BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: TN
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:
I went to the car dealership the other day for the third time, they said they were going to do one hard inquiries but all of these popped up on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: SUNTRUST BANKS, INC.
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received an unsolicited, unauthorized and unwanted XXXX XXXX from Sun Trust. I phoned Sun Trust, spoke with XXXX XXXX who said she wanted to verify my complaint and would call me back. In the meantime, my grandson also received an unsolicited, unauthorized and unwanted XXXX XXXX. I phoned XXXX who said my complaints were " going up the ladder ''. After two months without hearing from XXXX, I phoned her to check the status. She said she would check again and get back to me. Not hearing from her, I called back. No answer, so I left a message requesting her to call me. Nothing! I tried many times to contact her with the same result. She would not answer my calls. I have the XXXX XXXX that were sent to me and grandson and both were ready to be used!

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 2016-01-02
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am adding some documents to my original complaint to prove that XXXX was lying to me. I did not go through the mail they sent me and after going through it I found a document that says " Provided we receive a signed copy of this Agreement from you ( the student borrower or cosigner ) by XXXX/XXXX/2015, XXXX agrees to place your Loan into in-school deferred status beginning XXXX/XXXX/2015, and ending XXXX/XXXX/2015. Monthly payment will not be required while the Loan is/are in deferred ( in-School Forbearance ) status. '' When I spoke to XXXX he ( very aggressively ) told me that my request for Forbearance was neither approved or denied yet this letter basically says I was approved for Forbearance and I just need to sign the document. Additionally the letter was mailed XXXX XXXX, 2015. I was just about to make a payment on this account to just show that I am not careless in paying my bills but now I 'm nervous that my payment would count against me in some way unless this is handled by CFPB. I tried to call AES today, Saturday, but they are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is absolutely ridiculous this bank closed my account this is not fair without notifying me when I found out on my statement I didnt even know customer service tells me I requested a closure but that is not true I called them to report my card as lost and the lady closed my account in error customer service said the account had to be reinstated this is not fair.

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 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I several different account on my Trans Union Report and XXXX Reports that have incorrect information. I have been working for years to get this information updated and removed and have not had any success after filing discrepancy reports with them over the years. Then today I was denied a home loan because of bad information being reported in these reports. This is not only embarrassing but very stressful because this information is effecting me being able to purchase a home for my children and myself. I have served my military faithful and retired successfully and to continue to have to battle these agency is nothing no one should have to endure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
FIRST ISSUE : My student loans were serviced by XXXX XXXX. I noticed duplicate charges for all of my loans and requested an audit. XXXX XXXX stated they were working on the audit and would get back to me. I was then informed that my loans were being sold, and I would have to contact the Department of Education. I tried to resolve the issue with the Department of Education to no avail. My loans ballooned from {$190000.00} to a WHOPPING {$310000.00} with Fedloan!!!!!! I have requested an audit of my student loans, but it is falling on death ears. 

