BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-03
Company: RFNA, LP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was out on short term XXXX due to breaking my arm on XX/XX/XXXX. I had insurance on my account to pay my payments while I was out of work and I gave XXXX XXXX ALL of my doctors forms to get my payment paid. I dont know why my XX/XX/XXXX was Showing late. This is XXXX XXXX  fault not mine. Please help me get this corrected. I have been to the office on XXXX XXXX many times asking about this. They tell me to file a complaint. I HAVE AND I GET A IT STAYS ON YOUR REPORT!!! Every time.. Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: AZ
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 contacted National credit systems on multiple occasions Ive contacted XXXX and XXXX as well I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also sent communications to their email as requested at XXXX XXXX XXXX, XXXX and XXXX. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in Georgia only Illinois and Arizona please investigate this read the police report and remove this from my credit reports. I called law offices at XXXX XXXX XXXX she states it should not be with them but national credit and the process would start over I am trying to purchase a home and this is preventing my loan approval this was not me o an a victim of identity theft also the attorney office stated there is no cfpb complaint on file for national to answer to but I can see in the portal on XX/XX/31 it was sent and they have yet to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: WELLS FARGO & COMPANY
State: WI
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2023-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
These losses were suffered on XX/XX/XXXX and XX/XX/XXXX after being contacted by a person who identified themselves as an officer of the attorney general. He informed me that someone was using my personal information to commit fraudulent federal crimes and I had to liquidate the funds from my bank account prior to my social security number being frozen. 
The fraudulent person swindled and scammed {$6800.00} via pre-paid gift cards that I purchased under extreme mental and emotional stress. He told me that I was being followed and I provided my personal work schedule and other intimate details of my life via text. After not receiving an email with additional steps at the Social Security office, I immediately called the police on XX/XX/XXXX to file a police report. I also called Capital One 's checking and credit card departments to inform them of what happened. The agents I spoke to were able to dispute the charges listed under the disputed charges list as they were from XXXX XXXX and had posted in the system. The remaining fraud claim numbers are for charges made at XXXX which posted a day or two in Capital One 's system. I have provided a 90 page document showing the police report, gift cards with proof of purchase, and have sent rebuttals back informing that the merchant 's policy is no refund on pre-paid gift cards. The police officer I spoke to informed me to call the phone number on the back of the gift cards to see if it's possible to get the money back as a refund. When I called the gift card merchant, they informed the funds were taken the same day. Capital One 's policy states that since I made the transactions myself, they are not considered fraud or disputable and since the merchant won't refund them back the money, they have reversed all provisional credits as debits in all 4 accounts. So I have lost everything and have nothing to show for all funds stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX 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 2018-11-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX/XXXX   XXXX, XXXX  XXXX/XXXX XXXX ( account reported multiple times on my credit report ) XXXX XXXX XXXX XXXX ( account reported multiple times on my credit report ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times on my credit report ), 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 2023-08-11
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Global Recovery Group
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This collection agency told my husband, who is not on the credit card and did not have anything to do with it, all of the information about the credit card and what I owed and threatened him with being involved if I did n't pay. They wo n't tell us who they are, the name of the firm or anything. They leave threatening calls at my home and work. They have called my XXXX year old parents and my daughter in California. They call every fifteen minutes. I have tried repeatedly to call the number they leave when I can get to a place to have privacy ( XXXX ) and I 'm left on hold over and over again for outrageous times. I have the cell phone records to prove I 've been trying to reach them. Last night I was on hold for 3 hours and 37 minutes before I finally went to bed. I do n't know if this is a scam. I do owe for a credit card but without knowing who they are - I 'm not giving them my financial information. Yesterday the man calling my work phone threatened to find me in person if I did not call them. That is why I sat online over 3 hours last night trying to reach them. Please help. I do n't know what to do.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-11
Company: Watertown Credit Bureau Inc
State: SD
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:
XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of watertown now this XXXX thing is now from XXXX -- - origionally did give credit bureau of watertown the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-04
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023, I called MOHELA and submitted a payment in an amount equal to all accrued interest on my loans. I requested that the payment be applied to pay off all accrued interest, and I was told it would be. However, when the payment posted to my account, the payment was applied only to one loan, so the vast majority went to pay off the principal of that loan. 

I called again on XX/XX/2023, requesting that the payment be applied as I initially requested. I was told that it would be. It was not. 

On XX/XX/2023, I submitted a written request through the MOHELA app, requesting that my payment instructions be applied. MOHELA promises to respond to your written request within one to two business days, so I thought this would be a faster way of having my request processed. 

I called again on XX/XX/2023, after no change had been made, requesting that the payment be applied per my instructions. On this call, I was told that the prior agent made an error and did not apply the payment to all six loan sequences. I was told that a new request had been submitted to apply the payment to the interest on all six loan sequences, that the request had been expedited, and I could expect the change to be posted within 5-7 days. 

On XX/XX/2023, I received a response to my XX/XX/2023 written request, stating in full : " Our records indicate that you have already called and spoken to one of our Student Loan Counselors regarding this inquiry on XX/XX/2023. We will assume the inquiry has been handled. '' The inquiry had not been handled, and MOHELA does not offer a method to reply directly to their response. 

On XX/XX/2023, one week my XX/XX/XXXX call, the change has still not been made. I called yet again, and was told by yet another agent that the request was inexplicably marked in their systems as " completed, '' but had not been applied. I was told that another " new request '' would have to be submitted and that it would be applied in 2-3 business days. I asked that the request be applied now. I asked to speak with a supervisor, and after being transferred was placed on a 52 minute hold. 

I am submitting this request because after this much back-and-forth, I can only conclude that MOHELA is deliberately ignoring my payment instructions in an attempt to increase my loan principal by having the remaining interest capitalize when interest resumes on XX/XX/2023. This is a predatory lending practice and completely unfair to student loan borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The XXXX ( XXXX ) is currently assisting the above referenced clients to review a legal matter. Please accept this letter of representation regarding our mutual clients XXXX and XXXX XXXX. 

We are writing this letter in an attempt to resolve a Lender Placed insurance issue that caused my client to become delinquent through no fault of their own. My clients continuously maintained adequate insurance coverage on the above referenced loan, and provided proof of insurance as required on multiple occasions. Despite having had continuous coverage, and providing that proof of insurance, the lender purchased lender placed insurance for my client property. 

Both loan payments were increased to collect for the lender placed premium. This error caused later fee, negative credit reporting, and a mortgage delinquency. 

In order for a thorough review to be completed we request that your office intervene and have the lender provide these documents. We have requested a copy of all lender placed notices, payment history, and escrow analysis for my client loan. The following documents are requested : A copy of all Lender Placed Insurance Policies and Lender Notices issued on both loans. 
A complete payment history for both loans. 
A copy of all system notes related to both loans. 
A copy of each and all escrow analysis completed on both loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I just opened a new account with KeyBank XX/XX/XXXX and deposited a big chunk of money into my account mostly for my savings account. I then rarely used my card only small transactions or paying off bills. 2 weeks into me having my account on XX/XX/23 there was an unauthorized transaction from XXXX for {$100.00}, then XXXX XXXX XXXXXXXX for {$500.00}, {$5.00}, on XX/XX/23. Then another unauthorized transaction on XXXX for {$300.00} on XX/XX/23, and 3 other charges on XX/XX/23 from XXXX for {$100.00}, {$500.00}, and {$1000.00}. This dispute amount was for a total of {$2500.00}. I looked up the merchants for these transactions, XXXX XXXX XXXX are sketchy websites used to buy crypto which are scammers main targets to get away with these types of things. XXXX XXXX is a casino that is far away from where I live. Maybe XXXX miles. I filed a dispute on XX/XX/23 after checking my balance and seeing it was low, I dont check it often because I didnt use it much and I only had the account for two weeks and realized my card was missing the same time I noticed the funds missing. I went to lock my card and when I tried it said " A technical delay is preventing us from locking/unlocking your card, try again later ''. This was there fault for not locking my card and I have proof with time stamps of them not allowing me to lock my card. They took 20 days conviently when they were supposed to give me credits for the dispute to solve the case. They said recent card activity made us realize this was an authorized charge. That was the only reason they gave.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately

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 2019-08-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Our Citibank Cd was renewed at the wrong rate and duration. On XX/XX/19 I called XXXX and spoke with XXXX to renew our Citibank cd at 2.5 % for 12 months which she offered. Mistakenly, it was renewed at 1.5 % for 13 months. I never got confirmation so on XX/XX/19 I called back and spoke with a very rude and incompetent banker named XXXX who would not help me or give me her supervisor 's contact information. I went to our branch and dealt with XXXX XXXX, Citibank XXXX XXXX branch manager ( XXXX ), and she just filed a dispute to investigate, case number XXXX. I tried calling her back to check on case, and no answer, and could not leave a message. So on XX/XX/19 I call the XXXX number back and am told by c/s rep. XXXX our case was cancelled. She says she will escalate it and gives me a new case number XXXX, and tells me to call back in 10 days. I call back on XX/XX/19 and speak with XXXX who is evasive and says it has been resolved, but can't tell me the results due to privacy concerns. She says I will get a letter at the latest by XX/XX/19, but I did not. They are refusing to correct their error. Also, one of their c/s reps told me that there are notes in their system showing I spoke with XXXX on XX/XX/19 regarding our cd. I was within the grace period. 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 2023-04-29
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Letter to Remove Inaccurate Credit Information Attention : Report Team at XXXX, XXXX, XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

Dept of Ed/NelNet I also respectfully request to be provided proof of this alleged item, precisely proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation