BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In 2007, I made a decision to return to college to complete a degree I started 10 years prior. I was ineligible for student aid because although I was n't working, I am married. I had maxed out the amount of money I could take with XXXX XXXX so I borrowed from NJ class. When I graduated, I was sent a bill almost right away. I called to tell them that I was n't working and asked if I could defer/forbear the loan for a few months. I was told there were no options. With XXXX children to care for my husband and I had nothing to send while I was n't working. I called them back to make arrangements when I was finally able to obtain a job but it was too late and I was sued by their debt collection lawyers. I am now paying almost triple the amount per month than the original payment with the threat that if I do n't pay my wages will be garnished. I have talked several people out of taking loans with NJ class because their practices ; I was n't given any grace after graduation or any other options for repayment. I was n't trying to get out of my obligation, I just needed time to find a job or something that would have help during an economic hardship. NJ class feels they can get away with it because they do n't have to follow the same structure as the federal student loans but they ca n't be discharged on a bankruptcy because they are a student loan company so no matter how it impacts my family there is nothing I can do. I am forced to come up with a high payment that goes up {$50.00} every six months until it 's paid. Shame on NJ Class for giving people the false impression they are there to assist in the goals and dreams of students that just want to get an education but fall short on money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Even though XXXX* told me, both in writing and over the phone, that they have retracted the negative information that was falsely reported as " late '' for XX/XX/XXXX and XX/XX/XXXX payments, as of XX/XX/XXXX ( that is 6 weeks later ), the negative information is still sitting on my TransUnion credit report. 

*The person that I spoke with at XXXX is XXXX ( extension # XXXX ) at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXXXXXX MONDAY-FRIDAY  XXXX TO XXXX PST XX/XX/XXXXXXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Original Balance : {$86.00} Current Principal : {$86.00} Interest Due : {$0.00} Total Due : {$86.00} ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX XXXX XXXX XXXX Genesis understands you claim the alleged debt is the result of fraudulent activity.

In order for us to investigate your claim, please provide the following : Proof of where you resided during the alleged fraudulent lease, such as a copy of your lease/property tax statement/mortgage statement/utility statement. You may be asked to provide more as needed. If these items are in anothers name than provide with the item a notarized affidavit of residence where that person affirms that you lived with them at that time.

A clear and legible copy of your driver 's license. ( front and back ) A filed police report with report number documenting the crime.

That references the unit in your name.

A copy of the FTC complaint notarized on the signature page with a physical signature witnessed by notary. ( www.ftc.gov ) Once all documents are received, reviewed and if verified as valid, the account will be closed, and all data furnished to credit bureaus will be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
You had an XXXX XXXX XXXX  account with account number XXXX. 
As of XX/XX/2008 {$400.00} Between XX/XX/2008 and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$400.00} That this is an attempt to collect a 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 2016-08-05
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trans World Systems is attempting to collect an alleged unsecured debt that 's past Pennsylvania State 's debt collection statutes of limitation and violation of the FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
multiple inquiries from the same companies reported several times and I spoke with the credit bureau before and they removed them and after there crash they where reapplied. Please remove these inquires immediately XXXX XXXX XXXX-they are no longer in business and ran numerous credit inquires against my agreement XXXX-ran my credit once and its reported over and over again as an inquiry XXXX- never authorized this inquiry I was a victim of trans unions inquiry issue and all old inquires were replaced also- XXXX XXXX XXXX XXXX XXXX these where all previously removed and now they are all listed on my credit file twice due to transunions problem please remove them 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
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  Account Number # XXXX, Account Name XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXXXXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX and Account Name : XXXX  and Account Number # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

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 2015-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, I filed a complaint to CFPB, which Wells Fargo has still not resolved, and now this case is under investigation by a XXXX investigator. I am continuing this complaint because Wells Fargo ( through their foreclosure division, XXXX XXXX XXXX XXXX XXXX ) SOLD MY HOUSE XXXX XXXX, XXXX even though Wells Fargo never proved they or XXXX XXXX had the legal right to arrange a sale. I only received a letter saying they consider the case closed and they are not obligated to provide any more information to CFPB or to me. But this is nonsense. Wells Fargo NEVER complied with the first and most important element of my Qualified Written Request : 1. A full, double sided, certified " true and accurate '' copy of my original promissory note and security instrument and all assignments of the security instrument. THIS MUST INCLUDE ALL ADDED PAGES AND ASSIGNMENTS from XXXX, XXXX through Trustee 's Deed Upon Sale around XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my 3 checks total amount is {$72000.00} on XX/XX/XXXX ( at XXXX ) to my JP Morgan chase bank saving account but the fund havent credit to my account at all up to today ( XX/XX/XXXX ) .I contact chase bank they told me the checks got revised 10 minutes after the deposit but I never request any checks revise! I have my deposit receipt to approve who handled the deposit for me. I reported the issue to the chase bank manager two weeks after my deposited and request them to check the surveillance system to find my checks but I havent have any results from the Chase bank yet up to today ( XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
In the XXXX 2015 issue of XXXX Bulletin, page # XXXX. R.I.P Off by XXXX XXXX. Social Security death file ; XXXX XXXX advised ; that starting a month after the death of a relative to check the departed 's credit report at Annual Credit Report for suspicious activity .Which i did and as i send all my personal information, at Trans Union it became apparent tha the page is a fraud .The sad thing is that they got my Social Security info and other personal data ..Thank you..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: SYNCHRONY FINANCIAL
State: OK
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:
I received a notice from the credit bureaus that I am 30 days past due for XXXX by {$110.00}. This isn't correct. I made a payment arrangement with Synchrony Gap last month that lowers the monthly payment to $ XXXXmonth. The first payment was made on time in XXXX. Nontheless GAP reported the account as past due anyway.

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 2021-01-11
Company: Financial Freedom Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a loan on two of our rental properties. They took our information over the phone and assured us we were approved. Sent out VP Mr. XXXX who assured us we werre approved, said they needed approximately {$1400.00} for appraisals. Once we paid the money we were told our application was in processing on the way to underwriting, promised we were going to closing. Prior to going into processing we provided them with all of the documents required to obtain a loan, great credit rating and everything. We were to close within a week, two days before closing we were told we were not getting the loan but we could have our useless appraisals. So we are left without our money and without our loan. No loan number or anything. VP XXXX stated that he has 5 or 6 people he visits a day, at that rate they dont have to exact any loans, they can just promise everyone a loan, collect a check and move on the the next

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am requesting again an investigation into Citibank in regard to a request to them advising me of who cashed a check from my account. A debit was posted to my checking account on XX/XX/20 with the payee of XXXX XXXX. I began receiving bills monthly from XXXX XXXX  and had medication held up due to non payment of my account. After calling Citibank beginning on XX/XX/20 and subsequently 15 times later, they have not advised me where that payment was deposited. They requested on XX/XX/20 that I get a signed affidavit of forgery from XXXX which I tried unsuccessfully many times to get. On XX/XX/20 I sent 3 letters, 1 to XXXX XXXX, 1 to XXXX XXXX and one to the Citi Executive response unit advising them of my efforts to comply with their request and a copy of the signed certified receipt from XXXX proving that they received the affidavit along with copies of emails to XXXX XXXX stating that she received it. I received no response. After speaking to a XXXX, ID # XXXX, I was told there was no record of receipt of my letter. Why can they not tell me who cashed my check and to what account it went to? I will not give up as now I believe that Citibank is somehow involved in this fraud. Please tell me who I can contact next because your intervention has obviously no effect on Citibank responding to such a simple request from one of their millions of middle income clients that keep them afloat.

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 2015-09-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Other

Complaint:
I set up payment arrangements in the amount of {$50.00} a month. Basically the account rep did n't want to agree to that amount because in the last two months he has been authorizing payments to take everything in my account and when I spoke with him he told me since I owe the bank for the credit card they can take any amount from my account with no explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XX/XX/2013, 2 insurance checks ( total of XXXX ) were cashed at the XXXX of Wells Fargo without my knowledge nor my authorization. Their Bank Manger cosigned for the checks to be cashed and the money dispensed.

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 2022-10-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello there I received a mail from chase bank saying I requested for address change on my chase account while I have never had an account with chase. I don't have any access or know about this account can you guys check into to it and help close this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Transunion to express concern about a judgment that has been placed on my credit report ( XXXX ) According to the XXXX XXXX Court, the judgment is from XXXX and the plaintiff is XXXX XXXX. I explained to the representative that they are reporting the wrong persons information and they told me they cant remove it and that it is up to XXXX to remove the error. I further explained that they have the wrong persons information attached to my report and they did not seem concerned about the fact that a judgement has been placed on my credit file in error, which has caused major damage to my credit score. I need for the erroneous information to be removed from my credit report immediately.

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 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
TransUnion Credit Bureau has reported another unverified account on my credit report. This is a constant violation of Section 609 of the Fair Credit Reporting Act. 
Credit Bureaus are required to verify signatures on Contracts submitted to validate the debts.

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 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am XXXX Veteran and I reported all my award letter information XXXX. I spoke with them and was told that they told TransUnion that my student loans had been discharged to Zero balance due to my XXXX veteran status. TransUnion did several investigations and refuse to remove the student loans from my credit report XXXX. I can not make purchases of a new car or home due to these erroneous items still being listed on my credit report thus lowering my score significantly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have several items on my credit reports that have been disputed with XXXX, XXXX, and Transunion. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the originalcreditor directly.Iam concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report.Irequested an investigation because Ifelt the items were not being reported legally.Ihave since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1. XXXX County Magistrate- ( XXXX docket # 's XXXX/XXXX/XXXX ) 2. XXXX- # XXXX 3.XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX XXXX- ( # 's XXXX,XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- # XXXX 10. XXXX- # XXXX 11. 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 non-monetary relief
Consumer complaint received 2015-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX XXXX XXXX XXXX Account opened in XXXX and the last time used my account before I closed them was XXXX XXXX. My account was paid in full at the Branch in Maryland in full. XXXX XXXX reported my account to the credit reporting agency as paid in full. I check out my credit reports in XXXX of this year and XXXX XXXX XXXX XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My son-in-law missed his truck payment om XXXX XXXX, due to cutbacks in the XXXX, it is a leased vechile, i signed for him, now they continue to call me every day, XXXX a day now XXXX XXXX is calling me the other is ally financial the main company ... .He sent them a payment, but they continue call my number..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation