BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, Experian and XXXX listed XXXX on my credit file as a charged off account listing me as an authorized user. I did not approve of being listed as an authorized user. I never once gave my approval to XXXX to list me as an authorized user on any accounts. This is a violation Also, XXXX, XXXX and Ecperian has listed SOS Group on my credit file as well I never once received any notifications to validate debt I have two health insurances and was told I wouldnt have a balance SOS Group is reporting inaccurate information and account I know nothing about which is also a violation

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 2023-12-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a phishng expedition on XX/XX/XXXX by someone claiming to be XXXX security. They scammed my bank account after asking for a screen share. I lost over {$12000.00}, I went immediately to my bank branch and my personal banker filed all the necessary claim requests and changed my bank and credit card numbers instantly. The bank investigated and said the transfers went to accounts at XXXX XXXX BUT alas said they could not refund as the scammers made it appear I authorized the transfers... .which I did not. They informed me of the bank policy on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TOYOTA MOTOR CREDIT 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: Their investigation did not fix an error on your report

Complaint:
The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My first student loan began in XXXX while attending XXXXXXXX XXXX  College. After 2 years, I transferred to XXXX XXXX University. Sallie Mae began servicing all of my loans ( including those previously owned by them ) in XXXX. 

Since XXXX, I have been perpetually under-employed. Throughout the course of my " career '', I have barely been able to make any payments on my loan. This becomes important to the story since the XXXX began in XXXX. Since XXXX, Sallie Mae and Navient employees have been purposely steering me away from repayment products which I qualify for that would have helped me to ultimately have my loans forgiven. I have been an employee of a 501 ( c ) 3 nonprofit organization since XXXX. This first time that any agent of Navient ever asked me if I was employed by a " public service '' was in XXXX. 
In other words, Sallie Mae/Navient intentionally did not tell me about the Income Based Repayment Plan nor the Public Service Forgiveness options to reduce and forgive my student loans. They consistently put me in forbearance. They rarely signed me up for deferment and as a result my balance on loans that began as {$21000.00} increased to {$34000.00} in XXXX, an now is {$56000.00} today. Had I been given the information to consolidate my loans to a Direct Loan in XXXX or XXXX so that I could then apply for Public Service Forgiveness, I  would no longer have a student loan. Or, I would be 11 years into the IBR versus 2 years. 

Sallie Mae/Navient committed fraud against me.

Even today, the first customer service representative I spoke with at Navient gave me the wrong information and told me that I did not qualify for loan forgiveness. He then corrected himself twice during our 30+ minute conversation. I have asked that the recording of that conversation and the conversation with his manager be pulled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: WI
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:
My credit Report states that I owe XXXX {$310.00} is the balance. On XX/XX/XXXX I paid {$190.00} on my XXXX account which was the final amount due. 

I have attached proof that I paid this account in full and the balance is {$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 explanation
Consumer complaint received 2017-12-12
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon learning of this alleged debt on my credit report, I sent in a validation letter on XX/XX/XXXX and was sent back a copy of a lease dated XX/XX/XXXX-XX/XX/XXXX and typed up charges from XXXX. This alleged debt states the debtor moved out in XXXX and I wasn't living at this property then. I sent in a second attempt of debt validation on XX/XX/XXXX and asked for further validation that this alleged debt belongs to me, including proof this company's license to collect on debts is expired. I was sent back the same letter I sent in on0XX/XX/XXXX with writing on my requests stating they are only sending me what is required by law concerning the creditor/debt collector declaration. They hand wrote on the letter and  stated " original lease sent, renewals do happen" but have failed to provide the alleged renewal. When I highlighted the contradicting dates on the lease it was hand written " So what? you singed a renewal of stayed, you still abide by lease" but once again not providing a copy of this alleged renewal. I also asked for validation they bought this alleged debt, etc but they refuse to provide me with any valid documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I bought a house in XXXX. Our first payment was due on XX/XX/XXXX. We were given a letter dated they XXXX of XXXX that our loan was transferred to XXXX XXXX and will be serviced through XXXX. We got it the day before our first payment was due. At this point we were already set up for payments with Freedom Mortgage so we paid Freedom Mortgage on XX/XX/XXXX. The money was taken out on the XXXX, but was never transferred to the new servicer. They said we could pay them up until the XXXX. After the XXXX we pay XXXX, as it was transferred on the XXXX of XXXX. We let XXXX know and gave them to confirmation number on the XXXX after we made our payment. My husband has called Freedom Mortgage every week since the XXXX of XXXX asking about the transfer and each time they say we have a different amount of days to transfer. One time it was a week, another 45 days, another 60 days to transfer it all starting at the date of the call. They keep giving him vague answers and keep giving excuses for why it wasnt transferable. The first excuse was that it was a holiday so it would take longer to transfer. Another was that we owed in XXXX but our first payment wasnt until the XXXX of XXXX. At this point Im concerned this isnt going to get 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 explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There is a XXXX  XXXX bankruptcy from 2014 reporting on my credit report. When the bankruptcy was disputed, I received a letter back from the credit bureau stating that the bankruptcy information was verified by XXXX XXXX. I contacted XXXX XXXX and asked them to confirm and validate the record of XXXX XXXX bankruptcy being reported on my credit report. XXXX XXXX responds with a report showing that they do not have a record of any kind of bankruptcy under my name. I was also a part of a class action lawsuit against XXXX XXXX for providing inaccurate information to the credit bureaus and similar entities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: WA
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:
I noticed my date of birth was incorrect on my credit report. I sent a picture of my XXXX XXXX ID to equifax. They determined that my ID was wrong and that the " information '' they had was correct. Basically ignoring any evidence and/or simply not interested enough to even look at any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Early Warning Services, LLC
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was called by a person claiming to be a XXXX XXXX rep after I received a text about a potentially fraudulent charge. I was instructed to send Zelle payments in order to have them flagged as fraud and theyd come back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CITIBANK, N.A.
State: NY
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:
On XXXX XXXX XXXX  I purchased a dress at a store which unbeknownst to me had a broken zipper. I immediately tried to return it, same day, and the merchant refused to help. 
They are an unscrupulous business. The woman working there do not speak english, and were nasty, and embarrassed me. 

