BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: AES/PHEAA
State: OH
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 contacted FedLoan Servicing to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because fedloan did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
We have a case pending with USAA and they are going after the identity theft and fraud for a car loan and credit card debt that happened to me XXXX XXXX and my Father XXXX XXXX under the same USAA account USAA had told us that it would be to take enough or credit and taking the care of a year or more ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
CHASE wire transfer of amount XXXX INR ( XXXX USD ) was debited from my account on XX/XX/XXXX as approved by me to be credited to an account in XXXX XXXX XXXX XXXXXXXX ( XXXX ). Since XX/XX/XXXX I have been sending messages to the CHASE Research Wire Department of my communication with XXXX and the confirmation that they did not receive any money in any of their accounts from that amount around the time sent. XXXX requested the XXXX document which I requested from CHASE. When I sent XXXX the document they said it was not an XXXX, but simple a receipt that would not help them trace the money. XXXX suggested that the money was held up in the intermediary bank of CHASE. I asked CHASE to confirm if their intermediary bank in Delaware sent the money. Its been 1 month now and CHASE has since stated that there are not receiving response from XXXX or the intermediary bank of theirs on whether the money was sent to XXXX. I have attached all my communications with XXXX managers via secure messsage chat on CHASE portal for proof that XXXX did not get the money, No one from the CHASE wire department will speak to me directly. I also called the escalation team this week and they called me and say is the wire department was vague and said they have not received any response from anyl of the involved banks. The CHASE Research Wire Department number is XXXX. CASE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting 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:
You have my reports on the companies. Now XXXX won't let me get signed in. My phone has XXXX log in names and passwords for transunion. Its a XXXXXXXX XXXX And I never can get to dispute. They will let you download report. Call center is overwhelmed. You have to pay to get verified to talk to them on social media. And they just keep telling everybody that complains to dm knowing they XXXX XXXX make a XXXX  on what is supposed to be free to all XXXX. I'm a XXXX XXXX with XXXX and I paid XXXX XXXX  for a service to clean my cred for home purchase. It was destroyed again by your biggest predators, XXXX XXXX XXXX XXXX XXXX, with help from experian and XXXX. XXXX had XXXX mistakes. XXXX and experian have XXXX. And XXXX makes it extremely hard to correct. It's why I paid a service. Sorry for all the workload I've placed on ya 'll but I get no results anywhere else. Thanks for helping

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 2021-01-12
Company: RMS-Recovery Management Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX enrolled at Indiana University XX/XX/XXXX left Indiana University for financial reasons and they forgave most of the semester tuition except {$4200.00} I paid it down to {$3600.00} in XXXX and had to stop for financial reasons. 

Was placed with a collection agency Recovery Management Services XXXX XX/XX/XXXX paid {$3600.00} toward the {$3600.00} outstanding obligation to IU but was told I owed another {$1500.00} in collection fees? 

XX/XX/XXXX inquired about the fees and requested a statement from IU and discovered they only paid IU {$2500.00} and not what was owed and have a seperate line item for collection fees of {$460.00}. I inquired with them why they only applied {$2500.00} and not what I had paid and they said it doesn't matter what the statement said, I owe the {$1500.00}. I offered to pay the {$460.00} and they said I would still owe the balance ... i refused help..these collection agencies are criminal

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 2023-11-30
Company: DISCOVER BANK
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover closed out CFPB complaints XXXX and XXXX claiming they are duplicates of CFPB complaint XXXX. Discover claims the account/tradeline is accurate and that it is the CRAs reporting inaccurate information. The payment history for the account has been horridly inaccurate and attempts to have it corrected by Discover and the CRAs has yielded results that continued to show false/misleading/inaccurate information for the account/tradeline. I am an indiidual with a XXXX  XXXX  XXXX. Given the strange payment histories reported for the months leading up to an alleged charge-off I have been unable to understand what exactly happened with this account. I have never been provided with a table that shows the number of days past-due alleged for the months within the XXXX  of 150 days of alleged charge-off, and inspecting my credit reports generating the CRAs has not been of help because the data reported has included months with NO DATA followed by an alleged late payment that is less than the number of days at which Discover charges-off accounts it alleges are seriously delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried contacting LVNV Funding LLC & the original creditor XXXX XXXX XXXX about account XXXX multiple times. The original creditor literally had XXXX XXXX of my information & the debt collector LVNV Funding LLC I have proof my identity was stolen I have police report & affidavit from months prior nobody is trying to help just asking me to make a payment on an account thats not mines. The account has been deleted from my XXXX report as of last week, it was also removed from my XXXX report but re added the next day to closed accounts & unpaid & IT still remains on my XXXX report. This is harmful to my health and a defamation of my character. 



This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC. 





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Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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:
I have attached my report to this complaint. I have disputed this account and inquiries from my report as fraudulent. I have not inquired or obtained credit from these companies.

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 2018-10-08
Company: Experian Information Solutions Inc.
State: NC
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.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-02
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez LLC d/b/a Shellpoint Mortgage Servicing has : 1. performed TWO Annual Escrow account analysis calculations in XXXX XXXX XXXX and XXXX ) resulting in monthly escrow and mortgage payment increases within the same escrow account computation year, well before the completion of the established escrow account computation year occurred. They are in violation of RESPA Escrow Account Regulations, specifically CFPB 1024.17 Escrow accounts. 

2. removed my ability to view any and all, past and present, Escrow Analysis Statements online, beginning in XX/XX/XXXX, immediately following the second Escrow Analysis, claiming they did so because of a Chapter XXXX Bankruptcy that I filed in XX/XX/XXXX. 

3. continued incorrect and sloppy mortgage loan credit reporting that harms and lowers my credit score unnecessarily, as well as the failure and unwillingness to correct the accounting after I supplied valid information and after receiving disputed information from the major credit reporting agencies. This is privately enforceable under the FCRA, as I have already lodged a dispute with the CRAs, thus triggering reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). Section 1681s-2 ( b ) as opposed to 1681s-2 ( a ) is privately enforceable. See NCLCs Fair Credit Reporting 6.10.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of XXXX  I repeatedly attempted to get XXXX to delete my information, provide me a consumer report and the list goes on. I've also asked for online access and to remove a security freeze. They will do nothing. I have attached correspondence from XXXX  up through until today of these attempts with them. I want my report, I want deletion of information due to being a victim of XXXX  XXXX and I want access to my online portal. I keep providing them my id and it goes ignored. XXXX was the contact person who failed to help me. I've even sent them court documents but still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am still missing my Direct deposit from XX/XX/XXXX  my paycheck was sent to my bank account, and I have not received my funds which has caused my rent check to bounce. I am single mother of XXXX and now I have late fees due to unpaid rent and someone is holding my paycheck the payroll department says it is ACH and so does the bank I see the deposit was sent to my bank but apparently my bank has no record of this deposit. I really need help everyone is pointing the finger, but NO ONE will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Professional Credit Service put a hold on my funds in my checking account. I have never received any type of communication from or phone calls to resolve this debt. I have contacted them on XX/XX/2023 and they are now requesting my bank statements from the last three months in order to partially refund the supposed debt that is owed. Tried to set up payment arrangements with them, but they are being difficult to work with, and will not listen to me. I dont feel I should have to send my personal bank statements to a creditor for wrongfully holding my money without the proper paperwork or communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported inaccurately and I request that they be removed from my credit report : XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I have carefully reviewed my credit report and have found that these items are not accurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. 

Furthermore, I would like to draw your attention to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive or harassing tactics when attempting to collect a debt. The collection practices of these companies have caused me undue stress and XXXX. 

I request that these items be removed from my credit report as soon as possible. If the items are not removed within the legally required timeframe, I will be forced to take legal action to ensure that my rights under the FCRA and FDCPA are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-01-01
Company: Experian Information Solutions Inc.
State: MI
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 recently checked my credit reports and the two closed XXXX  XXXX  accounts ending in XXXX and XXXX are still reporting in the payment history.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.The closed XXXX XXXX account ending in XXXX closed on/in XXXX XXXX.Not sure why XXXX XXXX is still reporting on these closed accounts, but it needs to stop.It sounds like XXXX XXXX is still reporting to extend the removal dates.This may have caused current higher interest rates or denial of credit because of the erroneuos 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 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This afternoon ( XX/XX/2023 ) I tried making an online purchase ( through XXXX ) with my prepaid AMEX giftcard, however, it was constantly being declined, so I tested it on another store ( XXXX ) and the same issue was happening. I tried putting my card information through XXXX and XXXX hoping to see a change, but neither worked. 
Through my attempts, my card was constantly deducted XXXX cents each time I attempted to make a purchase that didn't even go through. My intial amount of XXXX dollars became XXXX dollars because of my attempts. I called AMEX customer service which took me hours only to conclude that they have no current solution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XX/XX/2023 I received a money for my business since im a XXXX XXXX XXXX XXXX. I receive a payment of XXXXXXXX XXXX from my customer. They put the account on hold until now. I cant do any movement on my account

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 2021-01-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX  XXXX  dose not allow a beneficiary to be setup unless a SSN # is provided. I wanted to set my beneficiary up to a charity but XXXX  XXXX  said this is not possible when I called. I feel it is borderline illegal for them to limit my account in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting 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 fair credit reporting act Comenity Capital Bank account ending in XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a 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 2023-10-13
Company: FirstPoint Collection Resources
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Open balance
XXXX XXXX
Original creditor

Opened
XXXX XXXX XXXX (XXXX yrs, XXXX  mos)
Account status
Open
Type
--
Responsibility
Individual
Remarks
--
Original creditor name
XXXX XXXX  
THIS DEBT IS NOT MINE AND HAS BEEN ALREADY REMOVED TWICE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hey guys, on XX/XX/XXXX I got deposited sba relief loan in the amount of XXXX. I got accepted from the sba after all the pending process so I have a current contract with sba and the application # XXXX to make certain payments every month and I still dont have my funds. So I received my funds to the account so since my account is on Restriction due to the loan. I showed them proof of my loan agreement and contract details and everything and still nothing. They put it on restriction for quite some time now n they decided not to be in relationship with me anymore n close my account but before they close my account they said they have to send the loan back and it might take some time within weeks or months or so and Im still waiting and they havent sent the funds back to the sba and is like I did everything in my power to sort this all out. I already did a complaint with the cfpb.com and they sent me a letter which is in my other complaint saying they going to send the money back to the sba but they still havent at all what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Trying to collect on account that I have no knowledge of I never done business with this company XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation