BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-03
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 status incorrect

Complaint:
I have disputed a collection account ( XXXX XXXX ) on my credit file with XXXX and Equifax telling them that this collection account was dismissed in court. They have stated that the account is " closed ''. The problem is that the account should not have been reported to begin with. 

The reason it was dismissed is because the plaintiff knew they had no evidence that the account belongs to me. I am trying to secure a new car lease and am unable because of this problem. 

I have asked them to verify, then validate ( they said the account was validated ) when I pressed them for methods of validation. There was either no answer or the same " verified '' comment on correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX 's client XXXX XXXX is an identity theft victim ; her information was used to apply for an account with XXXX/Bloomingdales XX/XX/XXXX. While no account was established the application created a fraudulent inquiry with XXXX that is still being reported by the credit bureau. An official dispute of this was sent via certified mail to XXXX XX/XX/XXXX but as of today the inquiry is still listed which is a violation of the FCRA.

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 2019-05-09
Company: Santander Consumer USA Holdings 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED. 

After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX   XXXX says that they sent ONE letter in XXXX of XX/XX/2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a victim of a scammer ; I had a job offer on XXXX  as a remote personal assistant position and that job had a one-week trial that they were going to send me a check and I was going to do some shopping, donation and etc... 
I have received the check by mail from the company and since I was not very familiar with whether it was a valid check I took it to the bank ( Wells Fargo ) and deposited it in my account and asked the banker when it will be available and their answer was " By tomorrow morning ''. 
So, I was assured that the check was valid. So I did all the transactions that they were asked for me to have done on XX/XX/2021 in the amount of {$4900.00}. 
The next day I deposited another check, not from ATM but I walked inside the bank and deposited it in the account again I asked the same question and the teller responded the same answer. However, the next day morning I checked my account and notice the bank did put both of the checks on hold. I called and asked what is happening and they told me that they are suspicious that those checks are Fraud. So, I did some research online and noticed that it was a new method that scammers scam people. Therefore, I called the bank again and told them that the transactions that I made were fraudulent and checks are not valid ones. However, the banker opened a claim for me and she told me to wait for the status for 10 business days. I called them on XX/XX/2021 to check the status but they were so rude and they told me that " You made all those transactions, you got scammed why did wells Fargo had to pay for it? '' I explained that I never experienced such a thing before and did not know that those checks are invalid since the bank approves them and made them available in my account. But, she still was arguing that why I did not wait for 10 days to make sure. I explained and she hang up on me and when I called again they did not respond back. I called them the next day and there was a guy this time and he told me that the bank will not take responsibility since those transactions were Authorized by myself and they closed the claim. I called the local police department on XX/XX/2021 and report everything the officer 's name was XXXX XXXX, her contact information are phone : XXXX ext. XXXX Email : XXXX My report # XXXX. 
She told me to call back the bank and have them reopen my claim. I did call the bank and told them I have a police report and gave them all of the information. However, they told me to wait for the police to investigate. My account still has overdraft and I am an undergraduate student I get my income from the loan that I get from school and have been stressing out a lot for whatever happened. My bills are past due and I had a problem by paying my Auto payment bills.

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 2017-09-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a letter from XXXX XXXX regarding my application and the stated my application was denied becausedthey could not get my information from XXXX and Equifax. 

I contacted both agencies and they did not receive a inquiry from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I made a payment to speedy cash. I was aware that I owed them money.However they withdrew the entire amount that I owed them without my permission. I was making payments to the company. When I called them to complain they refused to reimburse the amount. I had to contact my banking institution and report it as fraud. I would like to sue speedy cash for violating its terms with the fcra. I was having a financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/2022 Consumer Financial Protection Bureau To Whom It XXXX Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being Bank XXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus XXXX or XXXX. Experian is solely report this inaccurate information. 
The next account was NY XXXX XXXX XXXX account number # XXXX... 
Experian is reporting a inaccurate collection this account has never been in Collections. Only Experian is reporting it this way no other of the XXXX major reporting bureaus. 
Experian is also reporting my XXXX open XXXX XXXX Bank accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has told me they are reporting such to all 3 major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # XXXX P.S I was trying to upload a copy of my dispute letter but I will post it in the fair resolution section

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 2017-07-14
Company: M&T BANK CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my XXXX XXXX, 2017 mortgage payment by mail using the enclosed mortgage coupon and my check. On XXXX XXXX, 2017 I closed on this property using a title company and contacted the mortgage company prior to the closing date to get a payoff amount. I did not have any problems with my account at that time. I have been waiting to get my escrow distribution check back from them and finally called to see what was going on. I was told by the mortgage company that the check had been mailed to my new address, and I had not changed my address so I asked to have the check resent to the correct address ( thinking it was the property address ), and when they verified my address of a South Carolina address, I was asked how did that change I did not change it nor move. I was told by the mortgage company that my address had been changed on the mortgage coupon slip. The mortgage coupon slip I mailed using the us mail service. So I inquired more, and I have now asked for the copy of the coupon used to see the change of address and they do n't have it. I did receive the check from them, In the wrong name with the wrong address, so now I am just waiting for the corrected check from them. This is not the first time I have had to correct information with this particular company. Since I was assigned the mortgage my address has been changed twice, my escrow funds have not been paid properly. They have paid companies that I was no longer with even after a phone call telling them not to pay. They over paid my taxes, under paid my insurance, shorted my escrow account and then would n't refund the surplus. I am glad I do n't have to deal with them anymore, but other people should n't have to go through what I went through.

