BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted an application for a loan discharge and was denied. I Received documents stating that I withdrew from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, NY XXXX on XX/XX/1989. As I stated I never lived in NY or attended a school by the name of XXXX  XXXX XXXX in NY. The school I did attend was a free program and closed while I was attending. I requested for any and all documents pertaining to this loan under the FOIA and received 110 pages including a borrower 's rights letter and 1 page from a promissory note. Copies of this voided promissory note were sent to CFPB account numbers XXXX-XXXX, XXXX- XXXX and XXXX-XXXX. Also, Ms. XXXX XXXX from the State of IL. Attorney General Office file number XXXX and the credit bureaus. By law, a promissory note is voided if it has been altered or incorrectly written. This Promissory note does not contains all the legal detail which must include interest rate, the full amount of the loan, and payment frequency. In this Promissory note, theres only section E and F and state about a page 4, the other pages that state paragraph 1 through 17 have been added also, the pages are not number. I disputed with the credit bureau and it has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, 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 2022-03-04
Company: Social Finance, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Refinanced a student loan with XXXX for around {$55000.00} and followed the terms and conditions of a promotional offer exactly to receive a {$200.00} promotion ( Tiered Welcome Bonus Promotion ). XXXX is claiming that I am not due the bonus due to terms that do not exist. Before I applied for the loan, I received verbal confirmation as well from a phone representative that I would indeed qualify for this bonus and I applied for the loan using the targeted link directly from the bonus. 

I've contacted the company, and their response is in direct contradiction to their advertised language for refinancing student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: CMD Investment Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX This is a workers comp claim which both me and my workers comp specialists have reach out to the hospital to submit there claim form but they keep sending me collections letter

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 2017-12-14
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX Debt of {XXXX} showed up on my credit reports in XXXX XXXX but debt was supposedly opened in 2014. I recently contacted XXXX XXXX and the collection agency XXXX XXXX XXXX concerning this matter. After 30 days later XXXX XXXX XXXX dismissed the debt and XXXX XXXX sent a letter in XXXX which I do n't speak not sure why the letter was sent in another language. I had the letter translated into english it said the debt was dismissed XXXX XXXX but it still shows bad debt on my XXXX and XXXX credit reports.

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 2023-02-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
When my Husband passed away we had a joint account and I had a separate account, I took my documents there and they instructed me what to do, I went ahead and did so. Now Im received a letter and a XXXX dollars check say the account is not active and now its dormant which I didnt know anything about that account. This account is ending in XXXX. I had no idea about that account they told me what to do so I never use that account. They should have told me earlier they waited for XXXX yrs.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have submitted a dispute three times that this account was not included in a bankruptcy   that was filed XX/XX/XXXX. I opened the loan with XXXX XXXX XXXX with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy.  My bankruptcy  was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with XXXX XXXX XXXX in XXXX XXXX XXXX. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor XXXX will correct this

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 2022-10-31
Company: MOHELA
State: OH
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:
My name is XXXX XXXX and I applied for the PSLF Waiver this summer. 

In late XXXX I consolidated my XXXX loans to XXXX XXXX loans to be eligible for the waiver. 

I am inquiring with the CFPB because Mohela is attempting to wrongfully deny my application. 

I have worked for a qualifying employer, XXXX XXXX XXXX XXXX, for over 20 years ( XX/XX/XXXX to XX/XX/XXXX ) while making payments to the XXXX loans. 

I tried calling Mohela with my financial advisor however the line was busy and no customer service representative answered the call. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX I cosigned with my daughter House and when we closed a mistake was made. According to the recorder of deeds in XXXX XXXX there was two parcels one parcel was the garage only and the other parcel was the house. At our closing we were given the garage deed only and we signed that one. Due to medical issues with my daughter she was no longer able to pay the mortgage. I tried to sell the house three times The very last time I was told about a problem with the title. I started contacting the bank that held our mortgage XXXX and Loancare to tell them there was a problem I even spoke to a manager about it. And I advised them if they were going to foreclose on The property only the garage was in our name. They started for closure in XXXX they sent a preservation company up that started working on issues in the house and at that time no one shouldve been in the house. I have been in constant contact with them they have charged {$8000.00} in fees and the house did go under contract in XXXX of this year even then no one should have been on the property. The property was still deeded to the original owners not us and not Loancare they were very well aware of it I made multiple phone calls. The house was sold and closed on XX/XX/XXXX and on that day we got the deed fixed just one week before that closing. I have multiple emails asking that they adjust the fees due to the fact they didnt have a valid title to the property to the house. I had to put out {$2700.00} of my own money to close the house and they said that they would look into reimbursing me that much I didnt even get that. I have made formal complaint through Loancare through their legal department as well. Like I said I have multiple emails and pictures of work that was charged and not done right the preservation company charge over {$3000.00} alone. I feel that the feed the foreclosure fees should never have been to anyone because I have a problem with why they would for close on a house that did not belong to them or to us. I have plenty of documentation if you need that but I want to go ahead and file this complaint against Loancare LLC 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 2022-10-18
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This notice is to inform the CFPB and your office that you are reporting invalidated information on my credit file. In respects to the Fair Debt Collection Practices Act, The violations are as follows ; Purchasing and parking a junk account which is currently on fraud alert. 
Illegally re-aging the account by almost five years, in order to keep it on my credit file for a longer period of time. 
Willfully ignoring a cease and desist order. 
Your actions constitute fraud under both federal and state laws.Your lies and fraudulent ways of conducting business have caused significant harm to my mode of living. 
If this invalid item continues to be reported on any of my credit files by your company, I will not hesitate in bringing legal action and seeking maximum remedy against your company for attempting to plunder and defame my character. 
I am sure your legal staff will agree that non-compliance will put your company in serious legal trouble with the Federal Trade Commission and other state or federal agencies. 
If your offices are able to provide the following documents Agreement with the party that authorizes you to collect on this alleged debt. 
The legal order from a judicial court. 
An agreement with your company bearing my signature stating my legal obligation to pay this alleged debt. 
Valid copies of the debt agreement stating the amount of the debt and interest and changes. With the matching date. 
Proof that the statues of limitations has not expired. 
Complete payment history along with an accounting of the debt and all additional charges being accessed. 
Proof that you are licensed to do business in the state of Texas. 
Your license number and registered agent. 
Identification number of the state ID used to obtain the alleged line credit. 
The law requires 30 day to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will promptly consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. 
By notifying you of my Notice of understanding and claim of right, I have thereby notified all applicable agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Continental Finance Company, LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I lost my wallet in XX/XX/2022, someone used it, I reported it. All of the companies investigated and put the money back on my card, except for XXXX Per XXXX, I used my card. I was assigned a fraud person named XXXX. I have left him messages and emails to contact me. 
No reply at all. Its obvious they did not investigate adequately. 
XXXX number XXXX XXXX  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 2019-11-09
Company: BARCLAYS BANK DELAWARE
State: MA
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:
The date of last payment is missing and the date of last active is not consistent. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XX/XX/XXXX, a letter was sent from XXXX that the investigation was underway and I would receive a response. 
On XX/XX/XXXX, a letter was sent with an enclosed check for {$120.00}, dated the XXXX. The letter stated a separate response will be mailed detailing this regarding the credit card that has been closed. 
I contacted the listed person, XXXX XXXX for clarification and left a voicemail XX/XX/17. 
This can not be the amount to suffice a credit card opened for {$1500.00}. I was to receive my refund once the full {$140.00} was paid. Instead, it was closed and the money has still not been returned. 
In addition, this information is still reporting inaccurately on my XXXX and TransUnion reports.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Experian and complained about a fraudulent account appearing on my credit report ( XXXX XXXXXXXX XXXX  Credit card ). I was transferred to the fraud department and they requested I submit and FTC report. Which I did to the 3 bureaus, XXXX and XXXX were able to validate my claim and remove fraudelent account. Experian is the only one that has yet to remove the fraudelent account. This is really affecting my personal finances as I try to keep everything in order and pay all my obligations on time. It is also affecting my creditworthiness, and I'm being rejected for housing or apartments. I already explain to them that my information has been made available to the dark web, due to several breaches. My information was breached in the XXXX XXXX, XXXX and XXXX XXXX XXXX. 
This has been a real exhausting process, and a stress on my poor health. I do not know what else to provide them, to proof that I did not open said account. My next step is to go out of my pockets and get an attorney involved to help me resolved this issue. The account is XXXX XXXX business card which I never applied for.

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 2019-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 I received a letter from my financial institution stating that both of my business checking accounts are being closed. I am a legitimate business owner and have never done anything wrong or received any warning of any wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent several letters out to XXXX, XXXX, and Transunion beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful.

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-10-31
Company: EQUIFAX, INC.
State: MD
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:
I sent a letter to XXXX, Equifax and XXXX to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. 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 According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had a Bluebird by American Express for a number of years. It isnt where my paycheck is deposited, but a large sum of money was deposited from a settlement in XX/XX/2023, because it was on record from my employer. There initially was no issues, and I made one transaction in XXXX, and one in XXXX that was within the card limits on their website. 

On XX/XX/2023 I received an email that stated my card was permanently closed, and my account access was locked along with any access to records. They wouldnt tell me why and now refuse to answer any phone calls or messages. They would not tell me if or how I can receive my remaining balance of over {$35000.00} ( I dont know the exact dollar amount since they removed any access to records. Its very scary not knowing how or if I will be able to get that money I depend on.

Company response to consumer: Closed with non-monetary relief