BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call today from XXXX XXXX XXXX XXXX and one previously several months ago. Caller says name is XXXX. I called back today and they were XXXX XXXX, and woman said I had received a cash payment from AmericanExpress that was not repaid. 
I have never had a cash advance from any credit card company. I have not, to my knowledge, had an AE card ever and my ex. XXXX XXXX had one when we were married in the XXXX and XXXX. I was told they are filing charges! They DID have the last 4 numbers of my SS #. 
I have no debt. I am now a single XXXX yr. old woman. I have one XXXX Master Card I pay in full every month. I have no loans, no mortgage, own my own car outright, and am not a deadbeat and never have been. My credit score is XXXX. 
I get very upset when I get calls like this and want them to stop. I have had my identity stolen about XXXX and the FBI became involved because my SS was stolen, my rebate never came from IRS because another person filed in my name and received some debit card which they had requested as the form of rebate. 
Please help, and let me hear from you. XXXX XXXX. email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Back in XXXX of this year, I applied for the new SAVE Plan. Nelnet emailed me XX/XX/XXXX saying they needed 7 years of income statements (? ) to enroll. I didn't think this was right, so I contacted them through email soon after asking why this was since literally no one I knew, and no one on message boards was having to provide this info. On XX/XX/XXXX, they wrote me back and didn't tell me anything ; just copied and pasted the same email they sent me before. 

So I tried looking for tax documents and couldn't find them and called on XXXX, was on hold for XXXX hour XXXX mins and XXXX seconds. I hung up. tried again on XX/XX/XXXX and after XXXX hours I got through. The lady couldn't answer my question, but got someone that could, and gave some weird excuse, but gave me options of what paperwork I could upload. A XXXX hour XXXX min and XXXX second phone call, 89 % of it on hold. 

So I uploaded my documents on XX/XX/XXXX. I emailed them on the XX/XX/XXXX for a status update since there was nothing on the website about where my application was in the process, and I just got an automated, 'sorry, we're too busy to help you, we're overwhelmed, ' email today, lol. They approved my application, BUT FOR THE WRONG PAYMENT PLAN. To be honest, I don't even know what I'm on now, but I know it isn't the SAVE Plan because my payment isn't supposed to be {$150.00} a month. Like, I just can't with these people. I can't be on hold for hours anymore, I can't deal with their incompetence, I don't even know how/why I'm on a plan I didn't even put an application in for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2021-03-17
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I noticed someone had fraudulently accessed my unemployment card and somehow was able to make numerous charges at XXXX XXXX and XXXX, XXXX, XXXX XXXXt XXXX and XXXX XXXX in XXXX XXXX. I live in Georgia and have not been to XXXX in over 7 years. The card was never out of my possession. I am just wanting my money returned to me and to prosecute whomever stole my information. The credit card company is doing nothing about it and basically saying not our problem instead of helping me resolve this. Can you please help me get my money back rightfully in my account. The fact the Go Program is being so frivolous about someone fraudulently stealing my card number with them and using it without my consent is very alarming to me. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in XXXX day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according XXXX XXXX Code XXXX XXXX a ) A financial institution XXXX not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pursuant to the FCRA, it is EXPERIAN 's grave responsibility and duty to be reporting correct and accurate information on my credit report and file- however, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These include the reporting of 150 days delinquent on XX/XX/2018. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes the inaccurate late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did not give EXPERIAN written instruction/ permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is very clear that EXPERIAN has violated my federally protected consumer rights and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2021-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: AmeriHome Mortgage Company, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX I emailed a copy of my Tax Exemption certificate to AmeriHome 's Tax Exemptions Department. The same day ( XXXX XXXX ) I received a notification that the document was received. 

On XXXX XX/XX/XXXX I contacted the Tax Exemptions Department of AmeriHome Mortgage to verify they did not need any additional information and to inquire about my mortgage bill and how to proceed when the first payment was due ( Payment was due XXXX XX/XX/XXXX ). I was assured that my paperwork had been received and that it would be processed and that I would not need to make payments until the bill has been corrected because I could wait to make my payment up until XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I received an email stating that the documents I sent would be sent to the Tax Department. 

On XXXX XX/XX/XXXX I again contacted AmeriHome to inquire about the status of the tax exemption, as my first bill due date had just passed. I was again told it was being processed and that it should be completed/updated by XXXX XX/XX/XXXX and that I could wait to make payments. 

On XXXX XX/XX/XXXX I made contact with the Tax Exemptions department of AmeriHome to follow up, as my bill was still showing the incorrect amount due. I was told that my tax information was being processed and that they had to verify the information with the Tax Assessor 's  office. When I requested additional information about when to expect this to be completed and whether or not it would be before my '60 day grace period ' had expired, I was told they had no further information and to just wait or pay the full amount. 

On XXXX XX/XX/XXXX I made contact with AmeriHome Tax Exemptions office and again inquired on the status of my tax exemption and billing update. The representative refused to give me any further information or to give me any estimated timeframe for this to be corrected. 

On XXXX XX/XX/XXXX, I submitted the full billed mortgage amount, which included the tax amount, as I did not want to fall behind on payments, requiring 2 months ' payment all at once by mid-XXXX. 

On XXXX XX/XX/XXXX I contacted AmeriHome Tax Exemptions office, as I am now in receipt of a letter and a paper bill stating that I am Past Due on my mortgage. I was placed on a hold and then told that my exemption status was being reviewed. Prior to contact with AmeriHome, I contacted my County Tax Assessor 's Office. I was reassured that if AmeriHome had contacted them, they would send the information, but that the only information they had for them was the letter that I had already submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
i have XXXX for XXXX months. i used whatever money i had left to cover my account.i even transferred what i hd left in my savings to cover the bills.next day i get whacked with 3 overdraft fees.i than borrowed XXXX from my daughter to cover my account but other things came in causing my account to be minus.they hit me with 3 more overdraft fees.and even when my account was XXXX they kept letting other things come and hit me with another overdraft fee.since XX/XX/XXXX i have been charged 7 overdraft fees from wsfs.i called to ask them to reverse them that they shouldn't be doing this and they didn't want to hear about it.my first check from my new job and half of it goes to cover overdraft fees.this is rediculous.i 'm about to go to the state attorney general and have them look into wsfs practices.i 'm also about ready to file a lawsuit.

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 2023-10-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
BMO platinum credit card claims I have a balance of {$2.00} but I never received this card or signed up to open this card. When I call the XXXX XXXX number that came on the statement they mailed to me. Theres a weird dial tone with lots of In-N-Out like its out of country. The XXXX number was 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 2021-03-17
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: Was not notified of investigation status or results

Complaint:
I have sent in documentation by mail and uploaded documentation online through the Transunion website because there are items that are supposed to be deleted from the credit bureau. They keep saying they are not receiving my documentation when I have proof of certified mail and online screen shots.

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 2021-03-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I wrote to your bank about accounts that should not appear in my report. You asked to send you a copy of the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 than records of convictions of crimes which antedates the report by more than 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 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 2023-10-06
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the 3 credit Bureaus to do a verification check on my account with Westlake Portfolio Management. They stated it was accurate. I conducted a thorough research myself and found improper inaccuracies on my credit reports. After they conducted and concluded their research. My balance is different, 2 says closed, 1 says open, the original creditor is not Westlake financial servicing. It Was US Auto Sales. Theyre 2 different servicing companies on my credit ( WPM and the WFS ). For the same company. In accordance with the fair credit reporting act Westlake Portfolio Management, has violated my rights. A states - I have the right to privacy - A consumer reporting agency can not furnish an account without my written instructions. 

When the initial call was received, I was in the middle of purchasing a house through a mortgage company. I asked was this going to effect my credit. They stated that it would not. I checked later that week and realized my credit went down over XXXX XXXX points. I was never behind or late with US Auto sales. I have proof if needed. I really need them off my credit. They have ruined my life.

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 2021-04-11
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: RC Willey
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am reporting deceptive business practice with RC Wiley and The collection company XXXX XXXX XXXX. I opened a credit loan with RC Wiley in XX/XX/XXXX. My loan went into default and was closed XX/XX/XXXX. The account was charged off {$2200.00}. My original account number with RC Wiley was XXXX. This account was turned over to the collection agency XXXX XXXX on XX/XX/XXXX with a balance of {$2800.00}. For the past year I have been reporting to the credit bureau inaccurate information reported to my account by both companies. First, both companies are reporting that I have balances on my account. Secondly the original charge off dates have been moved up to XX/XX/XXXX. And thirdly, XXXX XXXX is reporting the account with a different account number, XXXX, to appear as if its XXXX separate accounts being reported with their balance at {$3500.00}. They can not charge me twice for the same account. I have made several attempts to correct this issue with the credit reporting agency but they are saying the two companies are coming back with the remarks of all information is being reported correctly. Please investigate and either remove both from my credit file or remove the account that is being falsely reported. This is damaging to my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX @ XXXX XXXX mountain time. 


text message received " XXXX XXXX Our office has been notified of a return check. To prevent your file from being turned over to the Check systems call our office today. A Claims Specialist can be reached at XXXX. '' The number is a Hypertext link. 
In my opinion, this is timed with the Federal checks set to roll out to tax payers.

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hello I reach out to transunion about some inquiry on my credit report. They didnt removed them and I was a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: LA
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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