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 2017-07-14
Company: JPMORGAN CHASE & CO.
State: AZ
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 Chase XXXX credit card on XX/XX/XXXX at XXXX website. At that moment, I saw the XXXX Ads that they 're offering 40,000 points after {$2000.00} purchase in 3 months ; {$50.00} statement credit after the 1st purchase ; 5000 points for adding authorized user. As a result, I clicked the ads and went through the application process. The card has been successfully approved and mailed to me. However, when I called Chase to verify my offer, I was told that my offer has been changed to be '2 Free nights ' instead of the original '40,000 points '. I sent secure msg via my chase online banking and escalated it to senior leaders. However, after 10 days back and forth, Chase insisted that my offer was 2 free nights but not 40k points. Here I attach my screenshot at the moment i applied the credit card. And even now, both XXXX and chase web still post the ads of 40k points. Chase is cheating customers by posting attractive ads but offering a different offer indeed!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Maximus Education, LLC dba Aidvantage
State: SC
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 am an XXXX XXXX service member and my student loans were held with XXXX, I was just notified that my student loans were sold to another company. I think this action was unjust, my loans should be transferred back and included in the recent court judgment that was assessed against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
To Whom It May Concern, It was in late XXXX of 2017 when I attempted to use one my 3 chase cards, of which I used frequently and relied on daily, that my card suddenly started getting declined. Having always relied on chase and rarely having had any such problems, as I was sure I was a good customer who paid his bills and and did as any other, this came as quite a shock but I did not think much of it. It was only when I soon called in to inquire about the declined charge that my relationship with chase was suddenly torn into pieces and thrown away. It seemed as if in a heartbeat I went from a good customer to a customer which they care nothing about and are willing to throw out and forget about. I was told over that phone call, vaguely, that for reasons they can not disclose and will not disclose my accounts had all been shutdown, all my personal credit cards, bank accounts, and safety deposit box has been immediately and permanently shutdown! This unfortunate series of events caught me in a stage of shock where I had no clue what to do. All of a sudden it seemed as if a big part of my life revolved around chase and it was now all gone for reasons I did not even know or to this day will never know. I was told that I will get a letter to inform me about this and thinking that it will hopefully clarify what happened I was wrong. All the letter mentioned that I was no longer a customer chase wanted to do business with and therefore they abruptly shutdown all my accounts. Not only that but they went so far as to shutdown my mothers accounts as well which I found completely rude, unprofessional, and uncalled for. I always believed I was a good customer with chase who paid promptly and was risk averse if anything and I would at least like to know what I did wrong so I can avoid doing so with other banks in the future although I truly do hope to rebuild my relationship with chase if my accounts do get reinstated. These events have caused my credit score to drop and less attractive to other banks as it now shows my accounts were closed by the issuer and also ruined my average age of credits along with other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX   (  or at least someone impersonating them  )  calls on a daily basis. Last call was  XX/XX/XXXX ,  XXXX . They have done this on and off for 3 years now - generally calling daily for several months in a row, before going quiet for a month or two, only to start up again. Sometimes it is a robo-call, sometimes it is a person. Thing is, we are a church, not a private individual. The individual they are calling for can not be found here, and they have been informed of this fact over and over and OVER. And yet they still keep calling. For years now. The last call they made is a robo-call with a message left on the church 's answering machine. The message has been saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I took action on XX/XX/22 to stop the transactions from XXXX XXXX and have them use a different account. I was charged XX/XX/22. The bank refused to reverse.

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 2022-02-09
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX our name ] Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVN FUNDING /RESURGE CAPTAL LP XXXX SENT ME A COLLECTION LETTER AND REPORTING IT TO XXXX XXXX XXXX FOR A DEBT THEY DONT EVEN OWN, BACK IN XXXX THE TRIED TO COLLECT FOR XXXX XXXX XXXX REF # XXXX XXXX XXXX i FOUND OUT ON XX/XX/2020 THAT TRUE ACCORD OWN THE ACCOUNT WHICH I SETTLED IT WITH THE, i DEMAND THAT LVNV/ RESURGENT CAPITAL SERVICES REMOVE THIS FROM MY CREDIT REPORT ASAP,,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hi, CFPB - I'm hoping you can help me with an issue impacting me and many others in the XXXX XXXX XXXX XXXX program. 

I finished my XXXX XXXX XXXX, and have been fortunate to be awarded several post-graduate opportunities, including working as an XXXX  Fellow at the XXXX XXXX  XXXX XXXX ( XXXX  ). Recently I completed XXXX  months working in XXXX  as a sub-contractor for the XXXX XXXX XXXX. 

While XXXX  and XXXX  clearly would qualify as non-profit/government employers for the XXXX program, because I was in a Fellowship program for one, and a sub-contractor for the other, these XXXX years don't count towards XXXX, and are significantly setting me back on my debt-repayment timeline and progress. Can you help? 

I'm sure this issue is impacting thousands of other gradates as well and I would like to have the XXXX  program modified to include fellowships and sub-contractor positions. I did reach out to my state congressman 's office, but didn't receive follow-up action from them. 

I'm eager to fix this issue to help myself and many others and really appreciate your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I called Trans Union in regards to the glitch that happened last summer in XX/XX/XXXXand again in the beggining of the year XX/XX/XXXX where inquiries were deleted and then re added back to my report illegally due to the fact no one notified me in writing within the 5 days. These inquiries add a hardship and my rights were violated! Please fix this as I feel victimized by trans unions tactics

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