BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: MD
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:
I have loans with NJClass, a lender based in NJ that financed the bulk of my undergraduate student loans. After completing graduate school this XXXX, I had to ask them to defer my monthly payments that were to start right after graduation until I found a job. The only option NJClass offers is interest only quarterly payments. I was not told how frequent these payments needed to be made, they told me they could not give me an estimate regarding the amount to be paid, anything. On XXXX XXXX, I received a letter asking for $ XXXX to be paid in under a week. I called them stating it was unreasonable to give me such short notice and they explained I had no options but to pay or default. My father was able to work out an extension with them after hours on the phone. Today I called NJClass to tell them I needed to change my address. I also told them I had a statement I received a month ago saying my monthly payments would start in XXXX and wanted to confirm that that was due XXXX XXXX. The representative confirmed but then added I had another interst only payment due XXXX XXXX. I informed her I have yet to receive a bill and asked why I had a bill for something due XXXX XXXX, but not for something due at the end of the current month. She could n't answer. Next I asked her how much this payment due at the XXXX would be. She said she was n't sure. I asked if I could talk to someone with more definite answers and she said there was no one. I said goodbye and called back to try to get someone else on the phone. The person from the beginning of the call was very defensive and rude and could n't seem to understand anything I was saying. I explained the situation about the interest payment and she said told me it was indeed due on the XXXX and she was n't sure why a bill had n't been sent. I asked her what the amount would be. She said it would be $ XXXX. I explained that it is XXXX XXXX, and if they are so firm about it being due on the XXXX, why was a statement never sent. She said a bill would be sent to me now and that the number was firm. There is no way I can pay this on such short notice. PLEASE look into NJClass. They offer no rehabilitation for defaulted borrowers, no repayment plans for those still trying to find work, and do not send adequate communication. I ca n't possibly continue to pay on time if I never even receive the statements or any notice. Their online system currently tells me XXXX different numbers that I may or may not have to pay. It does n't break down my payments and loans. It does n't show how interest is being calculated and does n't even say that a payment is due. PLEASE help. I am not alone in this. It is a dire shame that NJClass is allowed to get away with what they do when I know your agency has looked into other lenders in the past with far more forgivable practices towards its borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Lendmark Financial Services
State: AZ
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 applied for a loan on XXXX XXXX to see what my options were without affecting my credit. I was suggested a company called Lendmark financial while on the phone with them I was just inquiring about a loan and did not want my credit pulled. I looked up companies that did soft pulls without applying for a loan and they were one of the companies that came up. After speaking to the representative they told me I could see how much I could get approved for without a hard credit pull, because I was very specific I did not want a hard credit pull. I hung up from the representative and after discussing with my wife I did not want the hard inquiry on my credit report. About 30 minutes later the representative had called me and told me my credit had already been pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2019, I made a withdrawal of {$2000.00} from my XXXX XXXX  Account to my Chase Business Account in the form of a teller 's check. I have copies of the statements along with a copy of the teller 's check. Approximately 10 days later Chase closed my business account. The money from the teller 's check was never sent after the account closed. I first attempted to get my money on XX/XX/XXXX when I called Chase at XXXX. At that time they told me a check should arrive within a week. The following week on XX/XX/XXXX at XXXX I called Chase to confirm that I was receiving a check. The lady on the phone informed me that the check needed to be verified. At that time she said to go to XXXX XXXX  and confirm that the check payment was sent over. I scheduled an appointment with XXXX Bank and on XX/XX/XXXX I went to the XXXX XXXX  Branch at XXXX XXXX XXXX to check the status. After a half an hour they confirmed the funds were moved to chase bank on XX/XX/XXXX. ( Deposit amount was listed on the Chase statement in the documents ) With this information I went over to Chase Bank at XXXX XXXX XXXX. At that branch they said their systems were unable to verify the check despite me having a phone number for them to call and verify. They asked me to try again the following day XX/XX/XXXX with the same results. They finally stated they will try to verify on Friday and that if I did not hear from them by the weekend than that would indicate they were unable to solve the issue. If you need the call logs I am happy to submit them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are creditors on my credit report that I do not recognize. I am disputing them for a full removal. I am not a credit repair company, and since I am sending you my personal documents, I can assure you I am who I say I am. Please remove the listed items off of my credit report as it is hindering me from buying a house. Thanks.

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 2020-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I used to have BankAmericard back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask Bank of America to help me in my hard situation. Account number was. : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Couch Conville & Blitt LLC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I tried to contact my creditor due to having incorrect information. All my letters were returned as undelivered. I contacted Transunion and provided documentation of the undeliverable mail to them which they signed for  XXXX / XXXX / 17 . I asked transunion to remove these accounts due to the creditor furnishing incorrect information. The account address were changed and some of the account numbers changed as per my  XXXX / XXXX /   17  report I pulled from my transunion account. I contacted transunion that day and spoke with the special claims department. They said they received my documentation but would not change my report. I received a copy of my updated report dated  XXXX / XXXX /   17  from transunion due to my phone call and all of the old incorrect information is back on my credit report.

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 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$6700.00}

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 2022-12-19
Company: Experian Information Solutions Inc.
State: IL
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: Other problem getting your report or credit score

Complaint:
I have contacted all three bureaus in regards to inaccuracies on my report. They've had me listed as deceased twice and mixed my file with others. I am attempting to purchase a home and continue to hear there's no score listed for me. However when I go onto the individual sites I have scores. I'm beginning to feel as if I'm being discriminated against.

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 2019-12-04
Company: Strategic Alliances, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All communication to and from the debt collector have been attached. I intitially received a letter from FIRST FINANCIAL ASSET MGMT, INC on XX/XX/2019 on an alleged debt that I owe for the amount of {$3000.00}. In response I sent a debt validation letter via certified mail on XX/XX/XXXX and the company received on XXXX XXXX company didn't respond until XX/XX/XXXX with a letter that included repair estimates for a car, nothing in the letter validates my legal obligation that I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Pickett Law, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After paying all the back charges of XXXX XXXX Benefits Fees to XXXX XXXX, XXXX in XX/XX/XXXX, a satisfaction letter was received from Pickett Law , LLC in XX/XX/XXXX after I filed a motion to the court to mark the judgment satisfied. A new annual amount of {$750.00} was due XX/XX/XXXX. XXXX XXXX, XXXX sent an overdue letter on XX/XX/XXXX with late payment charges of {$75.00} each for not paying on time in XX/XX/XXXX and then XX/XX/XXXX. Therefore, XXXX XXXX, XXXX recorded the new amount on their dated XX/XX/XXXX ( received XX/XX/XXXX ) was {$900.00}. No where on that letter indicated that my new annual amount would be turned over to a debt collector if not paid before XX/XX/XXXX. On the letter, XXXX XXXX, XXXX instructed me to pay them directly. On XX/XX/XXXX, The debt collector, Pickett Law , LLC left a letter on the door of my home address on XX/XX/XXXX threatening to place a lien on my property for incorrect dates of XX/XX/XXXX - XX/XX/XXXX ( remember the new annual isn't due til XX/XX/XXXX for the new year of XXXX ). Also, Pickett Law , LLC added attorney fees and fee for the letter placed on my door. When I emailed Pickett Law , LLC and cc 'd XXXX XXXX, XXXX contesting these additional charges, Pickett Law , LLC states a " certified letter '' was sent by process server. This is not factual. I said I plan to pay {$900.00} on XX/XX/XXXX because I do not believe I should have to pay these additional fees 9 days after an overdue letter on XX/XX/XXXX. Pickett Law , LLC claims debt collection will continue until they get the full amount. XX/XX/XXXX, I paid {$900.00} directly to XXXX XXXX, XXXX as instructed by XXXX XXXX, XXXX. Can you help me? Pickett Law , LLC has overcharged me in the past and has taken advantage of my illness to not being able to come to court. I don't want it to happen again. For example, they sued me for XXXX in court but collected over {$4000.00} from me. This company never update the courts with any of my payments until I took action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: SUNRISE CREDIT SERVICES, INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is regarding Sunrise collection who I understand must have bought a previous inaccurate collection from another company, XXXX XXXX XXXX, probably the month prior prior. They were representing XXXX who claimed I owed them {$590.00}, which I did not ( and in reality, they owed me money for repeatedly withdrawing autopay payments for services they did not provide me- I had switched to XXXX several months prior and only XXXX was providing service and XXXX had been notified by them and me that I was switching plans ). I had gotten XXXX to take off this inaccurate report in XXXX but then Sunrise popped up with it in XX/XX/22. I filed a dispute with XXXX and am still waiting. No one from Sunrise had reached out to me. I am suppose to purchase a home on XX/XX/22 and this wrong report has brought my credit down substantially and will result in paying a much higher mortgage rate if this is not resolved asap. Thank you for your help.

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 2022-09-12
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
WELLS FARGO BANK , N.A . SENT AND ADVERSE LETTER DISCRIMINATING AGAINST MY CREDIT AND DENYING ME AN EXTENSION OF MY OWN CREDIT. VIOLATED MY RIGHTS UNDER 15 USC 1691 ( a ) AND GIVING ME FALSE AND MISLEADING INFORMATION.

