BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-23
Company: Genesis Lending
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My son attended XXXX college in XXXX, Wyoming in 2011. As we ere there to drop him off for the start of his college career they ushered us through these lines and threw out a lot of information and had us sign multiple papers without explaining them to us. We felt like we had no alternative for financing his education. With extremely high rates as well as origination fees and me having to co-sign and make payments the entire time he was in school. We have tried negotiating the interest rates but to no avail. We feel like predatory lending is at its best here and we would like help in getting this resolved immediately. My son is struggling to pay which in turn has affected my credit which is unfair.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
During the XX/XX/XXXX weekend our family went camping to XXXX XXXX XXXX, due to being out in the wilderness we had minimal cell reception throughout most of the visit. On XX/XX/XXXX the wife and I went to the visitors center which has reception, at that point we received notification from the bank that an attempt for a {$25.00} purchase at a XXXX in XXXX, GA was rejected as suspicious. The purchase was attempted through my wife 's debit card linked to our checking account ending in XXXX. She cancelled her card and requested a new one while we had reception and thought that was the end of it. Forward to XX/XX/XXXX and we receive a call and notice about an un-authorized transaction for {$1700.00} through Chase 's online transfer service, XXXX. My wife nor I have ever used Chase in built online transfer service XXXX. Soon after receiving the call, my wife noticed that the caller was asking very sensitive information that she felt uncomfortable sharing and at that point hung up and called Chase directly herself. Chase verified that the caller was likely a scammer and that they would look into the un-authorized transfer and returning our money. XX/XX/XXXX my wife stayed home due to our sick child and called Chase for an update on the review and was told that we were denied a refund due to my wife giving " Authorization '' by using XXXX XXXX XXXX XXXX. Even though she only ever uses XXXX XXXX to open her phone, not to authorize XXXX to approve the transfer for {$1700.00}, at that point my wife requested that a supervisor take a second look into which they agreed to. Fast forward to XX/XX/XXXX and I call personally to Chase on an update on the case and was given the same answer that was given to us initially. At this point I believe that the bank is not taking responsibility for an un-authorized transfer and in violation of Regulation E protections as neither my wife nor I ever authorized any transfer or was verified through any multi-factor verification. Due to privacy policies I can't add screenshot attachments from my phone due to the action being blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX 
ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: ALCHRO 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:
On XX/XX/2018 First Federal Credit & Collections added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, First Federal Credit & Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to First Federal Credit & Collections, however they remained negligent and did not respond or delete the unverified account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transactions done by myself. I have attached the FTC report along with my drivers license

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 2016-09-26
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am getting a loan from Green Sky, XXXX, GA. They are charging me {$1700.00} on {$5000.00} so the total payment is {$6700.00} I thought 35 % interest was illegal. I have tired to contact Green Sky and there is no respond. Also our FICA score XXXX so that rate seems a little wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: American Student Assistance
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had defaulted on a FFEL Consolidated loan in XX/XX/XXXX. The loan was then turned over to a collection agency. I have been on a payment plan with this collection agency for 21 years, and I have not missed an agreed upon amount payment, but my loan is still showing to be in default status. 
In XX/XX/XXXX I received a letter stating " Congratulations, you are only two more on time payments away from qualifying for student loan rehabilitation ... Once your loan is sold, your default will be over ... '' Why only two more on time payments? I just made over XXXX on time payments ... why now? why was n't I offered a rehabilitation 15 years ago? If I was, this loan would have been paid off and I would n't be having a balance of the following : As of XX/XX/XXXX : ( 22 years after going into default ) Accrued charges = {$97000.00} Applied to interest = {$75000.00} Applied to collection costs = {$21000.00} Misc fees = {$470.00} Applied to principle = {$0.00} Payments = {$84000.00} Beginning balance = {$38000.00} Ending balance = {$52000.00} Is it the collection agency or loan holder 's due diligence to collect on a loan and not drag it out? A loan of {$38000.00} and a repayment plan totaling {$130000.00} ... is that legal? 
A mark up of over 350 % on a Federal Student Loan? When I was making a payment every month for over 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 noticed I have inquires That I did not request reporting on my credit report. They should be taken off right away.

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 2018-05-28
Company: CITIBANK, N.A.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding my Citibanks credit card ( Card number ending with XXXX ). 

I purchased an Air ticket for 3 travelers ( Myself, my wife and my daughter ) from XXXX XXXX on XX/XX/XXXX. 

'XXXX XXXX ' issued me 3 ticket numbers ( for 3 travelers ) under a single PNR. The entire transaction amount were split into 3 transactions ( for 3 ticket numbers ).

I disputed all 3 transactions with Citibank on XX/XX/XXXX as 'XXXX XXXX ' did not allow us to travel on their flight even though we had proper documentations, passport, visa.

Citibank created following 3 dispute case numbers for three transactions and asked me to provide supporting documents. 
Case # XXXX Case # XXXX Case # XXXX I provided supporting documents for all 3 disputes on XX/XX/XXXX and I clearly explained to Citibank that all 3 disputes are related to same incident ( under a single air ticket PNR ) and should be looked into and processed together. 

Citibank started processing the disputes and I was communicated on XX/XX/ that Dispute XXXX was resolved in my favor and a Permanent credit was applied to my card. 

On the same day, Citibank commutated to me that other two disputes ( XXXX and XXXX ) were resolved in merchant favor as Citibank did not receive the supporting documents from me within the timeframe. 

I contacted Citibank multiple times and explained that I provided supporting documents for all 3 disputes on same day- XX/XX/ ( and I have the proofs ). So it was Citibanks negligent act in processing other two disputes ( XXXX and XXXX ) on timely manner which resulted the disputes in merchant favor. 

Since one dispute ( out of 3 ) was resolved in my favor and all 3 disputes were related to same incident ( under a single air ticket PNR ), it proves that all my 3 disputes were valid and we had proper documentations, passport, visa.

I requested Citibank to reopen other two disputes since it was not my fault, rather it was Citibanks negligence that they ignored my supporting documents for those two disputes ( XXXX and XXXX ). 

I made multiple attempts and request to Citibank either to reopen the disputes or credit the disputed amount to my credit card account. But Citibank did not honor my request. 

Hence I am seeking permanent credit ( Total = {$1700.00} ) for the two disputed disputes from Citibank. 

Disputed amount for XXXX = {$880.00} Disputed amount for XXXX = {$880.00} Total = {$1700.00}

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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My reports of id theft are near i possible to report to these to credit reporting companies who report the same information over and over again already disputed and I am at a loss what to do. Transunion wants proof of ID well then see attached. Why put up so many roadblocks since we are ongoing victims of id theft and should be granted our rights under the law

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 2020-01-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit reporting agency failed to provide verification for accounts that are on my credit report that are not mine.

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 2021-07-28
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: Account information incorrect

Complaint:
Incorrect posting on an attempt for debt collection! XXXX  debt collector- : XXXX XXXX XXXX  on an invalid debt. CONFIRM CAN BE DONE WITH MYID office of personnel mgmt. Case number XXXX. XXXX  already purged on cease and desist! Art people like everything else conserving credit and protection A FREEZE. Bars no lender, bank, etc ... .factvper bureaus and other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
green tree, know it call ditech was change my loan payment no notices why, no information what was going on no one to talk to me you can not to with escrow about your loan. One of the employee was demanding XXXX in a cash year check made out to cash or they would make sure l was homeless ruined my credit report l have been paying my homeowner insurance and property taxes. l can not get any help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Went to settlement on my house XX/XX/XXXX. {$3100.00} was impounded at settlement to pay 2015 taxes on the property Mortgage went from Greentree to Ditech.Taxes were never paid.Amt.owed went to collection agency with a lien date XX/XX/XXXX.I have called Ditech for 3 weeks .They were researching the problem.The tax bill has not been paid now I 'm in danger of losing the house & my good credit has been damaged.

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 2021-07-28
Company: TreeMac Funding Group, LLC
State: TX
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:
I received a voice mail message from a restricted phone number from XXXX XXXX, who claimed to be processing paperwork for her client. She threatened to negatively impact my employment by trying to embarrass me at my place of work by delivering her paperwork to my supervisor or a " high level member of security. '' I called the number she left on my voicemail, XXXX. I was given the case number XXXX. 

I called the number and spoke with XXXX XXXX, who said he works for a company called XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, TX. 

After multiple XXXX searches, i couldn't find anything to verify that this company is even real. 

After telling XXXX XXXX that I would not be giving him any money, i received another call from XXXX XXXX, who was supposed to be bringing me, according to XXXX XXXX, " important paperwork '' regarding the matter. 

XXXX XXXX never showed up, so I called XXXX again and spoke to XXXX XXXX. He disconnected the call after I made it clear that I don't believe this is a real company. 

When I called back, i was immediately transferred to the " Operations Manager '' that could not provide me the name of their client or the name of the company XXXX XXXX works for. 

After I made it clear that I believe I'm being scammed, he disconnected the call. 

Further calls go to voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
letter was sent XX/XX/XXXX, on XX/XX/2021 lexis nexis confirmed it received a certified mail ( dispute letter ) which stated " I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently challenged this same account with the credit bureaus, and they came back stating that they verified this account with lexis Nexis. I have went to the courthouse and they have also stated they did NOT verify this information, nor do they verify any info with any vendors, third parties or credit bureaus. Please send me what ever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character '' as of XX/XX/XXXX lexis Nexis has not provided any documentation to prove how they verified the bankruptcies in question, the federal court stated in the letter they provided to me which i provided below that they do not verify any type of information with any third party vendors or credit bureaus. # 1 there is no such thing as a public record for the consumer because you have the right to privacy. thats pursuant to 15 usc 1681 ( a ) ( 4 ) i have attached the law below. if you investigated it tell me who you interviewed and if you interviewed them it should NOT include facts pursuant to 15 usc 1681a. ( e ) corporations cant interview anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I sent a qualified written request letter to my servicing agent the reply I was mailed a reply that did not answer any of my questions because, " they were just the servicing agent. '' Because I sent you a copy of my qualified written request the same day I originally sent theirs both certified mailed, you filed a complaint with them. Because of your complaint, I received another response including documents, but stated it was not an answer to my qualified written request ( because qwr are to be sent to a strict address, which is the same exact address I did mail the original ). However, the documents sent in XXXX responses are very different from each other and still are not following RESPA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation