BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a private student loan with XXXX Bank. Since I entered repayment, I had the loan payments set up on autopay from my XXXX bank account. Around XXXX of XXXX, XXXX transferred the servicing of my loan to American Education Services, and did not make any significant effort to notify me. During the transition to AES my auto pay did not transfer from XXXX. Luckily I discovered this on my own and contacted AES to make my XXXX payment. I also set up auto pay with AES. The AES rep explained that it might take 30 days to set up the autopay so just to be safe I scheduled the XXXX payment online myself to ensure it was paid. The autopay never went through, for reasons that AES was unable to explain. AES failed to notify me that my payment was not made. In XXXX I discovered that my payments were not being made and called AES. I paid the past due balance and once again re applied for autopay. The AES representative stated that they attempted to call me multiple times after my auto pay did not go through, and verified the phone number, which was correct. It was at this point that I realized that they did in fact call me, and I did answer the phone but the manner in which they conducted themselves on the phone was extremely suspicious and unprofessional. I would receive a call from an XXXX number that was not listed online, meaning when I would XXXX the number it would not be tied to AES. The phone rep asked for me by my maiden name, and stated he was calling from XXXX Bank. I found that suspicious since I have been married since XXXX. He then asked for my full social security number in order to verify my identity and proceed. I refused to provide it and asked what this call was regarding. He stated I can not give you any information without your social security number. I asked several times what is this call regarding and each time the rep refused to say anything more than he was calling from XXXX bank. I hung up and called XXXX bank customer service and the determined that there was nothing of concern on any of my accounts. They could no longer view my student loan since servicing was now with AES. I received several more of these calls from AES and each time the rep demanded my social security number and refused to tell me why they were calling. I explained this to AES and after several rounds of escalations they refused to reverse the delinquency that was reported on credit report and stated they could not reverse it since " XXXX Bank rules do not allow them to ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 WAS GOING OVER MY CREDIT REPORT AND NOTICE THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESES COMPANIES. PLEASE REMOVE THEM AS SOON AS POSSIBLE.

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 2021-11-22
Company: EQUIFAX, INC.
State: AZ
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My son has multiple XXXX problems and gives my number for XXXX contact but I have nothing to do with his bill payment. I have received calls from the collection agency and have repeatedly told them this is MY number not his but I continue to get calls. This XXXX went to my answering machine " Monday XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX seconds " Please call us at XXXX. Our office is open Monday through Thursday from XXXX XXXX to XXXX XXXX XXXX. Friday from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX XXXX. Thank you. '' This one did not leave any indication about it being debt collection but others have come in on my phone when I have had guests in my house who overhear these messages much to my embarrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We were transferred to Seterus from XXXX, Bank, we were told that {$3300.00} was past due, We paid that before the due date of XX/XX/XXXX. Seterus formed a escrow account that we did not have with XXXX nor with Seterus as we pay all out taxes and insurance ourselves. Seterus no5tified us that we still owed the XXXX after we paid it in XXXX installments XX/XX/XXXX. Due to bad / negative correspondence about Seterus we went ahead and sent another {$3300.00} by certified check to go against money not owed, but Seterus said we did, then starting in XX/XX/XXXX XXXX started collecting escrow as we had no choice but to pay as this was our new total monthly bill. we could not short pay nor were given any other option. escrow was calculated for 12 months to collect money owing. Seterus collected for over 18 months not the 12 and when questioned reimburse us {$2500.00}. but kept the {$3300.00}. this adds up to paying the {$3300.00}, 3 times. 
A complaint was filed and they justified it with us making the decision to pay the escrow amount that we did not have an option to. they did not point out in their letter in response to the complaint the we were never supposed to be escrowed for any amount. ever! we always paid our property taxes ourselves, the first payment cleared the debt, the second payment the put towards our principal? And the Escrow they kept I have no idea where that went? now I call and they are not available, they are closed at XXXX PST on a Wednesday? I can not call, letters create a cluster of confusion without resolution. 
please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a phone call from XXXX in XXXX saying that they have been trying to contact me regarding a collection account with Unifund CCR. The man on the phone said I have been ignoring their calls and not responding to their letter and that they will be forced to take legal action. I asked the man if he could verify what address they have on file, he responded by asking for my FULL social security number. I refused to give him the full number and asked if he could just tell me what the issue was, he said not until you give me your social. I then informed the man that this is the first time I received a call from this number and if he could send a certified letter to my address to ensure that I receive it. I also asked to receive verification of the debt owed and still have not received anything to date. Recently I have received a handful of letters from consumer relief attorneys saying I am being sued and offering their help. According to the letters the lawsuit against me was filed on XXXX/XXXX/17 but I have yet to be served a copy of anything. I really think this is an outdated or zombie debt because this account is not even on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: EQUIFAX, INC.
State: NV
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'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt beauty school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted XXXX loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB XXXX is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. XXXX miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX has completely removed this from my credit report. However, XXXX and Equifax has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am no longer in school and paying a student loan from XXXX XXXX which is now known as Navient. They are providing incorrect information on my credit report which is leaving me in limbo from purchasing my XXXX home. I agreed to their terms of payment and paid on time. I have asked for documentation regarding the loan and updating my report. They said they will not provide any information. This issue is only on XXXX credit report and I need help getting it resolved. I submitted a dispute with XXXX and am waiting to here from them. Is there anything legally to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: ALLY FINANCIAL INC.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ally is reporting a paid account as collection. See attached agreement re : their unlawful repossession and ultimate agreement that they will report paid and remove negative actions after date of repossession

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 2017-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I would like to file a complaint with trans union regarding inaccurate information from XXXX XXXX I sent 3 Disputes to XXXX XXXX XXXX on XX/XX/2016 XX/XX/2016 XX/XX/2016 They Never Responded and Continue to report the 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 2017-01-23
Company: STERLING JEWELERS, INC.
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Kay Jeweler 's in XXXX XXXX, NY. Employees are required to submit a certain number of store credit card applications a week/month. Management told employees who are n't meeting their quotas to " just re-run applications on people who were already rejected in the past. '' This raises two very questionable issues. 1 ) People are being threatened with losing their jobs over credit applications and being urged to re-run applications without the consumers ' permission, and 2 ) this clearly indicates they are not properly disposing of non-public information and retaining it somewhere for employees to re-use as they please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Transunion to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Transunion report.

