BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: F.H. Cann & Associates, Inc.
State: NC
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 received a letter from F. H. Conn & Associates informing me my student loan was in default and that I must repay them a balance of over {$60000.00}. I have never had any student loans. I informed F.H. Conn that I had no student loans, and after sever letters and months i received a copy of a XXXX XXXX XXXX XXXX XXXX and Promissory Note. The form they sent was hand written and full of errors. I explained to the representatives that I had never seen, nor signed the XXXX XXXX XXXX XXXX XXXX and Promissory Note they sent to me. There are several errors, it is hand written by someone other than me and with my alleged signature, something I would not do. It does not identify who filled out the form, and there is no witness or approval signature. The form has a date stamp of XXXX XXXX, XXXX across the top but the form notes its expiration date as XXXX/XXXX/XXXX. There are several other errors including using my Social Security # as my Drivers License #. I asked for a review of this loan, but have been threatened with wage and tax garnishment and seizure of my property to pay this loan. I have never had a loan. This is an error or a fake. I am not sure what good filing a complaint here will do but I do n't have a lot of other options. Thank you for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: MN
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:
The following collection account listed on my Experian, XXXX  and XXXX XXXX credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my Experian, XXXX  and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.

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 2017-11-28
Company: First Data Corporation
State: CO
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:
On XXXX XXXX, XXXX I received a Notice of Unpaid Electronic Fund Transfer from XXXX XXXX XXXX stating that XXXX received a check in the amount of {$14.00} which was returned as account was closed. This check was issued by XXXX Bank, XXXX, Ohio. I have never had a bank account with XXXX nor have I purchased any item from XXXX. XXXX confirmed ( e-mail attached ) that I do not owe them any money nor do I have an account with them. I filed per XXXX XXXX request a forgery claim report on XXXX XXXX. I also filed a police report copy of which follows. I have followed all the steps listed on the police report. On XXXX XXXX a letter was sent to me by XXXX, XXXX XXXX. I have tried to contact the telephone number listed on their letter and a recording stated this number was no longer in effect. When I called the new telephone number, I could not speak to a person. I also called XXXX for the XXXX time today, XXXX XXXX, and was told they do have a bank account with the number listed by XXXX but it is NOT in my name. They refused to send me a letter stating that this is NOT my account even though the Federal Trade Commission indicated this to be one of the things I should obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I attempted to work with this company with resolving the debt owed but due to financial issues I have not been able to. I have now enrolled in a Debt Consultation Company and am working with them to resolve my debt. My debt was accrued by an arson case I experienced at my personal property resulting in tens of thousands in damages. My insurance covered some, and I took credit cards out to repair additional. I never had credit issues in the past before this. Now over the course of years of playing marry-go-round with the creditors I am working with this Debt company for a resolution. 
My primary complaint is that : now I am being contacted at my place of work. Which I have now been informed is actually illegal and a form of harassment. I feel that it is very unprofessional for me to be receiving these calls and need them to stop. I am trying to work something out, but times are hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Army and Air Force Exchange Service
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
yes my dad open a military star card in my name with out my promission I try to tell them it was my dad who did it but they are still trying to make me pay it they say I 'm reliable cause my dad used my social security number but the paper they sent me of the account show none of my signature it show my dad and his ex wife my ex step mother the bill keep going up and I not reliable for it cause I 'm not the one who open it and I never knew it was open until I check my credit I try to dispruting but they would n't let me when none of the signature are my that was use when using the card and I was told that if I do n't pay it they will take my tax return and I wont see a penny back from it this need to stop I should have to pay something that I did n't do and this is a military a government program for a shop on XXXX XXXX and XXXX bases so why is the government try to take money from me that I do n't owe them I did nothing wrong and this is unfair plz help me

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: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Ditech MANY times about my concerns, but nothing ever gets resolved. 

Every year, they send a XXXX statement to me, and I end up paying taxes on that amount. I have asked them at least seven times where this interest they have supposedly paid me is. Most recently, I asked in XX/XX/2019. I keep getting put off. I got a letter saying they were looking into the matter. Then I got a letter saying they were still looking into it. It's nearly the end ofXX/XX/XXXX, and no one can tell me where this interest they supposedly paid me got credited. 

I have checked my account every month, gone through the escrow, funds applied to the principal balance, etc., but there's no record of my EVER being credited any interest. 

This has been an annual battle, and I'm weary of it. I'm fine paying taxes I owe, but if I'm not getting the interest as Ditech is claiming, I should not be paying taxes on it. 

More recently, when I went to pay off my mortgage ( on XX/XX/XXXX ), I noticed they charged me {$190.00} in late fees even though my mortgage due date is on the first of the month, and they had already processed my XX/XX/XXXX payment. I can't be paying late if I'm 10 days early. 

Both of these issues seem like consumer fraud to me, and I'd like help getting this sorted out. 

Ditech is useless when I call or write. I get a run around and " we're looking into it '' without ever getting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a request to Trans Union on XX/XX/XXXX, asking them to correct errors on my credit report. They were supposed to investigate the errors and respond within 30 days.

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: LOAN TO LEARN
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:
Date Opened : XX/XX/XXXX Creditor : Loan to Learn, aka " LOANTOLEARN '', aka " LOAN TO LRN '', akaXXXX " XXXX XXXX, XXXX '' High Credit : {$20000.00} Bureau Code : Co-Signer Collection Agency : XXXX XXXXXXXX XXXX XXXX Issue # 1 : The creditor is reporting the same ( {$20000.00} ) account twice. There was only ( ever ) one loan, but the creditor is reporting as if it's two separate loans/accounts. 

Issue # 2 The account was opened in XXXX, went delinquent, and ultimately the creditor obtained a court judgement in XXXX. I'm under the impression that negative accounts could only report for 7 years. If this account was bad in XXXX ; why is it still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Nelnet, Inc.
State: AR
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:
Nelnet loans tried to say that I took out loans by completeness the fafsa when I took out Pell Grant. I was threaten to be prosecuted and garnished of my XXXX income regardless if I make more payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I ran my credit once in XXXX and recently in XXXX in XXXX XXXX XXXX auto and I recently checked my report and I have companys running my credit that I never heard of or gave my social security number out for no reason what so ever. My credit has dropped and I just want to remove the unapproved one one by one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a very old XXXX Credit  tradeline account that was charged off in which Portfolio Recovery Associates purchased in XX/XX/XXXX. In XX/XX/XXXX, one of the representatives called and continued to harass me regarding this particular debt. Advising they would be suing etc. I disregarded the calls and it showed up on my credit report. At the time it was reporting to the CRAs as a Factoring Company,  which is a violation of FCRA because they are actually debt collectors. Also, the representative lied to me and said if I settle this debt it would be removed from the CRA. At this time it's still on my XXXX report, because of the misleading tactics I settled thinking it would clear from my credit report. It was a lie. Also, on my credit report, it still shows under creditor classification is " unknown ''. I believe this a deceptive practice in order for me to collect on a bad debt that was well past the statute of limitation. I feel my customer rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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 discovered check fraud on my checking account on XX/XX/22. The next business day, Tuesday the XXXX, I contacted Citizens Bank by phone to report the fraud. At the time, there were two checks which the amounts and payees were changed, one for {$1500.00} & the other for {$1800.00}.

The Bank explained that they would investigate. In the meantime, the account was changed to credit-only and I was asked to open a new checking account. The representative also told us that we would be receiving a provisional credit which after multiple calls and " expedited requests '' they filed for me, I have yet to receive. 

On XX/XX/22, a 'Declaration of unauthorized Endorsement - Altered '' form was mailed to the house. It was promptly filled out and returned on XX/XX/22. 

It has been over a month since initial contact. I've called multiple times to inquire about the investigation and also visited my local Branch. They aren't allowed to give me information and tell me that someone will call me back in two business day, yet I never receive a callback. Worst of all they continue to tie up {$3300.00} without a provisional credit. For checks that were clearly doctored, this process has taken longer than expected without regard for a senior citizen 's funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2019-Chase Credit Card bill received in mail was for {$180.00} payment due date of XX/XX/2019. It included a credit card fee of {$37.00}. I called Chase to dispute the " PAST DUE '' charge. Over the phone Chase said they would dismiss the {$37.00} late fee received on the XX/XX/2019 Bill. I paid  my minimum in full of {$150.00} on XX/XX/2019. 

XX/XX/2019 - Chase Credit Card bill received in mail was for XXXX with payment due date of XXXX XXXX. Once again including a late fee of {$37.00}. 

XX/XX/2019 - Email received from Chase Credit Card via XXXX that bill received on XX/XX/2019 with a payment Due date of XX/XX/2019 was at least 16 days past due as of XX/XX/2019. I also received phone calls from XXXX urging me to make the " Overdue '' payment. 

Statements are not correct. Statements don't reflect proper payments made. Unnecessary " Past Due '' charges. Claims that my payments are late when they are not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Law firm Mitchell D. Bluhm & assoc ( MBA ) : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX Received collection letters from MBA for {$210.00} for services date XXXX by a XXXX XXXX XXXX. we have contacted the collector ( MBA ) several times asking for verification of bill. they claim they don't have any. we have reached out to XXXX XXXX   XXXX and they inform that we have nothing owed to them. have checked into the XXXX XXXX XXXX  on this law firm/collection agency has over 600 similar complaints against them. they have reported us to our credit reporting agencies and have tarnished or perfect record. we are a retired couple and find that their practice is amoral and un ethical. we respectfully request your help. If we do owe monies we request again that they provide verification and we will pay. our credit report should be informed that it was improperly tarnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: The CBE Group, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I requested validation they did not properly validate. Sent via email. I never gave them permission to email me about this debt. This was paid. They did not show equipment returned in 2017. They did not show payments made. They reported to credit reporting company. This was paid in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In the beginning of XXXX 2017, I opened an Advance Checking account with HSBC in order to meet their requirement for {$350.00} account opening ( {$10000.00} or more direct deposit ). After selecting the middle option on their application website I arranged for the direct deposit to commence. Subsequently I was welcomed by HSBC welcome messages referring to generic " HSBC product '' until XX/XX/XXXX when the first notification of Choice account was made followed by the paper statement. Since I did n't apply for Choice account I contacted the HSBC overseas call center CS center to find out why was the account switched without my previous permission or knowledge. After a long wait ( about 10 min ) the CSR for checking stated that the issue is with online dept and not theirs and then subsequently transferred me to the non-working extension. 
When I called again and spent again about 15 min on call I was told that it was me that selected the Choice checking despite meeting the conditions in regards of the Advance checking. I was also informed that any changes in account status will automatically disqualify the bonus leading me to the conclusion that the switch has been done on purpose. 
Questions : 1 ) Why any notifications sent out by HSBC prior to commencement of the wire deposit were referring to the generic HSBC product and not advance checking? 
2 ) Why the account representatives overseas are not authorized to address issues such as this as this is the basic customer service function?

3 ) If the HSBC is the ultimate decider of what product customers are allowed to choose why it did n't send out the notifications to that effect instead of arranging the account deposit and then downgrading it to the different product in order not to pay opening bonus ( it was confirmed by HSBC representative to that effect )?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Information belongs to someone else

Complaint:
I am showing 6 accounts on my credit report on three bureaus that are not mine they do not belong to me I have tried calling and disputing these accounts as well as sending letters to the bureaus and the furnishers and nothing is being done about this it is identity theft I have not applied or used or even know what these accounts are in my credit I need them off my credit report this is false showing of my credit account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 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 2018-05-01
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Ascendium Education Group
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/XXXX I received a Wage Withholding Administrative Hearing Final Decision from XXXX XXXX XXXX XXXX with copies issued to myself & XXXX XXXX XXXX. The Decision states " Ascendium or Borrower may request reconsideration of this decision anything after 6 months from the date of this decision. '' I received a new letter from Ascendium dated XX/XX/XXXX stating they are starting attempts to collect from me already. 

I called them on XX/XX/XXXX to ask them why, based on the above decision they were contacting me already and they said my Final Decision had nothign to do with them and the amount was due and that they were going to start procedures on me. They were not trying to listen to the fact that my Final Decision said I have 6 months before they could reconsider. I hung up the call. 

I want to know how they are starting to begin collection again within the 6 months of my Final Decision. Don't I have right protecting me from this violation?

Company response to consumer: Closed with explanation