BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
Aidvantage/Department of Education They were suppose to discharge the loan with the Sweet V. Cardona Settlement . I was refunded the amount I paid trying to get it off my report. They told me by XX/XX/XXXX it would be discharged and I would be emailed a letter that nothing was owed. Well it came closer to XX/XX/XXXX and I messaged them and they tried not to address my questions. I finally got a response that they weren't discharging it by XX/XX/XXXX and now it will take 7 months from the time I got the letter that I was approved for discharge which was XXXX of XXXX. So now I am waiting until the end of XX/XX/XXXX. This affected us in XXXX. We got letters in the mail and we called the number to get treated very cruelly by a woman on the phone. She was threatening to put me in prison. I never had a student loan. I would know if I had a student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo was named in a CFPB Class action settlement and is denying me settlement at this time. My mortgage was affected by the class action lawsuit, and I want to be compensated appropriately.

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 2020-12-14
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Congress Collection placed a {$3700.00} collection on my credit file from XXXX XXXX after a yr of requesting they verify the debt, They are also reporting the incorrect amount I owe which is substantially different than the amount they were awarded by the court. I have asked that they remove the inaccuracies from my report but the manager at this collection has refused to update information with an accurate amount. She has treated me very unkindly and been extremely rude hanging up the phone in my face. She told me to stop calling their offices about this debt because she wasn't removing anything. I offered to provide proof that the amount is inaccurate but she refuses to accept any documentation regarding this matter. I sent this lady proof over 4 years ago which she completely disregarded. She has not even verified this debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: DISCOVER BANK
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for this Discover Card XX/XX/XXXX. I moved {$2000.00} INTO IT FROM ANOTHER CARD SHORTLY THEREAFTER. TERMS : " PURCHASES AND BALANCE TRANSFERS : 0 % INTEREST FOR 18 MONTHS FROM DATE OF OPENING THE ACCOUNT, AS LONG AS BALANCE TRANSFER IS MADE BEFORE XXXX XXXX, 2023. 

Besides paying the 3 % fee for the transfer of funds, I have been charged interest on the total in my account since opening it. This clearly goes against terms of the card agreement. 

Also, aside from {$2000.00} worth of charges made within the first month of having the card, I have not charged much to this card, yet " minimum due '' continues to rise. 
I would like the payments I have made, over the {$60.00} for balance transfer, refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Credit Corp Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
credit corp solutions is attempting to collect an alleged debt for XXXX from 2015. 
my XXXX account has a zero balance and i am not aware of any outstanding balance. 

addtionally i have no knowledge of this debt nor have i recieved verification of debt owed form 2015. 
New Jersey has a statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: NC
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:
Not sure of dates, because I was not expecting to have to report Equifax. My son had me as a user on his XXXX card, in case he needed me to get anything for him. We found out it was reporting on my credit, so in early XX/XX/2021, we called The credit card company and had them remove me. They said that on XXXX XXXX, it would be off my report. It came off XXXX, but Equifax would not remove it. Over the past month we have called XXXX XXXX  and Equifax numerous times. XXXX has told us that it was reported that I was removed and they told me it was up to Equifax to remove it. They even gave us an email to show Equifax that it was removed, but they refused to look at or accept it. Equifax claims it is XXXX, but if XXXX removed it and they even gave us a letter to give Equifax, which they would not accept as proof, I say Equifax is the problem. Also, I dont like speaking to someone I cant understand and now I know that all these people overseas, have access to all my personal information. The letter Im attaching says XX/XX/2021, but we actually had XXXX remove it around the XXXX, the XXXX is when we requested a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX. experian. and XXXX did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my business. 
These are the following accounts that were not removed. 
XXXX XXXX  Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX XXXX  Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX  Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # 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 2023-08-30
Company: Experian Information Solutions 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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-11
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
If this is not resolved immediately I am suing American Express & The Credit Bureau for this unlawful act!!! 

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX American Express, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21 I placed an online order with XXXX XXXX  for medication costing {$160.00} and a doctor consultation for a {$25.00} fee. On XX/XX/21 and XX/XX/21 I emailed them requesting the consultation before they mailed the medication as I wanted to discuss my medical XXXX before they mailed the medication. They never responded. 
On XX/XX/21 I received a confirmation email that my order was on the way. 
On XX/XX/21 I emailed XXXX XXXX that I paid for, but never received the consultation, and to cancel the order. 
On XX/XX/21 I disputed the charge with Chase, who advised they would temporarily remove the charge and send me further instructions. 

I received a letter from Chase dated XX/XX/21 ( I do not recall the date I received it ) stating they temporarily removed the charge and to " save all documentation and receipts related to my dispute. '' On XX/XX/21 I received an email from XXXX XXXX  stating they were behind on the customer inquiries and that the order was shipped, which I received that day. 
On XX/XX/21 I emailed them that I had filed a dispute with my credit card company. 
On XX/XX/21 I " refused and returned to sender '' the unopened medication. 
On XX/XX/21 I received a call from XXXX from XXXX XXXX in XXXX, FL. I asked her to credit my account, and she agreed. 

On XX/XX/21 I received a letter from Chase dated XX/XX/21 requesting all my documentation by XX/XX/21. I immediately called Chase to advise my documents would never reach them by XX/XX/21. XXXX at Chase advised she would mark the file that I received their letter on XX/XX/21. 

On XX/XX/21 I mailed all my documents to Chase with a Certificate of Mailing. 

