BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a letter asking the company to validate the account on XX/XX/XXXX and they sent me a bill from the original creditor with a XXXX balance. They are still requesting me to pay XXXX and they are still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: AES/PHEAA
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was recently contacted by my mother-in-law stating that a sheriff had delivered paperwork from an attorneys office stating that she was being sued, and they were representing XXXX XXXX XXXX XXXX XXXX. In the paperwork it showed that she was the co-signer for myself on a private student loan that originated in XXXX. I then called the company the first number was disconnected, but there was a XXXX number. I was informed that after several attempts to resolve the debt with no response they had to take this action. I nor my mother-in-law had never received documentation only phone calls every once in a while re. the debt. I explained to them that this debt was being paid now with XXXX, and there have been no missed payments. I called XXXX to confirm. They stated that XXXX was not the originator, and that they had documentation that we signed for this loan. I have requested documentation, and we have to go to court XX/XX/XXXX at XXXX in XXXX County. 
I have pulled all three credit bureau reports, and this company does not appear on any of the reports as being a debt. I also called XXXX XXXX XXXX where I consolidated my student loans, and there is nothing showing there. 
I have seen the reports online regarding this company, and I 'm just not sure what to do other than go to court and try and fight this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wrote a check from our XXXX XXXX account on XX/XX/2019 for {$8400.00} to pay my Bank of America Mastercard. Check was made out to Bank of America. I have the carbon on the original check # XXXX. The check was altered by what appears to be an employee at Bank of America. That individual cashed the altered check within Bank of America. Bank of America cleared that check for that large amount despite the check having our MasterCard account number written in the memo section on the check. Bank of America will not return our numerous phone calls or emails to even say they are working on it. XXXX XXXX  has been contacted and they are trying to get our money back but there is no communication from Bank of America.

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 2021-09-14
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a follow up of closed complaint # XXXX Company CCI/Contract Callers Inc. is in clear violation of the FDCPA/FCRA/TILA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth mailed certified on XX/XX/2021, received, and signed for on XX/XX/2021 was ignored. 

The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert . Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.

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 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
After being affected financially/physically by XXXX, XXXX XXXX XXXX placed my account in a XXXXXXXX XXXX XXXX in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, XXXX XXXX reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to XXXX and TransUnion that I made no payments during XX/XX/XXXX through Present and to XXXX that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once XXXXXXXX XXXX ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of XXXX, not late and was in XXXXXXXX XXXX XXXX and the information reported is false.

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 2018-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1700.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I HAVE NOT GIVEN THIS COMPANY MY PERMISSION TO BRANDISH ANY PERSONAL INFORMATION

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 2019-09-23
Company: AES/PHEAA
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
on XX/XX/2020, I was aware of the fraud I was involved in by sending money through my XXXX XXXX account ( Zelle ) to another Zelle account. The payment made was for a lease on a house. The total amount was XXXX. The house was a fraud and the people never gave me my money back. I have their account number and that is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.

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 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-11-24
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a XXXX beneficiary whos policy covers 100 % of all EMERGENCY room services ( the accounts being disputed are emergency room services ) with {$0.00} Co-payment and no member obligation. I 'm not liable for these collection accounts. This medical debt was n't correctly billed to XXXX at the time of service which is no fault of mine. I have on countless occasions provide all the information required to bill XXXX properly, to both the Hospital and Collection agency. They keep reporting the same negative information on my credit report after taking the billing payment information. Being that I am a  XXXX beneficiary with {$0.00} copayment I 'm not eligible for collection accounts from an out-of-state Hospital or emergency room because the hospital must settle the debt directly with XXXX and the accounts to show payment in full according to the following federal regulations : When you provide services to a XXXX member from another state, you must accept that states XXXX allowance ( less any member responsibility such as copayments ) as payment in full. Please note that billing out-of-state XXXX members for any amounts in excess of the XXXX-allowed amount for XXXX-covered services is specifically prohibited by federal regulations ( 42 CFR 447.15 ). -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 2020-05-03
Company: EQUIFAX, INC.
State: AL
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:
Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My mom opened a student loan for me under sallie Mae creditor? In 2006 when I had no idea, looking at my credit report this is the only thing that is red or >120 days late and 14 years later I had no idea it even existed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have received multiple offers of a limit increase if I spend so much in purchases in a short time frame. These offers have been occurring for a year now. I use the card however have fallen short of the required amount. Not really knowing the exact timeline of the offer expiration I seem to miss the permanent increase. My limit drops THEN I get another offer the following month saying IF I use this amount I get to keep the increase. I feel like it's a yo-yo game and the brief moment in between offers my balance dti is50 % or more affecting my credit. Is this bait and switch ethical?

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 2021-03-07
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced from XX/XX/XXXX to XXXX in XX/XX/XXXX. I was told my next payment would be due in XX/XX/XXXX. 

In XXXX I received a letter from XXXX indicating my mortgage had been transferred to Mr. Cooper and that I would hear from them. The XXXX website indicated to pay the XXXX payment, which I did. 

In XXXX I spoke to XX/XX/XXXXand they advised I make the XXXX payment to Mr. Cooper after they contacted me, and that no late fees or penalties could be charged for up to 60 days after the last payment made. 

On XX/XX/XXXX I received my first communication from Mr. Cooper stating the payment was due XX/XX/XXXX, and that no penalty would be due if received by XX/XX/XXXX. Since both those dates had already passed, I used the secure messaging system in my online Mr. Cooper account to inquire/confirm I would not be charged fees/penalties for this payment. I received an immediate automated response that someone would be in touch with me. 

I made my XXXX payment as normal, on time. 

As of today, XX/XX/XXXX, I have received no further response in any form. They have not answered my question about avoiding late fees or penalties. They have completely ghosted me. 

I am going to make the XXXX payment but am frustrated that I am at risk for penalties and fees through no fault of my own, and have been unsuccessful in receiving any assistance whatsoever from the company. It is not just that I am forced to do business with a company that provides zero service. I should have the right to refuse to do business with them and to have my loan transferred elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for a personal loan on the internet. I received a email and call from the company approved the loan. While on the phone with the company they already had my SSN, DOB and bank information. The company tells me not to check my bank account till they finish depositing the money into mu account. Then tell me to purchase something with my debit card. Next this i know all my money from my savings was taken using XXXX. I notified my bank of everything and they froze my account but they are claiming no fraudulent activity was done and i have to pay back my money that was stolen. They are saying that wrote bad checks and i need to pay them back so now my unemployment checks are being taken each week im not able to pay for anything including daycare for my daughter. My bank with USAA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is being made against FedLoan Servicing/U.S. Department of Education/Pennsylvania Higher Education Assistance Agency ( hereinafter collectively referred to as " FedLoan '' ). 

I submitted a check to FedLoan in the amount of {$9300.00}, which was cashed on XX/XX/19. Said  check was sent in an envelope with an accompanying note that explicitly stated how the payment was to be allocated between my nine outstanding loans. Specifically, the payment in question was to pay off the balance of three of my nine outstanding loans. These three loans were chosen because they have a substantially higher interest rates than the other six loans. Additionally, I wrote instructions on the physical check stating that payment was to be allocated between " Loans 1, 3 & 5 '' ( please see attached PDF file ).

FedLoan disregarded both the instructions on the physical check as well as the instructions on the physical check and proceeded to allocate my {$9300.00} payment in a random fashion to all nine of my outstanding loans. If this mistake is not remedied, FedLoan has effectively stolen hundreds of dollars from me by negligently applying this payment to my other six loans with far lower interest  rates. 

I contacted FedLoan by email on XX/XX/19 requesting that this issue be remedied but, to date, FedLoan has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XX/XX/XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: DC
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:
Inaccurate information on credit 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 2020-05-03
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have an American Express bluebird card that I just recently switched my VA compensation direct deposits over to. I had one check go in and my stimulus check then after 2 maybe 3 days by of paying my bills, bluebird locks my card for some reason. I was told to call customer service to have them unlock it. Well, ... nobody ever answers. I held on today for 1 hour and 27 minutes. Can't log on and fix it ... .I put in user and pass next page says card locked and go no farther. The so called account protection department bc will not ever answer either so you either get hung up on or wait for bb nothing all day long. That is EVERY XXXX my family has and we will definatley not make it with nothing. Somebody's head needs to roll.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Called chase to dispute an {$8000.00} transaction and they did nothing about it. I informed them I would not be making payments on the card until they start to investigate it. Subsequently they closed my account

Company response to consumer: Closed with explanation