SECOND ISSUE : I have been unemployed, so I applied for the Income Driven payment plan, and recently re-certified my application 3 months ( XX/XX/XXXX ) prior to the payment due date ( XXXX ). I am currently working a temporary job with an agency as of XXXX 2016, and sent all of my income information to FedLoan for processing. After calling for several weeks to find out what my payment would be, in XXXX I was sent a denial letter that I was not eligible for the Income Driven Plan. After several phone calls, it was determined the paperwork was not reviewed correctly, and my application would be expedited ( 3-5 ) to correct the problem. In the meantime, FedLoan Servicing sends me a bill for {$3500.00} due immediately. I contacted FedLoan again, and was told an Administrative Forbearance would be applied to my account to halt all billing/payment requests until my account could be sorted out. XXXX I received another bill, now requiring 2 payments!!! One for the now delinquent amount of {$3500.00}, and another payment due XXXX XXXX for {$140.00}. I called back to find out what was going on. FedLoan stated that my account was delinquent by 33 days for {$3500.00}, and would be delinquent for {$140.00} if the payment was not made on time. FedLoan made an error in processing my paperwork, created a delinquency on my account refusing to correct the issue, and demanded the only way to resolve the issue was to have the {$3500.00} covered by a forbearance adding additional interest and fees to my account. I need help!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I spoke with a young lady from Sequium Asset solutions concerning a XXXX report that appeared on my credit report recently. I informed her that I had disputed the charge and that the account was not mine. I confirmed my name and date of birth with her and asked how did they get this information being I had not given it to XXXX. she was rude and stated I had to have done this other wise she wouldn't have it. she continued to cut me off as I explained I'm trying to get to the bottom of what happened so that I can resolved it. she stated that her company does not delete at all. I stated to her can I speak with a supervisor and she stated no just her, even if I call back it will be just her. She insisted she take me down memory lane ( her exact words ). This was embarrassing and frustrating. She informed me that a fraud packet could take up to 45 days or settlement for 7-14 days. She continue to bully the situation stating they would not delete it off my credit. I am unclear of how to get through to this company or the information needed to dispute this comcast ( Sequium ). This call lasted 26 mins of resulting in tears and no incite other than take the settlement ma'am. I have no contract or documents concerning this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I received a summons to appear in court regarding a collection account. The original creditor is XXXX XXXX and the company that purchased the account is Midland Credit Management. XXXX  XXXX  charged off the account. MIdland Credit Management is sueing me for the full balance owed to XXXX XXXX. In the paperwork, there is a bill of sale that shows when Midland purchased the account from XXXX XXXX, however, the amount paid for the account is blacked out as well as the aggregated unpaid balance of the account as of the cutoff date. I called Midland Credit to request the information and was told by 2 different representatives that they could not tell me the amount that was paid by Midland Credit to XXXX XXXX XXXX  for my charged off account. 

My question/complaint is - does Midland Credit have to by law disclose to me the amount they paid for the account? Is it legal for them to blackout that information on the paperwork that they are using to sue me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Personal information incorrect

Complaint:
I'm having issues updating and correcting personal information on my credit 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 2020-08-05
Company: Neighborhood Assistance Corporation of America ("NACA")
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a previous complaint on XX/XX/XXXX to XXXX XXXX XXXX. I was told by them that I have a balance in my escrow account that I would either like to receive directly or use as a principal reduction on my loan amount. The attached letter shows I have a balance of {$10000.00}. The work is completed and the contractor will not be performing any more work at the property. The lender needs the full and final lien waiver from NACA as specified in the letter. 


Sent on XX/XX/XXXX A few years ago I had used a organization called NACA to obtain a affordable mortgage. I was able to have success using this process as I was able to close on our property in XX/XX/XXXX. The service provider that provided the mortgage through NACA was XXXX XXXX XXXX. The issue I have is that I used the HAND process through NACA to perform renovations on our property. During this process the NACA Hand Department was very difficult to deal with. This issue I have is that I did not use all of the funds that was allocated yet I am still paying a mortgage on the full amount of the renovation loan. The total amount of this loan that I suspect is still in escrow somewhere is around is between $ XXXX {$15000.00}. I am unsure of the exact amount. If possible I would like to have the balance of these funds returned back to me. I submitted a complaint to the company but did not reach a adequate resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to an unfortunate change in my financial circumstances, I was forced to pursue a short sale of my home. This process began in XX/XX/XXXX. After several months, I was able to obtain approval for the sale from my XXXX lender ( XXXX and XXXX ) in XX/XX/XXXX. I was also finally able to obtain an approval letter from my XXXX lender, Suntrust, on XX/XX/XXXX ( attached ). Right before my closing, my buyer backed out of the sale because of a serious illness in his family. The home was re-listed on XX/XX/XXXX and a new contract was reached with another buyer on XX/XX/XXXX. Almost immediately, I was able to substitute the new buyer and HUD-1 for the old XXXX with the XXXX lender, who was using XXXX to handle the approval. XXXX sent me a new approval letter on XX/XX/XXXX ( attached ) approving the sale, and REQUIRING A CLOSING NO LATER THAN XX/XX/XXXX. Unfortunately, my XXXX lender, Suntrust, determined that the change in buyers amounted to an " all new '' short sale application. I had to provide them with a completely new application form, financial records, tax returns, and more, despite the fact that they had approved the identical transaction on XX/XX/XXXX. Since that time, Suntrust has continually " lost '' documents that have been sent to them, or advised me on XXXX day that XXXX of the pages of the XXXX Uniform Borrower 's Assistance Form had become " hard to read '' or was n't dark enough, and that I needed to resend it, only to tell me the next day that a different line of the same page needed to be darkened. I have sent the XXXX UBA Form to Suntrust, without exaggeration, XXXX times in the past week, and I have talked to them every single day since XXXX XXXX. I have sent them the XXXX approval letter requiring a closing by XX/XX/XXXX on at least XXXX occasions. Each time that I have sent documents to them, I have been told that it will take " XXXX hours '' for them to scan the documents into their system, THEN determine if the documents are " sufficient '' and only THEN will they begin a " XXXX day review '' period. I have been dealing with XXXX XXXX ( XXXXXXXXXXXX, XXXX ) who is very nice but who appears helpless to assist me, despite his appeals to unnamed supervisors. I do not know if what Suntrust is doing is intentional or simply grossly incompetent, but I and XXXX agree that it is unacceptable treatment of a distressed homeowner, particularly when Suntrust itself previously approved this identical short sale on XX/XX/XXXX. If Suntrust 's continued delays push my closing past the XX/XX/XXXX deadline set by XXXX, I have been told by XXXX that it will have to resubmit everything to XXXX, which could delay or even destroy my short sale. This entire process has been incredibly stressful and financially damaging to me, and Suntrust 's actions/inactions have made the situation markedly worse rather than better.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-28
Company: Credit Karma, LLC
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing the Personal Information on my Credit Report I came across names that are not mine that are attached to my Credit Report. This worries me due to how many Credit Cards and other accounts were attempted to be opened in my name.

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 2020-08-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2022-01-25
Company: Experian Information Solutions Inc.
State: DE
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:
Hello my name is XXXX XXXX, I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 non-monetary relief
Consumer complaint received 2020-08-05
Company: U.S. BANCORP
State: SC
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:
I was a victim of COVID 19 during the months of XXXX, XXXX, XXXX which had my XXXX XXXX crippled with little to no work. Ive called and discussed the matter with them to have the Late payments and no info remarks removed and to be put back to on time never late status. They told me that I will have to dispute it in writing. Ive also paid the balance completely off. I really need this negative and no info remark removed. Thanks in advance

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 2020-08-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
letter received XX/XX/XXXX from WAKEFIELD & ASSOCIATES with account XXXX listed. they claim a debt is owed. In what could be construed by their actions to be an apparent violation of the Fair Credit reporting ( and collecting ) Act. by refusing to allow me to settle with the original creditor ( IF in fact i owed anything ). after reading the account number and confirming who i am ( as they requested ) my request was then met with more requests for sensitive information ( DOB ).

After TWO attempts to get this information. I am still not able to execise my rights as a debtor. please let me know WHO says they are owed money. Additionally, may I ask are there any ( unknown to me ) reasons why this debt collector is NOT SUBJECT TO YOUR JURISTICTION.? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$340.00} XXXX XXXX XXXX $ XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: Payoff process

Complaint:
I am following up on CGPB Case XXXX. I received a letter from Synchrony Bank in XX/XX/XXXX stating a resolution to the outstanding complaint and at the same time, received their updated billing statement which does not match the commitment made on the letter. Please see the attached.

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 2015-09-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We sent money through MoneyGram. I was told that this was a secure way of transferring money because it required them to have a photo id along with the reference number. It says this on the website and this was confirmed at the store. However, this was not the case they picked it up without me ever sending a reference number. I called and spoke with MoneyGram and told there was nothing they could do. I asked to speak with a supervisor who basically said I was out my money and all he could do was file a report. He was then very rude saying that he would just sit there on the line until I either hung up or said yes to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I sent in money for a money transfer and got the reference order # and went to XXXX different Walmart locations to receive but both tellers were acting very strange and said i could n't receive the money order. They did n't explain why and frustrated me in front of the other customers. They did n't apologize and both left me hanging. Now I ca n't track the order it says the order does n't even exist but I have all receipts and the order information itself still for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had medical insurance at present time 2014 by the State they made an error that I did'nt have medical coverage when I did. The State sent me a letter showing error and that medical bills will be covered I submitted the proof to the debt collector and they are still trying to hold me liable for the debt.

Company response to consumer: Closed with explanation