BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: SC
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:
The credit bureaus stated that my account XXXX XXXX XXXX was properly investigated but they continue to report inaccurate information. The following errors were identified : The balance of the account is incorrect The account status is incorrect Last Reporting date is incorrect 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2019-04-23
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My student loans began at just under XXXX. That was the last I attended in XXXX. They jumped to XXXX in XXXX with a consolidation that I did not ever apply for ... the consolidation amount {$65000.00} to {$140000.00} with AES/XXXX, They also left out a loan I have been paying on for years through XXXX ... They are in the last name which is not my name. I do not have an ID or any way to prove that it is not me. I have sent my soc cars as well as my South Dakota drivers license to them. They will not speak to me about this debt and they provided me a fraud packet via mail. I have not had a response back and I can not speak with anyone regarding this issue due to my name vs, name on the account. So it is bounced back and forth between PHEAA and AES/XXXX. My credit is greatly affected. the most recent letter I received is from PHEAA and the amount is now at {$190000.00}!!! I am paying on an unsubsidized and have been for years that began at XXXX. The other, currently with PHEAA began at around subsidized was originally XXXX. They send mail to me in my name and when I call them or try to make payments they refuse to talk to me unless I can produce the name my account number, social security number and birthday are associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX of XXXX I received a letter from XXXX XXXX XXXX XXXX stating I owed them {$1700.00}. I sent a letter on XX/XX/XXXX asking them to validate this debt. I did not hear back from them. In XXXX of XXXX I received a similar letter from a different company FBCS , Inc stating I owe them the same amount of {$1700.00}. I sent them a letter on XX/XX/XXXX asking for the same validation. I also received a copy of a paper that appeared to be order for judgement from XX/XX/XXXX, from a completely different company XXXX XXXX XXXX  XXXXXXXX XXXX. The paper did not have a court seal, docket stamp, file number, case number, official letter head or anything official from a court of law. 

I found it to be suspicious, so I contacted the state 's district court where this paperwork supposedly came from immediately. I gave them all the information I had and was told there is no judgement on file against me. The paperwork I was sent is fake. My information can be searched in any court and there will be nothing on file against me stating I owe this debt. Afterwords I sent a second letter stating all the facts. I do not owe this debt, I've never heard of their company and I do not owe them. There is no court judgement against me. I received a letter stating this account will be put on hold in their office, dated XX/XX/XXXX. 

Today XX/XX/XXXX I receive a call from someone at FBCS , Inc on a recorded line stating that I owe over {$5000.00} and if I didn't pay, they know where I worked and would have my wages garnished and have their lawyer come after me. The lady on the phone scared me so I feel compelled to report them. I'm sending them another letter as well an contacting the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 I spoke with XXXX XXXX at TD Bank ( XXXX ) XXXX to obtain international wire transfer information. He was confused and didn't remember how to spell his name. Hours later, after properly identifying myself, Mr. XXXX thought that he should refer me, by way of email, to folks at the bank that can not be contacted. I then spoke with the branch manager in XXXX NH ; Mr. XXXX XXXX ( XXXX ) XXXX. Mr. XXXX provided the information for the wire transfer. The wire transfer was initiated on XX/XX/2019. The wire was rejected by TD Bank on XX/XX/2019. The bank claims that the information that they provided was incorrect. The sender refuses to resend the funds because TD bank has not provided a refund. TD Bank claims that they are not in possession of the funds. I have not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Penn Credit Corporation
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found a new debt-collection remark ( {$160.00} ) on my credit history on XX/XX/XXXX and I realized it was from XXXX XXXX XXXX XXXX same creditor- for the same account opened due to identity theft XXXX years ago. I contacted XXXX XXXX and reported the identity theft issue in XXXX and XX/XX/XXXX. Their debt collector agreed to remove the fraud debt collection record. But this year, XXXX XXXX once again posted the same fraud bill on my account. 

The previous incident is below : I found a debt collection record of {$160.00} in my credit history on XX/XX/XXXX. The creditor is XXXX XXXX, a XXXX power provider/company. The debt collector is XXXX. I contacted XXXX XXXX and was advised to file a police report and provide utility bills for my apartment in XXXX. I faxed all the required documents to the provided number ( XXXX ) on XX/XX/XXXX, but have not heard back from XXXX XXXX. I filed a complaint on CFPB ( ID # XXXX ) and the debt collector removed the debt collection record on XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: CNG FINANCIAL CORPORATION
State: OH
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:
On XX/XX/2018 my employer notified me via email that there was a data breech and all employees W-2 's were stolen, and that we should be aware and monitoring our credit. On XX/XX/2018 there was a hard injury made from Axcess Financial in XXXX, OH. I immediately froze my credit and contacted Axcess Financial to notify them that I did not make this injury and it was fraudulent. They requested I fill out a report and send several supporting documents. I completed their requested documents and mailed them via certified mail on on XX/XX/2018. The certified mail was delivered and signed for at Axcess Financial on XX/XX/2018 at XXXX. Axcess Financial has continued to ask me to mail the same documents because they've said they've never received them. I repeatedly advised them that I mailed the documents via certified mail and they still have not been able to find them. They have most recently ( XX/XX/18 ) sent another email telling me they will be closing my case/fraud complaint due to the fact that I have not provided them with the requested documents. I again told them I mailed it certified mail and it was signed for on the above mentioned date. They have requested the tracking number for the certified letter, which I have declined to give because I've already given them the time and date the letter was delivered to their agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a one year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Closed account with XXXX, returned their equipment with my forward address after my home sold in XXXX  and left XX/XX/XXXX for XXXX XXXX XXXX  mailed me a bill for for {$110.00} for 6 days services in my new residence in XXXX XXXX. 
Billing explained to me I was liable for the whole amount even when I only used the services for 6 days into the billing cycle. 
Communication with a supervisor in XXXX couple months later told me that I did not had to pay the full amount and ( XX/XX/XXXX ) of {$110.00} would satisfy the debt and it was agreed to pay {$27.00} which I send them a check. 
In XXXX XXXX  try to collect again using a collection agency and upon my providing all prudent information collection agency dropped their collection effort. 
Apparently XX/XX/XXXX XXXX turn the " debt '' to a different collection company if an effort to collect {$86.00}

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 2021-04-15
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Was notified of possible fraudulent charge on my XXXX on XX/XX/2021. Called Barclays immediately to let them know of the fraud. Spent XXXX hours on hold, but the person filed a case and told me they would remove the charges and file with the fraud department. a month and a half later I received a letter from Barclays that 1 of the charges was being charged back to me because the investigation showed it was legitimate charge. I tried to contact Barclay card for a week and spent over 6 hours on hold trying to get through to them to let them know it was a fraudulent charge and was not legitimate. Without success I contacted the office of the president at Barclays and received a response back from them. When I talked with them they gave me a phone number of XXXX XXXX XXXX to contact them about the charge. I called XXXX and they were helpful with information about the order, even gave me an address where the product was shipped to somewhere in North Dakota. I contacted the office of the president at Barclays again and they told me there is nothing they can do. I was suppose to have a zero liability fraud protection with my XXXX!! I don't know what to do now!!! XXXX says they can't do anything and Barclays tells me to contact 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 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in XXXX with a balance of {$850.00} Old loan accounts Closed accounts my ex-wife first name as current wife.

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 2017-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received my credit report in XXXX of 2017 and Capital one removed the account off my report. I looked last week and it reappeared with no explanation. This is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: PA
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:
A dispute and FTC report was submitted for a fraudulent account and hard inquiries on my credit reports. 

Equifax account : XXXX {$7300.00} Hard inquiries : XXXX - XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  Fin XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
CITIBANK occupied my money unreasonable almost 1 year, and not plan back to me. 
Request : Return back all my money ASAP, Already occupied almost 1 year, and contribute me lost a lot. Stop Discrimination against XXXX XXXX XXXX XXXX XXXX Was told will return in 60 days, but a long time still not return, after many time try they told will not return. 
I have a citibank account, citi closed last year, and told will return my money back after 60 days, but not return to me a long time, we we called customer support and visited the branch office many times, even branch confirmed the money belong to me, but they still refuse return to me, just because I am XXXX XXXX XXXX XXXX XXXX 
have over $ XXXX from my another bank to citibank, citi refuse back to us. 
have over $ XXXX XXXX XXXX XXXX citibank refuse back to me, I run a XXXX XXXX, and have state license and city registered since 2018, has all government required documents. In USA most 1099 TAX form worker and schedule c sole proprietorship business under personal name do business use person name, why a XXXX  women been discrimination against and can't. why occupied all my money. 
I visited branch, the teller try help us call customer a few time, each time over 40 mins, still can't resolve this problem, I call customer support by myself, they only answer account closed and nothing and refuse find a translator.

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 monetary relief
Consumer complaint received 2017-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX  to pay off the balances of 3 capital one cards and one card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a credit card with American Express. And I have made 500 to {$1000.00} dollars payments in one lump sum more than one time. and they will not report that to the credit reporting Bureau. And I think that's wrong. And I would like for them to report those payments for those months that I made to the credit reporting Bureau. They only report my payments as XXXX dollars and I have made way over that from the day. I've had this card. And that's unfair Credit Reporting practices I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XXXX XXXX XXXX, I was approved for a trial loan modification. My trial payments were to begin XXXX, XXXX, XXXX XXXX. I never signed any documentation in fact the readable trial loan modification documents came late. However, the correct paperwork that showed how much my trial loan payment would be. Fast forward in XXXX after several emails and calls I received loan modification paperwork with 2 additional names on the documents in addition to mine. I called the bank and the stated it would be escalated and corrected. So from XXXX through XXXX the bank and I were gong back to get correct documents. I received a denied loan modification do to the fact I did not signed the incorrect loan documents. I then appealed the denial for not being able to signed the loan modification documents because they had other people names on the document not associated to the loan and myself. The appeal came back that the fraudulent names on the loan modification had to be signed. I called and emailed US Bank several times for assistance because the same reason they were deny my modification was same reason I could not signed the modification documents. Finally, I supervisor by the name XXXX XXXX did her job and email there mortgage appoint assistant again explaining how it was an error or there end. So fast forward to XXXX/XXXX/XXXX. I receive an email by XXXX XXXX, a US bank rep manager and she explains she will XXXX the correct documents to me so I can sign. In the meantime they send me back one check in my deceased mothers name. They start to mail all documents in my deceased mothers name even though when I was paying they were sending it in my name, plus all the checks were coming from me. On XXXX XXXX when US Bank Rep told me she was sending the correct documents. On XXXX XXXX, XXXX I received a foreclosure notice and auction sale date of XXXX/XXXX/XXXX and they attached it to the door today. Now I paid all trial periods on time and paid over my trial months, the error was on US Bank. Now I have been embarrassed by neighbors, my kids are worried, and stressed that we are going to loose our home. In which I did everything I was supposed to do on my end. I did mail back the correct documents today XXXX/XXXX/XXXX once I received them on XXXX/XXXX/XXXX. The house is under water. I inherited the mess and the bank is not giving me any mercy for their error or a principal reduction. 
Sincerely, 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 2017-11-08
Company: Rent Recovery Solutions
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XXXX XXXX, Rent Recovery Solutions placed several calls to me stating I owed money to XXXX XXXX XXXX XXXX. I told them over the phone I had no clue who they were and I have never done business with them. The Rent Recovery Solutions spokesperson stated that it would be reporting to my credit report. Sure enough, it has reported to XXXX and XXXX. I filed a dispute with both companies and XXXX deleted the collection after investigating and determining it to be fraudulent. XXXX has been investigating it for over a month at this point. I am attempting to purchase a home however this fraudulent information is damaging my ability to do so. I request that the CFPB on my behalf contact XXXX and anyone required to remove this collection from my reports. I have filed a police report with The XXXX of XXXX Police. 
The collection is titled : RENT RECOVERY SOLUTIONS Ammount : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation