BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: Utah System of Higher Education
State: CO
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:
This complaint is regarding UHEAA ( Utah High Education Assistance Authority )  Uheaa Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX UHEAA, serviced my student loan from XX/XX/XXXX until I paid the loan off early in XX/XX/XXXX. I never paid them late. 

In early XX/XX/XXXX after more than 30 days since I had paid off my student loan in full, UHEAA was still reporting to XXXX, XXXX  and XXXX  that is was an open trade line on my credit report, with a balance. I contacted UHEAA on XX/XX/XXXX and was told to call back in another 90 to 180 days if it still shows an open account. 

I then chose on XX/XX/XXXX to dispute the account with XXXX, XXXX  and XXXX  even providing them the copy of the letter from UHEAA ( XX/XX/XXXX )  stating my loan was paid and closed. 

On XXXX XXXX XXXX I was notified thru my credit monitoring service that the UHEAA account status changed on both my XXXX  and XXXX  credit reports. 

It now showed the account was marked as " closed '' but still had a balance of {$2000.00}, that it was 300 month revolving loan, that it was opened in XX/XX/XXXX, and most upsetting it shows there was a late payment of 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX. 

FIRST AND FOREMOST I NEVER, NOT ONCE EVER PAID THIS LOAN LATE. I HAD AN XXXX CREDIT SCORE AND WAS IN THE PROCESS OF BUYING A HOUSE. 

FURTHERMORE EVERY ACCOUNT DETAIL LISTED ON THE UHEAA TRADE LINE ON MY CREDIT REPORTS ARE INCORRECT AS FOLLOWS ; 1. ACCOUNT SHOWS BALANCE, WHEN IN FACT MY ACCOUNT IS CLOSED AND WAS PAID OFF.

2. ACCOUNT SHOWS AS 300 MONTH LOAN, HOWEVER THIS WAS A 120 MONTH LOAN 3. ACCOUNT SHOWS I WAS LATE 60 DAYS XX/XX/XXXX AND 90 DAYS XX/XX/XXXX. I WAS LATE NEITHER OF THOSE MONTHS. INTERESTINGLY ENOUGH UHEAA DID NOT EVEN SERVICE THIS LOAN UNTIL XX/XX/XXXX WHEN THEN BOUGHT OUT XXXX XXXX LOANS. ( I HAVE ALSO CONFIRMED WITH ACS THAT ANY PAYMENT TO THEM WE MADE ON TIME ) ** IN REGARDS TO THE UHEAA TRADE LINE ON MY CREDIT REPORT, PRIOR TO MY PAYING OFF THE LOAN IT NEVER HAD INCORRECT INFO LISTED. THE BALANCE, TERMS, AMOUNT AND EVERYTHING WAS CORRECT. 

XXXX THE INITAL DISPUTE WAS BECAUSE UHEAA FAILED TO UPDATE THE ACCOUNT AND MARK AS PAID AND CLOSED UPON ME PAYING IT OFF **** RATHER THAN CORRECTING IT, THE CHOSE TO FALSELY ADD 2 LATE  PAYMENT THAT DID NOT HAPPEN. 

I have contacted Uhea several times via telephone. each representative has told me they system shows it paid closed, at a XXXX  balance and no late payment were ever made. 

XXXX  has initiated another dispute, but has indicated they can not correct the issues since the issues is coming from what Uheaa is reporting. 

XXXX  shows the same information as XXXX  does, however XXXX  does not. XXXX  is showing correctly with not late payment for UHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX has failed to send me a 1099-C pertaining to the account associated with the attached document included in this dispute. XXXXXXXX XXXX is also in violation of the IRS code for reporting charged off debt. Please see IRS reference information below : Instructions for Forms 1099-A and 1099-C ( XXXX XXXX Acquisition or Abandonment of Secured Property and Cancellation of Debt Section references are to the Internal Revenue Code unless otherwise noted. Who Must File File Form 1099-C if you are any of the following. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ). A credit union. Any of the following, its successor, or subunit of one of the following. Federal Deposit Insurance Corporation. National Credit Union Administration. Any other federal executive agency, including government corporations. Any military department. U.S. Postal Service. Postal Rate Commission. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency. A federal government agency including : A department, An agency, A court or court administrative office, or An instrumentality in the judicial or legislative branch of the government. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). The lending of money is a significant trade or business if money is lent on a regular and continuing basis. Regulations section 1.6050P-2 ( b ) lists three XXXX XXXX under which reporting may not be required for the current year. XXXX XXXXXXXX XXXX rules next.

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 2018-02-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My car was declared a total loss and XXXX paid off most of the balance but left {$900.00} balance owing. I purchased GAP Insurance from this lender when I bought the car to cover in case something like this happened. They refused for 3 months to file the GAP claim and waited until {$2000.00} in fees and interest had accrued to file the claim. By this time they filed the claim only after I threatened to file a claim with the AZ Attorney General Office. The GAP coverage only covered the original balance and not all of the interest and penalties that has accrued. They immediately filed a claim in small claims court for the balance which I paid within 10 days. This company has poor business practices and are selling GAP policies that they have no intention of using and driving up interest and penalties to get more money out of their clients. They should not be allowed to do business and take advantage of people like this. They have now placed my account as a charge-off on my credit report and refuse to take it off. Please help me get this taken off.

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 2020-01-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On or about XX/XX/2019 I submitted an application to Toyota Motor Credit to take over the lease of my cousins car. She had a XXXX and could XXXX  XXXX  XXXX. I was doing her family a big favor. My credit history, per all three bureaus is outstandingXXXX score. 
By the beginning of XXXX when I had not heard from them I started calling. I called repeatedly, dozens of times and could get no response. 
A letter was finally sent to me dated XXXX XXXX and first received in XXXX stating I was rejected for credit. 
The only explanation was - Income insufficient for amount and term of credit requested. 
This is not true. The amount was {$320.00} for 16 months, and well within what I could afford. ( per all the Credit bureaus ) I have been attempting since XXXX to get a more detailed reason for the denial. All I hear is " We are looking into this '' I believe per regulations at the least they have to tell me which credit bureau they used and the credit score they used. 
My credit history is unblemished and this is totally unfair. 
The customer service Resolution department has to communicate with their customers fairly and within a reasonable time frame. 
Stonewalling customers is I suspect totally out of compliance with regulations. 
I am entitled know the facts why I was rejected. 
I have moved from the address on the application Former address- XXXX XXXX  XXXX XXXX, XXXX, XXXX  NY XXXX New address - XXXX XXXX XXXX, XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE 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 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 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

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 2023-04-24
Company: EQUIFAX, 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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We experienced a natural disaster on XXXX XXXX XXXX and have had many difficulties from New American Funding. Our insurance company was very pleasant to work with but New American is not being easy to work with on getting our home back into order. We still continue to have a hole in our roof and it's XXXX XXXX XXXX. The lack of urgency and care is so inhumane. We are at a loss with them and have exhausted all resources.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got catfished by someone who convinced me to fraudulently wire transfer money first to XXXX where I bought XXXX, and then to XXXX where it was confiscated. See the attached for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: KGW CORPORATION
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed a complaint with Consumer Financial Protection Bureau on XXXX XXXX XXXX XXXX this company did not reply to my complaint instead they sold thus account to West Coast Realty Services. XXXX XXXX sent me a letter on XX/XX/2020 informing me this account had been assigned to West Coast Realty Services. I have not received any communications from this company and they have not returned any of call.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
A credit of nearly {$200.00} exists on my credit card. Consequently a refund has been requested. XXXX id # XXXX was asked to send the refund to the same address, the only address, they have on file which is the address where they send my billing statement. The employee refused to send my refund although she had my account available with my address in plain view. 
Verbalizing my address in public is unreasonable especially when the employee has it in plain view. 
I was told that Capital One would not send me my money. 
This seems to be an excuse to hold onto money that doesnt belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Information belongs to someone else

Complaint:
I submitted a letter to XXXX, XXXX, and TransUnion Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 

XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2020-03-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent debt validation letters to this company In reference to debt they say I owe. The company has ignored my letters and have yet to validate the debt. Theyve also reported this account twice on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Sometimes take money out 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 2023-03-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
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, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I contacted PennyMac to request a forbearance plan. This was requested due to a reduction of income due to Covid-19. Additionally, while I was on the forbearance plan I was consistently told that there would be no credit reporting. In XXXX of XXXX my loan was submitted for a streamlined modification and this modification was approved. Again, I was told that this modification would not impact my credit and that there would be no credit reporting. 

However, on XX/XX/XXXX I realized that PennyMac had submitted a 120 day late notice to the credit bureaus. I have called several times since XX/XX/XXXX and was told that this should not have been reported to the credit bureaus and that it would be removed. I was promised a call back with 48 business hours but never received one. 

Today, on XX/XX/XXXX, I called PennyMac and was told that they would not remove the credit reporting because my modification was not setup as a Covid-19 modification. I believe this is an error as my loan should have been setup as Covid-19 forbearance/modification. Also, for the entire time I was in forbearance, I was told that no late payments would be reported to credit bureaus. 

I believe PennyMac needs to correct this because ( XXXX ) they did not setup my loan correctly as a Covid-19 forbearance plan and ( 2 ) they consistently told me that no credit reporting would happen during many of the calls I've had with them since XX/XX/XXXX. 

Sincerely and appreciatively, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally complain about the reporting of late accounts on my credit report, which I believe are inaccurately reflecting my credit history. I have thoroughly reviewed my credit report from your agency and have identified instances of late reporting that I believe require immediate attention and rectification. I have outlined the details of the disputed late accounts along with an explanation of the inaccuracies, the late payment reported on the aforementioned accounts are not accurate. I have maintained a history of timely payments according to the terms and conditions of my agreement with the creditor. I have enclosed supporting documentation, including payment receipts and bank statements, that verify my consistent and on-time payments. I request that you conduct a thorough investigation into this matter and rectify the inaccuracies promptly in accordance with the Fair Credit Reporting Act. I am seeking the correction of the late payment status associated with the mentioned account. I understand that, as mandated by law, you are required to investigate and respond to disputes within 30 days. I anticipate your prompt resolution of this issue and request that you provide me with a written confirmation of the correction once the investigation is complete. In addition, I kindly request an updated copy of my credit report reflecting the accurate and corrected information. Your assistance in this matter is essential to ensuring the accuracy of my credit history. These are the accounts that needs to be correct by the Credit Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-15
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Being over charaged for overdraft fees/and or NSF check fees on several occasions.

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 2022-08-10
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
My account statement sent on XXXX said I did not owe any amount for the payment due date XXXX. My account is also setup to automatically debit any amount due on the XXXX of every month via American Express systems and Amex initiates the payment when due. No auto payment was taken out on XXXX. My next account statement on XXXX said my account was passed due since there was no payment. This is in contrast to the previous statement saying " no payment due ''. I was also charged interest and fees due to the account balance. I pay the total amount due each month to avoid interest charges. I want the interest and late fee charges removed. I talked to American Express for 3 hours on XXXX to resolve the matter but they were no help ( phone log attached ). They admitted the statement for XXXX said no payment was due on XXXX but claim a payment processing error led to an amount being due after they sent the XXXX statement. A notice of this amount due was never sent to me in any written form.

Company response to consumer: Closed with explanation