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 2022-05-06
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX opened a FHA mortgage loan using my identity information on XX/XX/XXXX for an amount of {$180000.00} without my authorization. It then concealed the loan information for six years and started using the loan account when it took over the mortgage servicing right from our last mortgage lender and servicer XXXX  XXXX XXXX, XXXX in XXXX. XXXX lowered the loan balance of it's fraudulent loan account to {$160000.00} to match the balance of it's assigned Deed of Trust. 
In XXXX XXXX maintained one Deed of Trust and in XXXX XXXX created two Deeds of Trust in response to FHA Hamp loan modification program. However, all three Deeds of Trust were created to secure the loan balance of the fraudulent mortgage loan account that XXXX opened on XX/XX/XXXX. 
I found the mortgage loan open date for the first time on XXXX of XXXX. I filed an affidavit of identity theft with FTC on XXXX. I also reported the matter of identity theft to XXXX and mailed it the paperwork it asked me on XX/XX/XXXX. I sought debt validation pursuant to FCRA identity theft regulation. However, XXXX did not do any investigation or provide me any response to my debt validation mail. XXXX on XX/XX/XXXX closed the disputed mortgage loan account but continued all kind of collection activities since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX   XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined

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 2017-01-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am writing this complaint because I have exhausted all my viable options to resolve this issue with Chase and XXXX. I am currently in a bitter dispute with Chase Bank and XXXX. This whole situation started in early XXXX XXXX when I discovered that a company by the name XXXX XXXX XXXX XXXX was charging a monthly subscription fee to my debit card. I placed a call to my Bank ( Chase ) late XXXX XXXX to alert them of the suspicious charges. Chase immediately reversed the charges and refunded me my money. I thought the issue was resolved until I noticed that on XXXX/XXXX/XXXX, Chase had put the charges back on my account. When I contacted Chase about why they put the charges back on my account they said that after investigating the matter they found to the charges to be legitimate. How Chase could reach this conclusion after their investigation I will never know. After being disappointed by Chase I decided to contact XXXX directly to reason with them but they did n't seem to care if the charges were fraudulent or not. Even after explaining to them that I had never heard of them let alone purchase anything from them, they still refused to refund the money because of their refund policy which I would understand if the purchases were in fact made by me. I never once received an email confirmation from XXXX for the allege orders. Had I received an email or letter from XXXX informing me that a purchase had been made then I would have contacted them immediate to let them know that this purchase was not made by me. In my opinion that it was negligent on their part. To make matters even worst, I never even received the package they claimed I ordered but said it was delivers I was finally emailed an order confirmation on XXXX/XXXX/XXXX for an order they claim was made in my name on XXXX/XXXX/XXXX XXXX. I have attached a screenshot of the invoice to show you that my address was misspelled ( It 's " XXXX XXXX XXXX '' NOT " XXXX XXXX '' ). I have search my email up and down and I do not have XXXX email from XXXX which is very suspicious because anytime a person purchases anything online more emails are certain to follow informing a customer on more products they can buy. I wanted to resolve this situation amicably but Chase and XXXX are refusing to refund my money. I feel like both companies ( Chase and XXXX ) teamed up against me in the investigation which I was not a part of and decided that I was the XXXX that should take the loss. These charges are fraudulent and there is nothing I can do to convince both parties. I loss a total of {$160.00}. I want XXXX XXXX XXXX XXXX to prove that I made the purchases, all they could provide me with was an IP Address they claim they order came from. I am only XXXX person so as much as I would like to hire a lawyer to get a court order so that XXXX could look into the IP address, I ca n't because I do not have the resources to launch a full investigation into the IP address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan servicing was transferred from XXXX to Carrington Mortgage on XX/XX/XXXX. Loan was boarded into Carrington Loan Servicing on XX/XX/XXXX - I setup an ACH for scheduled monthly mortgage payments, effective XX/XX/XXXX. I also made an online payment with Carrington for the XXXX payment also on XX/XX/XXXX. We have now received two Late Payment Notices from Carrington. Yesterday, my wife called Carrington to get the matter straightened out. They confirmed that I had provided the correct account number and routing number but claimed I did have enough money in my checking account to cover the cost of my mortgage payment. In fact, I have ten times the amount of my mortgage payment in my checking account. So not only are the 100 % wrong in their facts, but I shouldn't even be getting late notices to begin with as I am within the 60-day window from servicing transfer.

Company response to consumer: Closed with explanation