BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of 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 2015-05-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We submitted a complaint about Green Tree Mortgage taking a payment and misapplying it incorrectly and then charging us for late fees and not remedying the situation after we wrote numerous letters. We have NEVER missed a single payment. Green Tree also took out insurance and charged us for it, even though our association has insurance for common areas. We provided the policy, but they continue to charge us for their policy and not refund the money they took from us. They have also raised the payment monthly and then add horrendous late fees even though they get and cash each of our checks. We have been harassed by them since they took over the loan and inappropriately handled our escrow. We can not get this rectified. They are unreasonable and refuse to actually answer the problem, even though they write lots of letters telling us what they did, but not how they cured the problem they created. We filed a complaint previously, but we have seen no relief. Our credit situation is deteriorating. Also, Green Tree refused to modify the loan to a reasonable % -- why should they if they can get nearly 7 % from us? That is their thinking. I am going to be XXXX and my wife is unemployed. This situation has been very difficult for us. We hope you can help. 
Thank you very much. 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I disputed this loan and credit bureaus remove them, then Federal loan servicing keeps putting it back on my credit report after it 's removal and keep reporting a missed payment which is not correct and when they reported the missed payment it 's last period of reporting on my credit with no more payment history at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: New Century Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from a company new century financial services inc saying was sending a subpoena duces tectum without deposition to my credit union for a credit card that was fraudulently open in my name in XX/XX/2007. Learning this from the letter I put in a motion to vacate and set a hearing describing this is fraud. I never had a credit card, still DONT unless I can just put money on it to spend. This motion was denied, still do not have a date for this. Someone was using my identity apparently in 2007 and I am now paying for this. I need this to stop so I am putting in this hoping the person that did this is found. I am not paying for someone else stuff! I. Dont even know how I was not notified about this fraud until almost 20 years later!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: TN
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:
I have filed several disputes on my credit report and it has not been removing after the problem is said to be resolved. Accounts that have been on time for several years still show poor payments history. Account that are paid off still showing due. There has been no movement in my. Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
A creditor may not treat a payment on credit card account under an open end consumer credit plan, as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: AES/PHEAA
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid of my XXXX student loan more than two years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from XXXX about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, XXXX apparently has sold my imaginary debt to AES, which now claims my debt is XXXX plus XXXX in unpaid interest. There is no way this is even possible. Ten days ago, I submitted a written request for verification of the debt to AES, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from AES saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I'm not going to start paying made-up debts that I don't owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir or Madam, I am trying to find help solving a financial issue with PayPal. 

On XX/XX/2022 my cousin XXXX XXXX attempted to pay me back for a loan of {$1400.00}. 
In order to receive the money, PayPal was asking for my Income Tax Information which I declined to provide. I don't give such information to any non governmental agencies because I have been a victim of identity theft before. 

Therefore, since I declined the transaction, I asked XXXX to cancel it and pay me the money in another way such as wire transfer to my checking account. 

PayPal is sending emails requesting that I pay them {$76.00}. 
They do not want to explain why I should pay them for a transaction that was cancelled. And I insisted, I never received the money. 

XXXX, my cousin, was told he needed to pay {$15.00} to cancel the transaction. 

I spoke with PayPal representatives at XXXX and they were only interested in collecting the {$76.00} They were not really interested in helping me. And they could not explain why I should pay for a money that I never received. 

I am kindly asking your help solving this issue. 

PayPal should cease and desist to continue sending emails asking me to pay the {$76.00} I would also like CFPB to add this letter to the PayPal 's file for poor business practices. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Convergent outsourcing reporting on my credit report that i owe them. First of all, i never had any contract with them i never signed anything sgreeing to pay them i never received any communication from them at all. You cant drop a name in the hat and just assume especially with a common name like mines. The debt is.not mines and they need to remove it immediately. I have no written signed contract with this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Good morning, After a long relationship with Wells Fargo we have reached the point that we are totally disgusted with the treatment we are receiving. The straw that broke the camels back is a NEW {$30.00} service fee assessed to our checking account from the Wells Fargo Bank at XXXX XXXX XXXX XXXX. XXXX because our balance, for the first time ever, declined below {$25000.00}. We have NEVER received notification, by mail or in person, that this NEW and usurious fee would be assessed. While we plan to deposit funds in our account to bring the balance to {$25000.00}, until we have an opportunity to re-direct monthly pension and Social Security deposit transfers to our other banking relationships, and then close our accounts, we ask for your intervention in obtaining a refund for the {$30.00}. We are hopeful that you will give this important matter your prompt attention. 

Respectfully, XXXX and 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 monetary relief
Consumer complaint received 2020-05-13
Company: EQUIFAX, INC.
State: CA
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:
On XXXX XXXX, someone went online to XXXX, used my login, email, and password to purchase tickets under my name for an event Titled : XXXX XXXX at the Forum in XXXX. I have reported this loan to the company that this was sourced from called XXXX. 
They have not been cooperative and are telling me I am responsible for this loan even though I did not open this loan. They mentioned going to the police department to file a report, which I did and they have not been able to do anything to help my situation. This is identity theft and would like to find out who did this. XXXX states I am responsible for a {$750.00} loan. Please contact me for further information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Square Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was using cash app and someone hacked my account and took XXXX on XX/XX/2020 and also XXXX XX/XX/2020 I emailed cash XX/XX/XXXX and they told me i couldnt do anything unless request a refund, which wouldnt make sense because someone hacked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: LEXISNEXIS
State: MS
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:
For months, i have been asking XXXX  & XXXX  to comply with my disputes. Both companies are reporting a bankruptcy on my credit report. Both Companies have said they verified their information from LEXIS NEXIS. However not only is it an FCRA violation to seek information from third parties companies, Lexis Nexis has already sent a letter to me saying this information was UNVERIABLE and is NO LONGER in their system. However BOTH companies are still saying they verified the information from lexis nexis. 

furthermore, its been months of the same thing, and i have had no choice but to hire an attorney to initiate a law suit against the non complying company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to log on to my Equifax account to view my credit file as I have a credit hold and the phone number information is apparently incorrect on the file. We dropped our home home several years ago. I was asked to provide information from my credit report to verify that I was who I said I was. The problem is I can't get a credit report if they have my online account locked out. So they say I missed a question. I tried again using my experian credit report and was still told I did not answer the questions correctly. After talking to a supervisor my only option was to fax in my information, which with no land line and during a pandemic I am not leaving my home, which has no land line. Or I could mail copies of my passport and drivers license into them which I refuse to do as they are confidential information I will not copy and mail to them. So how can I answer questions from a credit file that they won't let me see .... 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
Company report me late during Covid-19 and did not provide options for relieve in 2020. I was sick and wrote a letter for payment options because i couldnt talk for 3 months with long XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The personal identities of my wife and I, which we had entered on our rental application to the XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, including our names, birth dates and social security numbers and other confidential personal information, have been fraudulently misused by the XXXX. For example, the XXXX secretly took money from my wife 's XXXX bank account. This unauthorized charge was accidently discovered when reviewing another transaction. After conducting a full investigation, the XXXX bank fraud investigators concluded that this was financial fraud, unauthorized charge, theft, etc. and reinstated the full amount that the XXXX had unlawfully taken out of my wife 's bank account. Undeterred, the XXXX has proceeded to report the same fraud amount as late, unpaid charges to the credit agencies against my identity using my personal identity and credit information. Worse, the XXXX collection agency '' FCO, had the gall to call and ask us to send them a " small nominal fee '' in order to make our banking and credit nightmares that they are unlawfully creating against us to disappear.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a XXXX and have been XXXX for 9 years. I currently have my student loans serviced by FedLoan Servicing under the PSLF program and have been paying my student loans since XX/XX/XXXX. FedLoan Servicing refuses to consider 2 payments eligible as qualifying payments because, according to them, " your payments were less than what you were required to pay. '' This has been an ongoing dispute since XXXX XXXX, one month after my loans were initially transferred to FedLoan Servicing. According to the due dates on both billing statements ( {$150.00} due by XXXX/XXXX/XXXX and {$330.00} due by XXXX/XXXX/XXXX ) each payment was, in fact, paid on time and for the amount due. Although I have provided FedLoan Servicing with the billing statements, they continue to tell me that they will not consider the 2 payments as " qualified payments '' towards the PSLF program because the payment amounts received were less than the amounts due. However, according to the billing statements I have attached and provided to you, both payments were received in full prior to the due dates. Even having offered to provide them with the billing statements I was given, they will still not consider both payments eligible towards the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXXXXXX account is still showing derogatory remarks such as late payments. I contacted the credit bureaus for the removal of these late payments.

