BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: Experian Information Solutions 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:
On several occasions I wrote to Experian disputing a bankruptcy that they listed on my credit report. They wrote me back and said that the information was verified by XXXX XXXX and the court. I contacted both and the court said that they had absolutely not verified the account. XXXX XXXX removed the account from their report. I provided written proof of all of this to Experian. They could not possibly have done and investigation, because they said that they had verified it again with XXXX XXXX after XXXX XXXX had clearly acknowledged that the information was inaccurate and removed it from their report. 

Experian then made 3 requests for me to prove my identity. I belive that these requests were made just to avoid answering me, because I submitted my identity information with the dispute. I included my driver 's license and social security in my original requests and follow up response. I felt that this was designed to frustrate me and make me give me. But it just doesn't make sense that if they entities that you claim gave you the information either say that they did not or admit that the information was incorrect then Experian can not justify keeping this inaccurate data on my report. 

I believe that Experian is willfully failing to conduct a lawful investigation and stubbornly refusing to remove this bankruptcy listing from my account. It is as if they think that they don't have to meet their obligations and can continue to inflict hurt on me. 

I am requesting that this bankruptcy be removed permanently from my credit report and that I be sent an updated credit report,

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 2023-02-16
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2023 this consumer attempted to contact Experian to request previous addressed be removed from credit report to which this consumer was redirected to the website as the request was unable to be made through the contact number. This consumer submitted a dispute online and sent a written request to have previous addresses removed. 

Under 15 USC 1681eb Bureaus are supposed to use maximum possible accuracy.

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 2020-03-26
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have the mortgage account overdue for 931 days with the popular bank in the amount of {$13000.00} and the principal owed of {$7700.00}, adding these amounts to a total of {$21000.00}. To the extent possible, is a grant available to settle this account? Currently I work part-time, less than 25 hours, at some times he did work as a XXXX, but I need to settle that account. Like the student loan, that payroll check is debited from that student loan. {$10000.00}

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 explanation
Consumer complaint received 2018-08-29
Company: GB Collects, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by the debt collection agency on XX/XX/2018 by phone call and email. I contacted my employer about my health insurance company throwing me into collections as I have health insurance through them. I also reached out to my health insurance company. Both my employer and my insurance company told me that this sounded like a fraudulent attempt at collecting money from me. I told the agent XXXX by email on XX/XX/XXXX that she should no longer contact me by phone and that I would like written proof of this debt as none of her information matched anything I had. She sent me an email on her company letterhead stating I owed money to XXXX XXXX. The termination date for my insurance does not match what she sent me. I asked her not to call me, that the debt was disputed, and that I wanted proof of this debt. Instead I got two more phone calls and another email. After specifically stating in my XX/XX/XXXX email that I did not want to be contacted by phone, I have since received multiple phone calls, the latest of which was today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I sent a letter out to XXXX, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/2023 I purchased a item for {$130.00} but then I call canceled the purchased but since the purchase still remains on my store card I contacted them to have it remove they stated no I also offer send them email with the refund and they stated no

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 2023-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Dear Staff, I need to be contact by the ORIGINAL CREDITOR, i dont speak to third class people who want to pay pennies for dollars owed and try to harass someone and iintimidate someone and threaten someone for something they never were owed, i believe this is PRICE GOUGING which is a crime by itself, they buy someone else 's debt peennies for dollars owed and try to harass others by trying to be a smart XXXX. 

I DONT OWE A XXXX TO ANY DEBT COLLECTOR, and i would like to seek action of price gouging against them. 

IF someone believes i owe debt, I need to be contacted by the ORIGINAL CREDITOR I do not need or want to be disturbed by XXXX XXXX XXXX who think they can make wealth out of someone by threatening and intimidating and making harassing calls which are all CRIMES by itself

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: AMERICAN EXPRESS 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 status incorrect

Complaint:
I have an auto loan with AMERICAN EXPRESS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMERICAN EXPRESS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMERICAN EXPRESS with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my IDR on XX/XX/2022, and on XX/XX/2022, of my submission, I contacted NELNET XXXX XXXX servicer customer service around XXXX pm XXXX. As discussed in my inquiry as to why my IDR was denied, she explained that it was because I made " too much ''. I explained to her that I did not work and that I had lost my job and the income they had received was " COUPLE FILING JOINTLY FILE ''. She kept me on hold for a long time- going back in forth speaking with supervisors and finally, after XXXX hours, she tells me, " You need to write an E-MAIL explaining that you do have income and the income received was only your spouse. '' I asked if she was sure that if that was all I needed to do- and she said " yes ''. On that same night, I did what she told me- I emailed the letter to ( XXXX ) with my personal information and account details. ( Which I did twice ) As time went by, I NEVER received a notification or letter from NELNET acknowledging my e-mail. When I chatted back on XX/XX/2022, they stated that the e-mail they have received was not " acceptable '' because it had to be " hand written and signed '' After all of this misinformation given to me since XX/XX/2022, I got hit with a XXXX derogatory on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
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 went through a nasty divorce that finalized in XX/XX/XXXX. I had to file Chapter XXXX Bankruptcy die to the divorce. It was discharged in XX/XX/XXXX. 
However, on my credit reports it shows the PennyMac Mortgage as CLOSED and INCLUDED within the BK. 

This mortgage WAS NOT included in the BK and I still live in the home and have never missed a payment. 
I need this to report as such to improve my overall FICO score. 

PennyMac, for whatever reason, REFUSES to report my on-time Payments to ANY of the Credit Bureaus. 

I can not understand why they will not just report this info like they have for years? 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: IL
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:
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$35000.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I never RECEIVED communication or summons from the third-party company MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX On XX/XX/2023 I just received notification from Michigan Department of Treasury Withholding Unit that the third-party company MIDLAND FUNDING LLC XXXX XXXX will receive {$1400.00} dollars from my Tax Refund. I also just received notification from Michigan Department of Treasury that the plaintiff XXXX XXXX XXXX XXXX XXXX is representing on behalf of the Third-Party collection agency. Ive found multiple violations that the plaintiff and company MIDLAND FUNDING are participating in. I also informed the Michigan Department of Treasury of the unlawful debt collection practices occurring. MIDLAND FUNDING LLC XXXX  XXXX XXXX XXXX XXXX NEVER gave any verbal or written consent to garnish wages, nor collect any debt. I do not owe any debt to this company, nor is the debt reporting to any consumer report. It is also a violation of federal law, the Fair Debt Collection Practices Act ( FDCPA ), for a debt collector to threaten that your wages will be garnished if your wages can not legally be garnished. DEBT COLLECTORS AND CREDITORS ARE NOT ALLOWED TO SUE ME WITHOUT GIVING ME NOTICE THAT I HAVE BEEN SUED. All lawsuits require proper service; meaning the plaintiff must provide the defendant a copy of the complaint against them and a summons, in which I never received until Tax Refund was OFFSET.

1. A debt was never owed to MIDLAND FUNDING LLC XXXX XXXX ( NOT ORIGINAL CREDITOR ). XXXX XXXX is the original creditor. 

2. I NEVER received proper service, such as Summons, Complaint, WRITTEN DEBT. 

3. This company CAN NOT and will not provide Validation of DEBT owed A debt collector is required to provide certain information when it first communicates with a consumer, or shortly after. When the debt collector provides this required information electronically or in writing, it is called a validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo Began billing me monthly fees without any notification. When I contacted them they said the fees are nothing new and offered me 25 % refund. I declined and they continue to bill me monthly without explaining why. I have had my WF account for over 20 years and they suddenly began billing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: SANTANDER HOLDINGS USA, 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:
I have an auto loan that was reported on my account that I had never had in my life I have never had an auto loan with Santander bank theres no Santander bank in XXXX PA this account is now closed and I need to get this removed off of my credit because it is identity theft I did call Santander and they instructed me to this website to get this removed off of my credit I have also sent Santander my police report that I filed with my local police department

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America.. REG E violation on XX/XX/XXXX I lost my debit card after visiting a Restaurant in downtown XXXX. This is not my primary card, therefore i did not notice it was missing until I noticed fraud on my Bank of America account. I submitted a fraud claim on all transactions that occurred after my last valid transactions and bank of america gave me a provisional credit. That provisional credit was reversed on XX/XX/XXXX and the reasons that were given, were that the transactions matched my spending pattern, were in my area and were at merchants that i have been to. 
These reasons were simply not true. This card is not my primary card therefore i do not use the card often, There were around 30 transactions which occurred in a short span over the course of a few days. Far outside my normal spending pattern, for amounts that i have never spent and almost all merchant i have never been too. The only exception was the card was used at a XXXX which i have been to which was near where the card was lost. Also the card was used to buy a XXXX XXXX pass, which i have also done. 
I am now have a negative balance because my claim was not properly investigated. Bank of America used lies to not pay my claim and any proper investigation would have showed that this was true fraud.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible Bankruptcy XXXX XXXXXXXXdischarged Reference number : XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. FCRA 15 USC 1681

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 2023-03-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CHASE bank Equity Line of Credit 2nd mortgage ~ I applied for a loan modification a year ago and was only responded to in XXXX XXXX I think. I had no income at all and also was on a forbearance with my first mortgage. This very bad loan was started by Washington Mutual as an interest only loan at 3.125 % in XXXX  and then Chase bought out Washington Mutual. The interest rate hadn't changed in a long time and I paid out over XXXX for this XXXX loan over the course of time without any decrease in the principle balance. I explained about extreme financial hardship and was also surprised to find out that they wouldn't even consolidate this loan with the first mortgage even if I could do it. So, I get qualified for a modification with the first trial payments due in XXXX, XXXX and XXXX XXXX for {$210.00} ea. I have a relationship mgr.  XXXX XXXX at ext.XXXX which will drop my calls mostly and I've been calling for at least 2 weeks every day and even before that. I told different customer service workers ( and XXXX ) that I was receiving the bills anyway with the high interest payments now at 6.85 % and 8 %? and was told to ignore the bills because I was making the trial payments. Now the modification documents are including 2 high interest payments to the principle balance ( {$1300.00} ) and I think this is dishonest and goes against the fact that I was already engaged in the modification trial payments!! They come back with a lame excuse that I could cancel the modification so therefore they think adding these payments is justified but that's ludicrous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: OneMain Finance Corporation
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to call the company twice I was put on hold for hour no one ever pick up. I had my loan modified in XXXX. This is installment loan. I am not sure why they closed on credit report. Also credit report has not been updated since XXXX XXXX. The balance the amount pay is in correct. On the billing I will owe forbearance balance XXXX not sure what that is

Company response to consumer: Closed with explanation