BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out private loans through the lending institution American Education Services/National Collegiate Trust back in 2006, while I was an XXXX student at XXXX XXXX XXXX University in XXXX XXXX, CA. The initial amount of the loans was approximately {$57000.00} ( current remaining balance is approximately {$46000.00} ). The loans remained in a deferred status during the remaining part of my education as an XXXX student at XXXX and throughout my XXXX education at XXXX University in XXXX, PA. Upon graduating from XXXX school, the loans qualified for the 6 month grace period. Although I was employed within 6 months of graduation, I requested several consecutive deferment and forbearance periods due to the fact that my total salary was not sufficient to make minimum payments while supporting a family of XXXX. I have XXXX children, and at the time, I was married, and my spouse was unemployed. Upon finally entering repayment, my original minimum payments were approximately $ XXXX/month. After my spouse returned to full-time employment, this was a payment that our family could afford without being placed into a financial hardship type of situation. However, after 6 months, AES notified me that they were going to be ballooning my minimum monthly payment to over $ XXXX/month ( approximately $ XXXX/month ). I was very clear with AES that, if they took this action on my loans, this would certainly pose a financial hardship for my family, as we could not afford that amount for a minimum payment. AES persisted in taking this action anyhow, and my private loans subsequently entered default status. I continued to make the $ XXXX monthly payment even after my loans entered a default status to show that I was making a good faith effort to repay my loans. This action did nothing, however, to prevent or reverse the status of my loans going into default. I had not been in a financial position to repay the loans for quite some time post-graduation from school, and when I finally got to a point where I could repay my loans, AES only accepted 6 months worth of payments before ballooning my minimum payments. AES was not in any way concerned about impacting my credit and sending the loans into a default status. This has had an incredible impact on me and my family, personally, as now I am divorced and was allocated ALL of my student debt in the final divorce settlement ( this amount totals over {$200000.00} as it includes BOTH my private and federal student loans ), and financially, as the consequences to my credit means that I have a difficult time qualifying for purchases I may need to make in the future, such as purchasing a home or a vehicle. These loans are currently being managed by a collections agency, and the loans have been turned over several times to several different collections agencies since entering default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.

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 2016-09-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Suntrust covered a debit card transaction when I had insufficient funds. They did this even though they knew I had insufficient funds at the time of the transaction and I opted out of overdraft protection. They are now charging {$35.00} for what was, in effect, a {$5.00} loan that I did not want, and thought I had opted out of.

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 2016-02-10
Company: D&A Services, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a phone number that keeps calling me repeatedly and asking me to call back. It always starts with a man whistling a short tune and then, in a threatening tone, the man always follows the whistle with a message that says " this is a debt collector, call back immediately. '' In one message, the man asked for my social security number to be ready and available when I call back. He never addresses me by name, and never leaves any additional details. I know for a fact that I do not have any debts that have went unpaid. I am in college and still live at home with my parents and I have no bills. I did live in an apartment for a short while, but I was never behind in my payments and immediately received my deposit back when I moved back home. I also cancelled my internet services and confirmed the cancellation with the workers in the local office several times to be sure. All of my school loans have been deferred until I complete school and I receive statements for those every month -- they are from the government and state that I currently owe nothing. I have another full year of school to go. There is nothing else out that that I have ever had a bill for. This company calls me EVERY DAY and leaves vague, creepy messages. I would like for it to stop. Based on research that I have done online, they appear to do this to several individuals, many of whom suspect that it is a scam. I have looked up the supposed agency that it is linked to according to the internet, but I can not find information on the agency anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have filed several disputes for XXXX XXXX XXXX. I have filled out an Identify Theft Affidavit package and filed a police report as well. XXXX XXXX XXXX continues to " verify '' the debt since it matches my name and SSN. I have had the address associated with this account removed from my credit report since it is fraud. XXXX verifies the account because it was associated with my information. I need the information deleted from my credit report. 
Also, XXXX has not responded to any of my correspondences and I have disputed this account with the credit reporting agencies as well. XXXX has been in violation of the following sections of the Fair Credit Reporting Act. 

supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 
notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute, or correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute notify every CRA involved that you dispute the debt provide you with a reasonable procedure ( including an address ) to submit a written dispute or report of identity theft, or inform you of the results of its investigation within 5 business days after it completes the investigation. 
Please assist me in getting this removed. I have attached my letters to XXXX and the Credit Reporting Agencies, My fraud packet, and police report. I have also attached the address which was deleted from my credit report due to fraud where XXXX is verifying the address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08
Company: Lending Solutions Mortgage/ LSI Mortgage
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX we applied for a cash-out refinance for our primary dwelling. After running our credit and taking our payment for the appraisal, the lender did not provide a Good Faith Estimate until a month after the fact. The initial intent was to do an FHA Cash-out Refinance and were told that the company could do not FHA, they then retracted that statement citing they had an investor who could. They finally provided a change in circumstance Good Faith Estimate for the new loan product after the RESPA timeline permits. We are still in the process of refinancing with us constantly having to reach out to the lender to inquire on the status. Each time they answer, it is a general reply of " we are waiting on underwriting ''. We are now on month XXXX of the refinance, we have paid for XXXX appraisals and have had our credit pulled multiple times, adversly affecting us if we were to try to go with another lender for refinancing. We still have no clue on the status of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Stellar Recovery, Inc.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Trying to get a loan and found a misc. mark on my credit report. I was never notified by mail about this matter, when I called the company the address they had on file for the account I never lived at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Comerica
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am an XXXX in XXXX that works on behalf of XXXX low-income and XXXX clients. One of our client 's contacted us concerning an identity theft issue pertaining to his Direct Express account. The client is XXXX and has difficulty traveling throughout the city. He filed a fraud claim with Direct Express because someone used his Direct Express card without his knowledge or permission and withdrew money from multiple ATMs in neighborhoods where our client never travels. Direct Express responded to our client with a letter stating that they had completed his investigation and found conflicting information and that they could not confirm that fraud occurred. There was no further explanation provided in the letter regarding the alleged conflicting information Direct Express used in making their decision. However, the letter stated that the client could call Direct Express to request a copy of the documents used in making their determination. Our client called Direct Express at XXXX on at least four occasions to request the documents. He has yet to receive the documents. Frustrated that he could not resolve this issue on his own, our client asked that I call Direct Express on his behalf to see if I could get a copy of the documents as his attorney. I called Direct Express and offered to provide them with a signed and notarized authorization form from my client giving me permission to communicate with Direct Express on my client 's behalf. The customer service representative at Direct Express said that I could not speak to Direct Express on behalf of my client and I need not submit an authorization form because I am not the client 's representative payee on his Social Security account. I asked the representative if there was a form that Direct Express could send to me that would allow me to communicate on behalf of my XXXX client and I was told there was no such form and that they could not provide me with the information pertaining to his fraud claim. I was unable to assist the client in getting information from Direct Express. As an attorney that works on behalf of XXXX clients, I imagine that many of my clients will face an issue pertaining to their Direct Express card, and unfortunately, I will not be able to communicate with Direct Express in order to assist these clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Fraudulent collections account. Called this company on numerous occasions, they referred me to XXXX XXXX. Called XXXX XXXX, they referred me back to Stellar Recovery. This happened also back in XXXX 2015 and was removed by the collections company. There is no validation for this collections account and account is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Every Year Equifax says credit reports are not available at this time online. They want you to mail in a bunch of personal information to obtain your report. This is unacceptable! I do believe they are required to provide me with my credit report with out jumping through all these hoops, the other companies do not require these ridiculous requirements. I want my free annual credit report from Equifax emailed to me at XXXXXXXXXXXX or mailed to me at XXXX XXXX XXXX XXXX XXXX WA XXXX Thank you sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dispute that the debt was mine and they wont give me any information of charges or payments. They said illegal to disclose. Disputed with credit agencies. I gave up on disputing and willing to pay debt that isnt mine and collection company will not send a statement of settlement. They want me to pay to restart debt clock and refused to settle in writing. I told them your site specifically tell to have written agreement their answer was then file a complaint with you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
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 went to see a doctor @ XXXX XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX, on XXXX. 
I provided them with my Active medical insurance which was XXXX with Medicaid, along with a referral. 
I never received a call from them regarding this bill but a year later I got a letter sent to my old address about a bill. I tried to call the billing office several times with no response. I 've left voicemails to which no one ever responded. I called my insurance to confirm that I was active during the visit, which they confirmed I was. Ins Rep : XXXX told me that the office billed the insurance but that it was not payable because the office did not get the proper prior authorization for it. The Ins rep called the office and left a voicemail notifying them that they are not supposed to bill Medicaid patients and asking them to return her call. I continued to try to contact the office every few weeks but the billing office never answered the phone or my messages or called me about this issue. I just checked XXXX and thats how I found out I had a collections report from XXXX on my account. This office has continued to attempt to collect a debt that I do not owe and that they have no right to attempt to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In 2013 I received a tax form XXXX from XXXX Bank XXXX XXXX which is a cancellation of debt for this credit card for XXXX. I was required to pay taxes on this amount in 2013 which I did. Currently my credit report still states that my balance is XXXX. This is not correct. This balance was charged off and the debt was cancelled. If the balance was cancelled and I already paid taxes on this amount, how can I still have an outstanding balance on my credit report. The " Balance Amount '' on my credit report should be XXXX. I have been wrongfully denied credit for a Home Loan, which has been devastating for my family. XXXX bank should be investigated for this illegal practice of trying to collect debt, after it has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello. I like US Bank, so I decided to open checking and savings accounts there. To fund the new accounts I submitted XXXX cashier 's checks from people that I knew only as clients. The amounts were {$2400.00} and {$1900.00}, so I did n't ask for any money back, and I stressed that these were from people I did not know well. Still, they were official cashier 's checks, so I felt all would be well. However, the bank 's fraud dept determined later that they were forgeries. And HERE is my complaint : they closed my new accounts, marked me as a risk, said I could never have another US Bank account, and even charged me {$19.00} for each returned deposit! Who knows what they put into XXXX and XXXX. I 'm afraid to try to open an account anywhere else. It is my hope that US Bank will reconsider their position and give me another chance. The cashier 's checks looked absolutely genuine. How was I to know they were forged?

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 2016-08-22
Company: Stellar Recovery, Inc.
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:
I previously worked for the Federal Government is a position where the background check included an extensive verification of where I previously lived, worked, any alias ', financial information and finger prints were required. After XXXX XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with Stellar Recovery for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There are several inquires on my credit report that I did not authorize. I have written to each company listed informing them that they pulled my credit without my permission. I also disputed these inquires with Equifax. Equifax has said they would not remove them as I authorized them. I have asked for each company that inquired for my credit to provide me with proof that I authorized these inquires. I also have asked Equifax to provide me with the proof that they have received from each inquiry showing that I authorized these inquires. Both the company and Equifax have failed to provide me proof that I authorized these inquires. Equifax has also failed to remove these inquires from my report as they were not authorized by and are now FRAUD inquires. 
1. XXXX XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX2. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX3. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX4. XXXX XXXX - Date of inquiry XX/XX/XXXX, XX/XX/XXXX, & XXXX/XXXX/XXXX5. XXXX XXXX - Date of inquiry XXXX & XXXX/XXXX/XX/XX/XXXX6. XXXX XXXX - Date of inquiry XX/XX/XXXX, XXXX/XXXX/XXXX7. XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX8. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX9. XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX10. XXXX XXXX XXXX of inquiry - XXXX/XXXX/XXXX11. XXXX XXXX XXXX XXXX - Date of inquiry XXXX/XXXX/XXXX12. XXXX XXXX XXXX - Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Attached to this complaint is a letter from the Consumer Financial Protection Bureau ( CFPB ) in regards to the Consumer Financial Protection Bureau requesting for Equifax to delete the following accounts from my credit report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and MN Child Support Enforcement.

Company response to consumer: Closed with explanation