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 2015-10-14
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call more than 5 times a day. They never leave a message. 

They have also called my stepdad and left a message with him, he is not the person I put on my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CONTRACT CALLERS INC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
When living in my home at XXXX XXXX XXXX in XXXX XXXX, Ohio, I was evicted by XXXX which later was sued. When leaving the home, I contacted XXXX XXXX to let them know I was leaving the home and would not be residing in the home any longer. I was advised by the customer service representative to leave the gas on and someone would follow up, so not to let the gas lines " Burst. '' I did so, then received this utility bill which continues to show on my credit report as a derogatory mark.

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 2021-08-30
Company: EQUIFAX, INC.
State: GA
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 company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and Equifax, who will not update the status either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Back in 2009, I was hurt at work and was given a settlement of {$4000.00} in the form of a check. I then took the check to Wachovia bank to cash. I ended up opening a checking and savings account putting about $ 500- {$800.00} in checking and {$2000.00} in savings. Within a month i spent all that was in my checking and in turn had to transfer funds to my checking from my savings. I lost track of the fees that were accumulating everytime i transferred and before long I was {$300.00} in the negative. All due to fees. Shortly after Wachovia gets bought over by Wells Fargo who I have an account with now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
An unauthorized line of credit was opened up without my consent. Someone has been using the line of credit, and also set up a monthly automatic payment from my Wells Fargo Checking account into the Wells Fargo line of credit. I have filed a fraud claim with Wells Fargo, but they have denied my claim. There were XXXX large deposits made into my checking account, and then transferred to the line of credit. The deposit slip was signed, but it is not my signature. Wells Fargo has copies of my signature, which doe snot match the XXXX signatures on the deposit slip. Wells Fargo insists that I made these XXXX deposits and are using this as a reason to deny my claim. I have asked for the Wells Fargo to review video tapes since they claim the deposits where made in a branch, and they have refused.

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 2017-03-20
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with collection agency about a debt from a hospital bill. I express to the collection company that I had insurance and should n't have had a bill. I ask them to notify the creditor that I was disputing the debt, as I had n't received any communication from the hospital. I ask the collection agency for the creditor information, but I never received it the information. 

I also wrote a letter to the collection agency twice, with no response. In retaliation about the debt and possibly letters, they placed the XXXX collections on my credit report. The collection company is Franklin Collection Services , Inc. They are based in XXXX, MS . 

Please look into the practices of this company, as I 've seen various people online speaking about their collection practices and the numerous violations of the FCRA. My credit has been damaged tremendously by this act. I pay my bills on time each month. I had a XXXX credit score before they placed these accounts on my credit report. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Praxis Financial Solutions, Incorporated
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Praxis Financial solutions is trying to collect on a debt that has reached the Statute of Limitations. In the letter that was mailed to me, the date of debt was purposefully obfuscated. I called absolute Solutions and I was told that the statue of limitations on the debt had expired. 

XXXX XXXX was rude and disrespectful when I called to resolve the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX auto loans being negatively reported on my credit report that has both been paid off in full. The creditors XXXX XXXX has sent me a paid in full letter that I have since forwarded to XXXX. Credit report has not been updated. Submitted several documents within the past few months and issues has not be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I owed XXXX XXXX Cellphones since 2003. I loss XXXX of the phones and went to an XXXX store to get a replacement. They took the phone and immediately deactivated it. I asked them to reactivate my phone and they refused. 
I was forced to buy another phone, as I now had NO cellular phone for use. XXXX represented that a smart phone would do the job and would cost the same as my older reactivated phone.. 
My normal bill for the use of the " older phone '' was {$20.00} per month per phone. 
A XXXX later, I got a XXXX bill for over {$300.00}. 
I immediately took the smart phone back to the XXXX XXXX told them about the bill I had received, and I could never afford that bill monthly. 
They would not take the phone back, but did deactivate it. 
Thereafter they claimed that I had attempted to revoke their contact with them and that I owed the $ XXXX judged that I had no enforceable contract with XXXX, based upon their misrepresentation of the cost of the Smartphone. Therefore, I have refused to pay their allegation of a " Contract ''. where none existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Pinnacle Credit Services, LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Pinnacle continues to try and collect a debt I do n't owe. I have disputed the debt with pinnacle credit and I am currently suing them for re- aging this old account on my credit report for the past two years. I have included a copy of the credit report of the account in dispute that was opened in 2010. Pinnacle was notified of this several times as well as the dispute but continues to break the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-01
Company: Immediate Credit Recovery
State: NE
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 Federal Student Aid printout shows XXXX as servicer of XXXX of my loans. When I attempted to contact this agency, the recorded message referred me to Immediate Credit Recovery. That agency refused to give me any information on income based repayment. It also refused to send me anything in writing about my loans. It does not appear on my credit reports.

Company response to consumer: Closed with explanation