BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: Student Debt USA, LLC
State: WA
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 started working with Student Debt USA XXXX years ago. They promised me they could get my monthly loan payments lower than I could working through the Federal Student Loan agency. I now know that is not true.I could have received the same payment by managing my own student loan. They also told me the best thing I could do was to consolidate my student loans, which I did. I now know this impacts my loan forgiveness plan. They were also taking {$35.00} out of my account every month, even over the last XXXX years when there was no loan processing necessary. I have tried to contact them several times over the last couple of months with no response. I finally sent them an email, XX/XX/2022, requesting that they call me within a week or I would stop payments. They did not call me, but they withdrew XXXX payments ( {$35.00} x XXXX = {$100.00} ) in XXXX, XXXX Apparently, trying to get as much money as they could before I stopped payments. Employees I worked with at Student Debt USA were XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is only my first complaintI will be telling anyone / agency that will listen. Student Debt USA misrepresented their services and stole thousands of dollars from me.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC c/o Shellpoint Mortgage Servicing has been receiving my payment via " billpay '' through my financial institution for years. I have the automatic payment set to pay every XXXX for the payment due on the following XXXX. On XX/XX/XXXX my payment of {$2200.00} shows as the normal ACH withdrawal to Shellpoint Mortgage on my bank statement. On XX/XX/XXXX my bank statement shows {$2200.00} deposited back into my account from Shellpoint Mortgage. Phone call is made to NewRez customer service... they claim no payment was made for the XXXX due.. I do some more investigating in the " history '' of the " billpay '' and it just shows that the " transaction failed '' ( lots of money in the account to cover the transaction- that is not the problem ). Go to the Credit Union to try and find out what is going on. They investigate and say the only thing they can figure out is that the account # for the mortgage must have changed. Call back to NewRez customer service ... .No the account # did not change -- -but the mailing address did. I explained that I can not change the mailing address in " billpay '' because the " payee has a relationship with billpay to provide that information ''. Customer service did say they had been getting a lot of calls over this issue. 

I mailed a check to the new address XX/XX/XXXX for {$2200.00} and it is credited to my account on XX/XX/XXXX. I received a XXXX showing that payment with {$360.00} going to interest, {$570.00} to Escrow I had set an additional " billpay '' to go out XX/XX/XXXX ( to check NewRez/ Shellpoint got the issue corrected ) as I don't have an issue with making extra payment, and left my normal payment set for the XXXX of each month. 
A check from billpay cleared ( not the normal ACH ) XX/XX/XXXX and XX/XX/XXXX both in the amount of {$2200.00}. XXXX dated XX/XX/XXXX shows those payments as {$710.00} in interest, and {$1100.00} going to XXXX XXXX???? I just had a payment clear on XX/XX/XXXX and they come up with {$710.00} in interest -- -no late payments, 4.375 % interest. I just ran calculations and taking out the full Escrow that they did ( which they should not have ) we are at a difference of {$520.00} in interest that they overcharged me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The bank has my promissory note since opening the account XX/XX/2018, the original loan amount {$39000.00}. I have never received interest from my XXXX account with the bank. Please refer to XXXX XXXX, XXXX XXXX XXXX Account, regarding security entitlement on the promissory note and credit my accounts the interest I am owed since Citizens bank is the holder of the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I disputed inquiries that were not made by me however I have not heard back from them experian,   XXXX   and  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 2022-12-13
Company: Experian Information Solutions Inc.
State: NJ
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:
on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-29 ( A ) ( 1 ) AQ person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX 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 2022-12-13
Company: Frontline Asset Strategies, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to XXXX asset strategies in XX/XX/2022 asking for verification of an alleged debt. 

They responded to me by mail in a letter dated XX/XX/2022 stating that they determined that the debt was valid and included a statement of account stating that this is all that the " original '' creditor is able to provide for them at this time There is nothing indicating that htis belongs to me, I asked them to provide something showing that I am/was in contract with XXXX or with the alleged debt with XXXX and they sent neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: OneMain Finance Corporation
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
OneMain Financial failed to update the payment due on the second Wednesday of each month as previously approved causing my checking account to be overdrawn. 

On XX/XX/2022, OneMain records show a payment made on the second Wednesday. 

On XX/XX/2022, OneMain presented the payment which previously was approved to collect on the second Wednesday of each month. 

On Monday, XX/XX/2022, I called the Office saying not to present the payment until Wednesday, but OneMain intentionally claimed to be paid on XX/XX/2022, causing overdrawing of the account. 

Such abusive treatment is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
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: Information belongs to someone else

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. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 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 2022-08-02
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX ; XXXX  Account # XXXX ; and XXXX  Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed XXXX bankruptcy in XX/XX/XXXX due to XXXX XXXX in my mortgage payments. I completed a XXXX XXXX  that was eventually denied by XXXX. To date my XXXX XXXX  are current ( {$500.00} ) bi-weekly. Now XXXX has filed a default indicating I am in default. I have less than a year and my bankruptcy plan will be XXXX in XX/XX/XXXX. XXXX now has filed a default in court that have not made all my payments as required. The last XXXX  months ( XXXX, XXXX & XXXX ) I received mortgage statements other than that I have received none since the filing of XXXX. The mortgage balance has been the same ( XXXX ). The statements show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet quickly I am in XXXX and XXXX XXXXXXXX. This company has XXXX me to attempt to XXXX  at a time when I should not have to. Their records are totally wrong and there needs to be an investigation. I have XXXX  my home for XXXX years. The XXXX XXXX of the mortgage XXXX was {$37000.00} yet XXXX is {$25000.00}. There are no records of payments received. I am filing this complaint as I am totally disgusted with this company and the handling of my mortgage account XXXX. Please help me to locate all the payments made to this account and keep my home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company continues to contact me after being sent XXXX & XXXX letter.

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The interest withheld from each payment is following an amortization schedule, no matter if I pay each consecutive day, it is never less than XXXX months accrued interest. It is not applying interest on a daily earnings method. When I called and asked them to review, I was told I didn't have that kind of mortgage? It is a 30 year fixed simple interest loan. I am XXXX XXXX XXXX  months ahead of scheduled payment, but it has had no effect on my interest applied to payments. Please Help. Thank you

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 2022-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have already disputed these accounts and collections XXXX XXXX  but they do not delete me I don't know why I need someone to help me I have already disputed XXXX XXXX and nothing that erases from my credit three XXXX XXXX and three closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Fay Servicing, LLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Mortgage Assistance application and XXXX were recently submitted to Fay Servicing XXXX. Foreclosure sale date for XXXX XXXX, XXXX received letter from attorney. Request foreclosure sale canceled till processing of mortgage assistance application is complete. Spoke with XXXX ID # XXXX Fay Servicing XXXX she said because me refused the previous modification there would not be any foreclosure protections for me. Fay Servicing documents I received was dated XX/XX/XXXX. I did not receive documents until XXXX. Documents required me to accept the offer by XXXX XXXX, XXXX XXXX Trial payment was due XX/XX/XXXX. Called Fay Servicing XXXX XXXX. XXXX customer service they stated they did not know why the documents were not mailed to me. There is a problem with Fay Servicing, servicing my loan and the modification documents. I am requesting property foreclosure sale be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2021 my bank account was charged XXXX by Transunion, for subscription I never signed up for. I canceled it immediately after reading g that they keep doing it and that they will not refund me for the subscription. I am also contacting my bank

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 2022-09-29
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A section A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information, any adverse item information, other records of convictions of crimes which antedates the reporting by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within 24 hours but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX credit card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX  which I did and they said to there knowledge XXXX took nothing off for there mistake.

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 2022-08-02
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX  Account number ( s ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation