BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX report ... ... ... iam trying to repair my credit and reports on my own as well as with a real known repair service that deals with all three agencys. XXXX has items on my report that they others removed but and the items that XXXX did remove this summer they have added the items back onto it making my credit worst then it was. the same companys and the same stuff. i go in every 30 days and dispute it for the last 6 months. and also the hard inquirys that appear on my report that i didnt do there is dupicates and i have had to put a fraud alert on my credit file makes it even worst but they dont seem too do anything so i got ta keep disputing the items. i dont know if they can put the neg and collections back on after they remove them with the same company. they shouldnt be aloud to do that, once they remove the item and it looks good ..but when i apply for something it still states neg info or remarks those also need too be updated all i can do it keep disputing it over and over intill something is fix with everything so when creditors look i wont look bad as they are making me look right now.

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 2023-01-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collections account on my report from XXXX XXXX XXXX XXXXXXXX for {$100.00}. They are not licensed in the state of California to pursue debt. 
I sent a debt validation letter on XX/XX/24. It has not been 30 days and have not received a reply as of yet. Thats not the problem though. I just discovered they are not licensed where I live, so any current dispute is unnecessary.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The incident happened on XX/XX/16. I was at XXXX XXXX in XXXX. XXXX XXXX XXXX XXXX has been trying to collect the amount of {$1000.00}, but I have already paid this amount to XXXX XXXX XXXX XXXX. I have the " paid in full '' receipt from them that says I paid {$1100.00}. I also have showed them my bank account that shows the money was taken out from my account. XXXX is the agency that will not allow this to be processed as paid. XXXX and XXXX   both took this off my record, so I do not understand why XXXX  won't. Now, I have a new debt collector called, Debt Recovery Solutions, trying to make me pay {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
This account is showing delinquent when it is not.. The account is up to date since being opened back in XX/XX/2018The account is in good standing and should not be reported as otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My XXXX  XXXX XXXX was totaled and I had gap coverage through the dealership. When it came time to get the paper from progressive to ensure that gap paid the remaining balance that progress didnt cover I couldnt get the information. I called the claim adjuster who was assigned to me as well as emailed him and I got no response. I went to the office and received no help. Now the balance is in collections on my credit with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus dated XX/XX/23, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

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

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 2020-12-15
Company: WELLS FARGO & COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My weekly benefits didnt go into my XXXX  card this is second time it states it was sent to direct deposit for wells Fargo first week of XXXX and the week of XX/XX/2020 2020

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 2019-03-02
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Our XXXX had a mortgage on several residential properties with XXXX XXXX. The mortgage was purchased by Statebridge Co. We paid the debt in full in XX/XX/XXXX. I have the discharge of mortgage and a clerical error was made by Statebridge. The released property is listed as our XXXX 's mailing address and not the several properties the actual mortgage was for. I contacted Statebridge to alert them on XX/XX/XXXX. XXXX XXXX from Statebridge was associated with this loan. I notified Ms. XXXX of the issue by email, she responded XXXX XXXX XXXX and again the same day stating she had located the document and was working on it. Having heard no response i have emailed her XXXX XXXX, XXXX asking for the status. No response. This is a clerical error Statebridge can easily resolve. Our XXXX needs to restructure quickly and further loans are being denied as a result of Statebridge 's reluctancy to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I was approved for a Chase XXXX XXXX credit card with an {$8500.00} limit. The promotion was to spend {$4000.00} in the first three months to receive the advertised benefits.

I received the card and spent approximately {$6000.00} in the first couple weeks. I was consistently transferred to the fraud department for most purchases. 

After two weeks my card account was closed without logical explanation. I did not even get to one statement cycle to make a payment on the account. 

I feel the company advertised falsely to get me to sign up for their card and advertised aggressive spending for the first three months to reach the benefits, and once I did what they asked, they closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I reached out to XXXX XXXX and asked for them to remove the 5 late payment remarks on my credit report in 2019. The company stated yes and that I will see the update in 30 days. The processed the request. I called back to check on the status and the representative stated it was still being processed. I reached out again after waiting and the next representative said NO it will not be done. XXXX XXXX lied to me. I have been a card holder for almost 8 years. I had/have XXXX XXXXXXXX on my account which covers when my account gets behind and keeps me from going delinquent by paying my balance. I had XXXX XXXX claim approved at the time because I was in a car accident XXXX XXXX stated they would perform a removal and then refuses to uphold it.

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 2017-09-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX ... ... .. i have tried many times too get an account thru either a credit union or an actual bank. iam trying too fix my credit but behold XXXX they are holding me back from getting an account thru anyone due to the lack of their filling how things are on my reports. it just shows two available accounts. every time people say its due to XXXX XXXX either its fraud or something they are doing that isnt letting me get on with my life.. i have disputed and disputed and disputed and i dont know if they are doing something that is stoping me or if they have not updated my file. i have asked them to remove all the names except for my real name and the adress and still nothing, and i dont know why they are holding back for me not to get approved for anything.. i need something done cause they are just making my life hell. all the inquirys removed from my report thank you so much

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 2019-03-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2019 i deposited check from XXXX XXXX ( XXXX ) using XXXX XXXX. Name on check was XXXX XXXX and XXXX, XXXX ( check number XXXX ). Amount {$1400.00}. was for purchase on goods from craisglist. 

XXXX XXXX cancels transactions and having the suspicion this isn't clean money, i refunded the entire amount to two quickpay accounts ( XXXX and XXXX ) Check turns out to be counterfeit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Self Financial Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my loan. Someone opened under my name. This is identity theft. I received an alert on my account in XX/XX/2022. A new lender has started a loan under my name. I never applied for this loan. But it comes out in all of my credit reports. I have put a fraud alert on my account. Tried to have it deleted from all my credit agencies. I sent a letter to the lender. I tried calling the lender. No answer. However the lender responded in a letter that I need more information. I do not want to give them my personal information. I read that they have a bad reputation. 
Amount of original loan amount {$1600.00} XXXX. Secured loan. @ $ XXXX  month This is a secured account. But its nothing I own? So how could it even be me. 
Also they never did a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CHECK INTO CASH INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Got a installment loan due biweekly with Check into Cash for XXXX. Missed one payment due to being laid off for COVID 19 Paid the remaining balance due and also paid and extra {$200.00} to be ahead and was still charged another late payment the following week and there after on a current account. Called and the representative satiated that she would correct the issue on XX/XX/XXXX in XXXX they did the day thing continuously weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern, I am writing this letter in order to dispute the collection account on my credit report. The collections from Aldous and Associates, originally from a debt by XXXX XXXX. 

I obtained a year membership with the fitness agency XXXXXXXX XXXX on XX/XX/XXXX and. However, I never agreed to extend my membership beyond this point. Moreover, Gyms were closed during the Covid 19 pandemic due to stay at home orders. XXXX XXXX  did not open again until the date of XX/XX/XXXX. Which is 2 months after my one year term. I never agreed to extend my membership beyond the one year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
{$1700.00} XX/XX/2021 settled to pay monthly never got sent anything

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: EQUIFAX, INC.
State: FL
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  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX   XXXX, XXXX, GA 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 XXXX XXXX XXXX XXXXXXXX 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
For YEARS i have been disputing with the department of Education about the erroneous information they continue to report to Credit Reporting Agencies, and for YEARS this company has refused to fix the problem. In XXXX of 2019, the accounts are reported as being paid on time, however, in XXXX of 2019, the accounts are reported as 90 days late! This same thing happens again at the end of the year. In XXXX the account is reported as paid on time, however in XXXX is reported as 90 Days past due. It is impossible to be on time one month and then 90 days past due the next month. XXXX is knowingly publishing information that is clearly false, solely because the company tells them to. This is being done despite the many efforts to inform not only the Department of Education but also XXXX of these violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" Collection Agency '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX. XXXX XXXX XXXX claims to be Representing the best interest 's of the Creditor - Citibank N.A. ( Goodyear ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to XXXX XXXX XXXX XXXX which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with XXXX XXXX XXXX XXXX I am under " No '' Legal obligation to any collection agencies, and my written contract was with Citibank, N.A ( Goodyear ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.

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 2021-05-19
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXXI applied for PSLF to Fedloan Servicing after making 122 payments under a qualifying employer. After calling Fedloan a few days later to check on any progress, I was told that I needed to use a PSLF help tool application to " speed up the process '' from the FSA/Dept of Ed website. On XX/XX/XXXX, I submitted the help tool application to Fedloan Servicing. On XX/XX/XXXX I received notification from Fedloan servicing that I had qualified 120 payments under a qualified employer for Public Service Loan Forgiveness, and had received the " trophies '' and congratulations for making 120 payments.

According to a Fedloan servicing representative, my loans are supposed to be at the final stage of approval with FSA/DOE. 
On XX/XX/XXXX, I contacted a Representative named XXXX at FSA/DOE through their online chat, who then transferred me to StudentAide.gov to check on the progress of my PSLF. In this chat the Representative " L '' ( they did not identify themself with a name or ID #, just " L '' ) told me that the " the approval process is done thru Fed Loans '', and " Fed Loans works internally with the Dept of Education, we can't see this process ''.

After this information, I contacted a Fedloan Chat Representative ( XXXX XXXX who stated that both Fedloan and FSA/DOE " both complete one and set no time frame due to the complexity ''.

My complaint is : I am not being given clear information from either my servicer or the FSA/Dept. of Ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, 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