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 2017-06-12
Company: AES/PHEAA
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: Account status incorrect

Complaint:
My student loans was sold to FedLoan ( unbeknownst t o me ).  I 'm currently in forebearance and will be until  XXXX / XXXX / 17 , howev er, FedLoan h ave started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted  my credit score and have caused unwanted financial issues. FedLoan is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/2022 I bought a plane ticket on XXXX and charged it to my Chase Credit Card ending XXXX. I cancelled the ticket the same day and XXXX issues a refund back to the card. The refund has never shown up, the amount was posted to my card and was never reversed or a refund issued. I have contacted both XXXX and Chase many times but they refuse to help and each claims its the other 's fault. I filed a DOT complaint and XXXX has responded with the following but Chase still refuses to help. I dont know how to resolve between these two companies. Attached is the response from XXXX in response to my DOT complaint. 


XXXX : XXXX - ( XXXX XXXX ) XXXX XXXX PersonalXXXX XXXXXXXX XXXX XXXX XXXX XXXX 1 hour ago ) to me -- -- -- -- -- Forwarded message -- -- -- -- - From : Customer Support XXXX Date : Mon, XX/XX/2022 at XXXX XXXX  Subject : XXXX - ( XXXX XXXX ) XXXX XXXX To XXXX XXXX XXXX XXXX Hi XXXX, Thanks for bearing with us while your note to the Department of Transportation was being reviewed. They have asked us to respond to you directly, and I have taken a thorough look at your concerns as they are very important to us at XXXX. 

XXXX, per our cancellation policy, a refund will only be allowed if the reservation is canceled within 24 hours of initial booking, provided the reservation was made seven ( 7 ) days or more prior to the flights scheduled departure. In your case, I found that you purchased booking XXXX on XX/XX/XXXX and cancelled it online the same day in which the funds of {$590.00} were returned to the XXXX ending in XXXX. At this time, no other refund is due. 

Please note that in cases where a refund is processed the same day as the purchase, the initial credit card authorization will not be processed but show as pending and will not post to the account. As such, the funds will be available in the account in a few days depending on the financial institution. Should this authorization become permanent and actually post to the account, Guests are asked to file a dispute through their financial institution. With that stated, I encourage you to reach out to the bank belonging t the XXXX account for further assistance if you found that the payment was posted to your account. 

If you have any other questions or concerns, please feel free to reach back out to me Im here to help. Otherwise, we hope to welcome you onboard again soon. 


Kind Regards, XXXX DOT XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I feel that I have been making monthly payments and my principal has just been increasing exponentially even though I am making interest payments and they have confirmed some goes to principal. I stopped making payments about XXXX months ago because they automatically kicked me out of a low-income program and said I have to reapply. How am I supposed to save and apply for a home one day if my loans keep growing ... XXXX of them went from XXXX to XXXX. I need help please.

Company response to consumer: Closed with explanation