On XX/XX/21 I received a letter from Chase stating they decided in favor of XXXX XXXX. I called to inquire how they arrived at this decision and was told my documents reached them too late. They were not interested in my explanation that I received their request too late and spoke to XXXX who advised she would mark the file that I received their request too late to arrive by XX/XX/21.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
Company: Consumer Adjustment Company Incorporated
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX tried to collect payment for a service that my insurance had already covered ( balance billing ). After numerous discussions, showing proof that my insurance paid them after the network discount, they still turned my account over to a collection agency. 
When I explained what happened to that company, they sold my account to another agency. As soon as I informed the current company ( XXXX XXXX CO ) of the situation, they stopped communicating with me and left the debt on my account. This debt has been disputed with proof of insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: MI
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 in a copy of my police report to Experian detailing a fraudulent account from XXXX being reported on my credit profile. The fraudulent account continues to report in error. I am a victim of identity theft by a relative that opened numerous accounts in my name, as detailed in the police 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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had an ach withdrawal for my rent and my account was short the money. I was told by a representative that if the ach withdrawal happens on a day you can make the payment between XXXX and XXXXXXXX XXXX. And the check will clear. I was also told there were no ach withdrawals when the bank is not open no funds will leave my account but fir some reason the ach withdrawal left my account at XXXX in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the law of the united states.if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally. These misstatements are punishable as perjury under 18 U.S.U 1621. This found within my credit are not related to any transaction that I made I am alleging that a person or company-without my authorization -used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau ; I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: IL
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:
Consumer reporting agencies were made aware of identity theft and fraudulent accounts on my consumer report. They failed to follow procedures to investigate and validate those accounts.

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 2017-12-21
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company : Mr. Cooper Issue : Cancellation of Private Mortgage Insurance ( PMI ) Complaint : I have been unable to cancel PMI due to the mortgage provider, Mr. Cooper, not ever ordering an appraisal of my property that I requested on XXXX XXXX, XXXX. Multiple representatives of Mr. Cooper 's PMI department have said that the process would take 7-10 days from when they processed the PMI cancellation request. Mr. Cooper confirmed that they had processed the request on XXXX XXXX, XXXX. Since that date I have called four times ( XXXX, XXXX, XXXX XXXX, XXXX ) to request a status about the appraisal 's completion. Each time a representative expressed surprise when informing me that the appraisal had not been ordered. One representative on XXXX XXXX, XXXX blamed the delay on the vendor. Another representative on XXXX XXXX, told me there is only one person that handles ordering appraisals for PMI removal in the PMI department. I will now have to pay two additional months of PMI ( and maybe more ) since it 's still not resolved. There is irony in a company who charges consumers late fees if they are late on their mortgage payment ( I 've never been by the way ), but yet my only recourse is to submit a complaint to that same company when I 've done everything right. I requested to be copied on the email submitted to the employee who is in charge of requesting appraisals with the vendor and was told that copying me on an email was not allowed under company policy, but I guess treating customers with disrespect and patronizing them is company policy. My recommendation to the trainers and managers in the PMI department would to empower folks to be problem solvers instead of administrative bots that just explain the PMI process over and over again. I 'm calling for a resolution, not a lesson on how PMI works. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Phoenix Financial Services LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Phoenix Financial Services has contacted me to collect on medical debt that I do not recognize, that is also from XXXX, far past Oregons statute of limitations of six years on medical debt. I disputed the debt with them, and they provided information based on another credit collection agency, without adequate explanation of what theyre referring to, just a couple of billing codes, and the name XXXX XXXX XXXX . This is all very fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Chase was supposed to close my account on XX/XX/2021, due to insufficient funds. A friend of mine was loaning me money to make my credit card payment of {$480.00} due to how ive been struggling lately. She sends it through XXXX by accident & it covers my negative balance of over {$2000.00} with Chase. The account was supposed to be closed, I called chase a minute after she sends it & they say theres nothing they can do. Its infuriating how big banks take advantage of XXXX people when theyre a big part of the reason were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: EQUIFAX, INC.
State: NV
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 disputed a state tax lien on my credit report with Equifax. The first attempt was denied and stated that the tax lien was reported accurately and they needed additional information. I then filed another dispute with them, this time providing a copy of the letter from the courts, signed by the judge stating that the state tax lien was vacated and withdrawn because I did not live in that state during that tax year. Equifax once again denied my request to remove the tax lien from my credit stating that I needed, even MORE, information like two copies of identification, a copy of my social security card, the letter, and a bunch of other information. I was also informed by the state where the tax lien was originated that they have contacted each of the credit bureaus and informed them that the tax lien was in error and has been vacated and withdrawn. I have sent the letter out from the court ( which includes my social security number on it, so there is no confusion as to who it belongs to ) and the only bureau to give me the run around and refuse to delete the tax lien has been Equifax. This has become extremely frustrating considering I should have never had the tax lien on my report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
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:
- I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan recently transferred from XXXX to Mr. Cooper. Mr Cooper neglected to pay the insurance renewal, of which resulted in it being cancelled with no option to reinstate. The ins rep acknowledged that they rec a notice of cancellation yet did not remit payment so that the cancellation could be avoided. I have been communicating with both Mr Coopers customer service department and insurance department to no avail. I have even tryed to obtain the assistance of FBs online service representative. Its as though no one cares. 

The policy canceled on XXXX/XXXX/XXXX and I am still without insurance. 

Mr. Cooper, formerly known as Nationstar Mortgage

Company response to consumer: Closed with explanation