This is in response to Citibank 's resolution of the dispute of {$59.00} at XXXX XXXX which is not in my favor. I have already submitted to Citibank in detail the nature of and reason for my dispute for the charge of {$59.00}, which was for a dress I was sold with a broken zipper. I have already attempted to no avail to return the dress to the business on XXXX XXXX XXXX which was the date of purchase. I will no longer engage in any further communication or interaction of any kind with this business either in person or by phone. Nor will I ever set foot in this business again. Firstly, there is a language barrier. Secondly, I will not lower myself again in an attempt to persuade or prevail upon non-English speaking individuals who see me as a nuisance and a joke at my expense. Individuals who have taunted and humiliated me within earshot and in front of other customers. It is not possible to reason with the unreasonable and unyielding. 

I have been a cardholder with Citibank for 12 years. I do not have a history of opening frivolous disputes over purchases using this card. With that all being said, I do expect my credit card company to support and protect me from unscrupulous business and their senseless policies. My dispute is about being sold a damaged item where the damage wasn't visible or obvious until after I purchased it. I simply wouldn't have made this purchase had I clearly seen the damage beforehand. The dress is unwearable as it is, unless I invest more money to have it repaired by a tailor. At my discretion and preference, I will not pay additional money to have the dress made wearable. This dispute should have been resolved in my favor weeks ago and Citibank has allowed it to continue.

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 2022-12-25
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Chexsystem. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is reporting as a collection on my report despite not having a consistent and reliable historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear CFPB, I am writing to lodge a complaint against Wells Fargo Bank for their unprofessional, unreasonable, and deliberately troublesome approach towards customers, resulting in wasted time and a lack of resolution in handling disputes. 

I recently encountered a dispute with XXXX regarding an order. I have already returned the merchandise, but the XXXX system has not been updated. Despite my numerous attempts to contact them and reach out to USPS to locate the package, which has already been picked up, I have been unsuccessful. 

Therefore, I had no choice but to initiate a dispute through my bank. However, Wells Fargo has been the least competent among the banks I have dealt with when it comes to handling disputes. They lack the necessary expertise and only waste customers time. After waiting for 15 minutes, they transferred my call to the dispute department, where I had to explain everything all over again. This is a deliberate attempt to inconvenience customers and waste their time, ultimately leading them to give up. 

In comparison to the services provided by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my experience with Wells Fargo has been extremely disappointing. This bank should seriously consider shutting down and declaring bankruptcy. 

I sincerely hope that the authorities will oversee this matter. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Block, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an unsolicited card from a company called Square. It is a business debit card, and says it is issued by XXXX Bank. The card has my name on it. I did not apply for this card, and I do not have an account with Square nor with XXXX Bank. I contacted Square at their customer service number : XXXX. I spoke with XXXX, and was transferred to XXXX. I explained that I received a card that i never applied for, and wanted to ensure the card was not active and any accounts associated with my name were closed. I was asked to provide the number on the back of the card. I was told by XXXX that she could not close any account associated with my name and that it had to be investigated by their team. She said she would forward my concerns to the appropriate investigative team. I asked to speak to a member of the fraud department directly and was told that there was no live person to speak to, only the liaison, XXXX. I was also told to provide an email address and that I would be sent an email asking for additional information. I stated I did not feel comfortable providing a personal email address and did not see why I should have to email further information to the company, as I did not open an account with them and just wanted any accounts in my name closed. I asked how I would receive confirmation that my account was closed, and if I could be sent a hard copy letter or at least a phone call from the fraud team informing me the account was closed. XXXX stated that the company is " mainly email '' and does not typically do phone calls, nor would I receive a hard copy letter stating the accounts in my name were closed. I explained that I believe this card is due to identity theft, and want confirmation that any accounts associated with my name are closed. XXXX instructed me to contact my local authorities and stated it would be forwarded for investigation, however she could not close my account nor provide me with definitive confirmation that the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: State Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received this text on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX : " Here is your acct info from XXXX. Visit XXXX XXXX XXXXXXXX or call XXXX. See details : XXXX XXXX stop to end '' Because of the deluge of spam by text and calls, I ignored the text and hesitated to follow the link because I thought it could be a scam. I did not receive any other notification other than the texts. I did contact the company after receiving an alert from my XXXX account that I had been reported to credit companies. They claimed that they usually send written notice but had no record of it being done. 

I believe I was inadvertently sent to the debt collector, and I am addressing this with the facility I was billed by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and starting on XX/XX/2021 my personal information was stolen and fraudulently used to open lines of credit without my knowledge and authorization. I have contacted all the credit grantors involved and have verified with them that these accounts do not belong to me, and I have tried to get these accounts blocked and deleted off my report but I have been neglected even while using the fair credit reporting act. The following accounts are reporting on the referenced bureaus Experian : XXXX XXXX  Opened XX/XX/2021 Bal {$9900.00} XXXX : XXXX XXXX, XXXX. Opened XX/XX/2021 Bal {$6600.00} XXXX : XXXX XXXX  Opened XX/XX/2021 Bal {$9900.00}.

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