BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Future Judgement Solutions
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FJS Global in XXXX, Wy has contacted several time about a debt they say was turned over to their company from XXXX card services. I contacted XXXX card services myself. They stated that theyve never had or have now an account ( charged off or active ) in my name. Theres nothing on my credit report showing that debt. Ive spoke with FJS Global and requested information on the debt but they continue to harass me to pay the debt which is over {$3000.00}. Ive also written a letter and mailed it to the address on the website and have yet to receive a response. I have never received any written notification by mail for the debt. The phone numbers theyve contacted me from are as follows : XXXX, XXXX, XXXX and XXXX. How do get the information on the debt and how to I get them to stop harassing me? Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: BBVA FINANCIAL CORPORATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Elderly Father XXXX passes away XX/XX/2018, leaves behind XXXX year old widow in XXXX County Wisconsin. Leaves XXXX daughters and XXXX son, has a revocable will by attorney 's office. 
The will is general in that the widow should receive everything. The day father dies the son flies in from Arizona and goes to the safe deposit box and withdraws {$140000.00} .00 cash - wife of son works for BBVA Compass in XXXX, AZ helping to transfer funds into various accounts. Son then comes into town to force XXXX year old widow mother to sign truck title - he sells to attorney and never brings widow money from the sale. Son forces mother to sign over check of {$12000.00} to be deposited into a different bank for his personal use. Son loses his license in Wisconsin and in Arizona for financial advising and real estate. He also loses his job at XXXX XXXX XXXX XXXX XXXX in AZ. To our knowledge he is also pocketing fees for transactions regardless of having a license to do so. It is our belief that the son and his wife ( girlfriend ) are transferring moneys to many accounts as they have taken it from the mother and have access and knowledge of the banking and financial world. There is also a retirement account in excess of {$60000.00} dollars that we fear they will access without the widow 's knowledge and consent. We believe this violates this elderly widow 's rights and is elderly financial abuse. We also believe he will change locks on condo residence and he is bragging he is selling it. He has also tapped into the XXXX retirement account of the deceased father. This is all so overwhelming for this elderly XXXX year old widow/mother. XXXX XXXX ( Wisconsin ) credit  card owned by deceased father and live widow mother was used after death by the son from AZ for personal use and his family. He also changed address of credit card to his in AZ.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: FORD MOTOR CREDIT CO.
State: NJ
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 filed for Bankruptcy Protection on   XXXX   XXXX   XXXX   and also filed a Reaffirmation of Debt with Ford Motor Credit. During the Bankruptcy Period, Ford Motor Credit was Prohibited from collecting auto payments in lieu of my reaffirmation, enforced by   XXXX   XXXX   XXXX   XXXX  , that I would not include my car as part of the bankruptcy case. I held up my terms of the reaffirmation of debt agreement and was discharged from Bankruptcy protection on   XXXX   XXXX   XXXX  .

Therefore for:   XXXX   XXXX     XXXX   XXXX  
  XXXX   XXXX  
  XXXX   XXXX  
my account payments should either be in good standing or Not reported. However, Ford Motor Credit refuses to update my account and all   XXXX   credit bureaus refuse to correct my credit report. 
It shows:   XXXX   XXXX  : 30 days late   XXXX   XXXX  :  OK, which is odd because I did not make a payment and in   XXXX   XXXX   I was apparently 30 days late
  XXXX   XXXX  :    30 Days late
  XXXX   XXXX  :  Back to OK, even though I did not make a payment and was apparently 30 Days late in   XXXX   XXXX  .

This results in my credit score being lowered and I have been turned down for credit on numerous occasions, citing information in my credit report from all  XXXX  credit bureaus.

In particular, I was turned down for an important car loan from my own   XXXX   XXXX   XXXX   XXXX  , due to my payment history with Ford Motor Credit. 

