BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: FinCo Services Inc DBA Current
State: NY
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:
On XX/XX/2023 my checking account with Current Bank an amount of {$800.00} was taken out by XXXX XXXX. My account was compromised and I reported to current bank who did not investigate as they should and failed to return money that was stolen. I reported it immediately once I came back in town and yet my back still did not investigate and see that this was an invalid charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Account Liquidation Services Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several weeks ago, when I check my credit score from XXXX, I find that ACCOUNT LIQUIDATION SERVICES in XXXX XXXX XXXX XXXX, XXXX, IA XXXX, Phone : ( XXXX ) XXXX claimed that I have an unpaid balance of XXXX $ ( original amount ) which now compounded to XXXX dollars in 2 months. 

First, I am not responsible for the amount. It is reported that there is an return check from me paid to XXXX XXXX XXXX in XX/XX/2022, which later XXXX XXXX XXXX gave the debt to Account Liquidation Service for collection. I never heard of XXXX XXXX XXXX and never had any business with the company. I suspect that my check was paid by the person who stole my checkbook in Iowa, which I already reported to the police and later I also filed a complaint with CFPB about XXXX doing nothing to protect my account and information. 

Second, Account Liquidation Service have never contacted me about the debt ( no phones, no letter and no emails or in-person ), it reported this to XXXX, which hurt my credit score a lot. 

Third, I filed a dispute in XXXX which they carried out an investigation by contacting the Account Liquidation Service in which XXXX said that the Account Liquidation Service said the debt was mine. During the whole process, the collection agent never contact me. 

Four, I try to reach out to Account Liquidation Service via email, but they never reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: CREDIT ACCEPTANCE CORPORATION
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've reached out on multiple occasions and told them to correct the things on my report that's inaccurate dates on credit report XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-07-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a mortgage with Pennymac have been trying to dispute some information that been reported innacurate since 2019, but the company refuse to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am writing to complain about your decision to deny my credit card application for Chase XXXX XXXX XXXX in XX/XX/2022. I feel that your decision is unjust and violates my consumer rights. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to obtain a copy of my credit report and the reasons for any negative action taken against me based on that report. However, I did not receive any such information from you, and therefore, I am unable to fully comprehend the reasons behind your denial. 

Furthermore, the Equal Credit Opportunity Act ( ECOA ) prohibits credit discrimination on the basis of various factors such as race, color, religion, national origin, sex, marital status, age, or because a person receives public assistance. I believe that my application was evaluated unfairly and that my rights under the ECOA may have been violated. 

I request that you reconsider my application and provide me with a detailed explanation of the reasons for your initial decision. I also urge you to ensure that your credit evaluation process is fair and impartial and that your decisions comply with all relevant consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

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 2022-04-28
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/2019 I notified Equifax of the discrepancies stating my accounts were pays as agreed, however still listing as negative info. On XX/XX/19 I received an alert from XXXX XXXX in regards to an inquiry, I then contacted XXXX XXXX who is unable to validate a request came in on my social security number, After reporting this to Equifax, they have lowered my credit score while updating comments that were inaccurately reporting on their behalf to begin with. I seek immediate remedy and resolve in this matter as Equifax & XXXX XXXX who denies any involvement, is in violation of the Fair Credit Reporting Act & Fair Debt Collections Practices Act, 15 USC 1692g Sec.809.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: FL
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:
Nelnet.com is the servicer for my loan. 

This was not the original servicer for my loan, but I was told they now are. 

My information on their website states that I have an account already. 

When I try to retrieve my information the site page associated with that is down. 

I am too busy to sit on their ( XXXX ) customer service line as they have hold times greater than ten minutes during the times I am available to talk. 

I am being told I need to start repaying my load this month ( since required payments were on federal hold until recently ). 

How am I supposed to start paying when my new servicer for my loan doesnt have a functional site for me to find my loans to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXXXXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXXXXXX XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.

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 2020-12-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls.

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XXXX XXXX XXXX/XXXX  DC XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX-XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2022-04-29
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
Be Advised This is my XXXX attempt to fix this issue with Freedom Mortgage. In your correspondence dated XX/XX/22, you stated that you needed 30 days to review this matter. Maybe there is some miscommunication happening. I have given your company responsible amount of time to handle this situation. It is clear that you rather ignore my complaint against you and stall. 
I noticed some late payments posted on my consumer report. 
Freedom Mortgage Account XXXX XXXX Freedom Mortgage is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( XXXX ) XXXX XXXX and the person Freedom Mortgage is making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

Furthermore, under the Truth and Lending Act 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. 

According to TILA a credit card is defined as 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

So, if XXXX is saying a Creditor may not treat a payment on a credit card my line of credit extend ( mortgage ) by means of my drivers license as late then how are you ( Freedom Mortgage ) reporting any late payments, that are being reflected onto my consumer report. 
I demand you delete this from all consumer reporting agencies immediately. 

XXXX XXXX mail Tracking # 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 2023-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Well! Wells Fargo again are practicing criminal behavior like they did years ago when they changed account # s to make it look like they had more business than they actually had so this time they are charging me for insurance when I already have insurance on my home loan they changed my loan servicer to XXXX XXXX because of the complaints I've made against them. I wish they would've changed the ELOC as well. Change it to XXXX XXXX no problem I mean i've never had any problem with them always having homeowners insurance and then now I change my homeowners insurance to go with my automobile insurance XXXX & Wells Fargo is still trying to charge me for an escrow account that is not necessary because I already had and have homeowners insurance through XXXX but they continue to try and make me pay impound account or whatever it's called the escrow account because they're taking this felonious or you know not right insurance out on that ELOC it was ELOC and I still don't know or agree with how they just arbitrarily changed it to a second mortgage but to make it seem that oh I have to pay insurance on it now. No that's not right. I've always had insurance on my house and that is covered and it is with XXXX XXXX and they got a copy of it but yet they're still trying to charge me for an escrow account that I should not be charge for Wells Fargo they are such criminals. They need to be put out of business. This is disgusting. I am a XXXX and a XXXX XXXX. I've never been treated this badly with a financing product. Whatever you wan na call it Wells Fargo R criminals I wish they would've just taken that ELOC as well over to XXXX XXXX. I want to have nothing to do with Wells Fargo and if you could help me be changed from Wells Fargo to XXXX XXXX for my ELOC as well. That is what I would like to do. Thank you. I Should not have to pay them any escrow account when I have my homeowners insurance covering both loans with homeowners insurance through XXXX Wells Fargo are criminals. I do not want to be with them they should be put out of business. They are CRIMINALS & acting w/ criminal & predatory behavior! Pls help! TY

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 2022-11-28
Company: EQUIFAX, INC.
State: GA
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX balance is XXXX I have not purchase anything in XXXX and i made payment XXXX for Bank of America credit card. Since i have promotion offer XXXX $ until XX/XX/XXXX. New Balance is now XXXX $ now,. Now i am see in XXXX statement interst charged XXXX XXXX 

Please help me to resolve this issue. Every month charging and paid total interest 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 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
When the world emerges from this crisis Many, many consumers faces the prospect of missing payments as a unpredicted of income loss during the pandemic COVID-19. Capital One Credit did not offer or work with me to provide accomodations such as payment skip payments, lower monthly payments, lower interest rates, or credit protection. However weeks after on the web page it is stated that they are responding to consumers who are impacted by the crisis and to call the customer service. I called the customer service number and spoke to different ppl and explained how i was impacted and were told there were no accomodations being offered but told i was appreciated being a customer of capital one. Extremely disappointed and frustrated with negative impacts on my credit report. Capital One has failed and made violations of withholding notices, FCRA act, and the CARES Act.

Company response to consumer: Closed with non-monetary relief