Please help correct my Ford Motor Credit Account with all  XXXX  bureaus.
FORD MOTOR CREDIT   XXXX    XXXX   XXXX  
 XXXX , NE  XXXX 
  XXXX   XXXX  
Date Opened:	 XX/XX/XXXX 
Responsibility:	Individual Account
Account Type:	Installment Account
Loan Type:	AUTOMOBILE
Balance:	  XXXX   Date Updated: XX/XX/XXXX 
Payment Received: XXXX 
Last Payment Made:	 XX/XX/XXXX 
High Balance: XXXX 
Pay Status:	Current; Paid or Paying as Agreed
Terms: XXXX  per month, paid Monthly for 72 months
Date Closed: XX/XX/XXXX 
>Maximum Delinquency of 30 days in  XX/XX/XXXX  and in   XXXX  <
Remarks: REAFFIRMATION OF DEBT; DISP INVG COMP-RPT BY GRNTR; CLOSED

 
 XX/XX/XXXX    XXXX     XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX    XXXX     XXXX     XXXX     XXXX  
Rating
OK
OK
OK
OK
OK
30
30
OK
OK
OK   XXXX  
 XX/XX/XXXX 
  XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX 
  XXXX    XX/XX/XXXX    XXXX     XXXX  
Rating
OK
OK
OK
OK
30
OK
30
OK
OK
OK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09
Company: GREAT LAKES
State: MI
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:
1. Wh en I make a payment it takes several days for it to process.    2.  By the time it processes, several days of interest have accumulated against the balance the loan was at before the payment was supposed to have posted.    3. G reat Lakes claims to apply my payments to the highest interest earning loan, however, behind the scenes they apply my loans evenly to different tokens, distributing the payment between subsidized and unsubsidized loans. Now, I am enrolled in school part time and eligible for deferment. Had they applied my automatic payments to my unsubsidized loans they would have been gone, now they will accrue interest while I am in school.    4.  We are allowed to allocate extra payments how we like but we are not allowed to allocate automatic payments. We have to use automatic payments to save the quarter percent in interest but in doing so we cost ourselves money by giving up the right to allocate to unsubsidized loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Exeter Finance Corp.
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft EXETER FIN Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
A check from me dated XX/XX/XXXX was sent to XXXX by the Bill Pay function of Bank America checking. That physical check was stolen out of XXXX 's mailbox. This check was endorsed clearly incorrectly, yet it was cashed by a check cashing company and then honored by Bank of America. 

I have made numerous, well-documented, attempts to have Bank of America XXXX this matter. They say their people have worked on it. Their last communication to me about this was " As of XX/XX/XXXX, the XXXX XXXX XXXXXXXX XXXX responded that their research is still pending. Any additional updates on the recovery of the payment will communicated here in your Bill Pay correspondence. We appreciate your patience in this matter. " I called Bank of America today, XX/XX/XXXX to make further efforts to resolve this. They say that because the XXXX  XXXX XXXX XXXX has not gotten back with them, there is nothing further that they can do. They did not offer to check on the status of the claim with XXXX  XXXX XXXX XXXX. ( I asked them to but they say this is now pending. ) It is my contention that Bank of America failed to detect clearly fraudulent endorsement. ( The name is not even completely spelled out ). It has been 11 months now since the check was written. My phone calls keep getting passed from person to person at Bank of America and no one takes any initiative to see what the hold up is in getting this matter resolved.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: CO
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 pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of XXXX With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. Then I sent a letter in XX/XX/2022 to EXPERIAN to investigate the account because EXPERIAN is still reporting it as a charge-off in the payment status. There has been no update, no investigation and this error is harming my ability to finance a home. The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to EXPERIAN. A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.

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 2023-10-16
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I am writing to request the forgiveness of my student loans, totaling {$57000.00}, which I acquired while attending the now-closed XXXX XXXX XXXX My request is based on the grounds of school closure, the ineligibility of my transferred credits, and the disruption this has caused in my education and financial stability. 

I enrolled at the XXXX XXXX with the sincere belief that it would provide me with a quality education and open doors to a promising career. However, due to financial difficulties and the school 's subsequent closure, I found myself in a situation where I had to transfer to another institution. Unfortunately, my credits did not transfer, and was required to repeat another year of study to complete my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Had made reservation with  XXXX  for the amount {$700.00} on    X/XX/2017 .   Cancelled the reservation with  XXXX  withi n 24 hours  for the full refund as per their policy.     Did not receive refund from  XXXX  for this cancelled reservation.     Raised a dispute with  Citi bank who issued provision credit. Was sent a letter by CITI to provide details of dis pute which I did as per their request to complete in 30 days.     However on   XX/XX/XXXX   citi closed the investigation saying that they had not received the form form.     This is totally incorrect as the form was mailed t o Citi at their address CITIBANK  CUSTOMER SERVICE   XXXX   XXXX   XXXX   XXXX   XXXX   SD  XXXX .     I also have the copy of the form whcih i can provide in case they have not received.     I would like to have this dispute researched. The dispute id is  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 2017-05-09
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have  had an American Express cr edit card for a while ( sin ce  XX/XX/XXXX  ). I  have  XXXX  types of accounts with AmEX.  XXXX  that is paid in full at the end of the cycle and  XXXX  that is a revolving account that they call, " Pay  Over Time. ''  On occasion, AmEX will ask for a payment prior to the due date because they feel you may be exceeding an algorithm limit. In the past, I have paid this amount and payment has been credited to the amount paid-in-full ( not the revolving account ).     On   XX/XX/XXXX , A  mEX requested I pay {$2600.00} as I had reached some limit. I paid the requ ested amount. At the end of the month when my pay-in-full was due, the amount AmEX said I owed them differed from the tallied amount. I call many time  (   > 4  times  )  to try to find out what the problem was, and, each time I was passed to a minimum o f four ( yes, 4 ) ag ents who could not help me. I called the last week in   XX/XX/XXXX  to find see if I c ould get to the bottom of the problem and found out AmEX credited the {$2600.00} payment to the " Pa y Over Time ''  account. This had never happened before. They refused to move the payment over to the pay-in-full account and expect me to fork over this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CarMax, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CARMAX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen about a year and a half ago. This case was closed after doing all of the reports and case filings. Today, I received an additional letter in the mail from a debt collector. This was for an energy company that I have never heard of. This is one of the same energy companies that had an account opened by fraudulent information on myself. I did not open the account and this account is opened for about {$2000.00}. I called the energy company and The debt collection agency. Both opened referrals and cases against this fraudulent account. The energy company told me to file a report here so that is what I am doing.

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 2021-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, XXXX of 2018 they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello. I am filing a dispute against Capital One with the claim of False Advertisement for one of their products ; the Capital One Quicksilver card. In XX/XX/2018 I applied for this card because it was advertised 0 % APR on purchases for 15 months. Here is a hyperlink to the offer https : //www.capitalone.com/XXXX In the terms and conditions sections of the offer, which could be found in the hyperlink, it also states 0 % APR on purchases for 15 months https : //www.capitalone.com/XXXXXXXX XXXX XXXX. I applied and received the credit card based on that advertisement. 
In XXXX this year I was charged an interest payment of {$54.00}. I called Capital One on this date and spoke with XXXX ID : XXXX. She notified me that I received terms of conditions in the mail that stated my 0 % interest rate expired, and that I received terms and conditions which reflected my 0 % APR was only good for 9 months ( I do not recall receiving this notification ), not 15 months. She also stated that only qualifying members receive 15 months of 0 % APR on purchases. My disputes can be summarized with these points : After discovering the interest charge, I was notified by multiple representatives that the 0 % APR on purchases was for " up to '' 15 months ; however all advertisements state 15 months with no asterisks. I applied for product under terms and conditions that the 0 % APR on purchases was for 15 months, and all advertisements and terms and conditions of the application state that. Finally when Capital One states that I received terms and conditions that state my introductory period was less that 15 months, I not only deny that claim but again direct you to the terms and conditions that are stated online. Once again, no where in the Capital One Quicksilver Card disclosures does it state that the 0 % introductory rate is " up to '' 15 months ; the card was applied for and received based on the advertisements and the disclosures. I would not have applied for the card if 0 % interest rate for 15 months was anything other than advertised. I request that you review the hyperlinks and conclude whether or not there a reasonable person would believe that the Capital One QuickSilver Card comes with a 0 % introductory rate for 15 months. Thank you. 
https : //www.capitalone.com/XXXX XXXX XXXX

Company response to consumer: Closed with explanation