BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
Iam a vcitim of identity theft and someone used my information to obtain credit card with XXXX XXXX. I have contacted XXXX XXXX  and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, XXXX and Equifax. I have contacted these 3 bureaus and summited my fraud affidavit and police report for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # XXXX as individual and charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Nelnet, Inc.
State: CA
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:
Hello, I'm fed up. My almost {$800.00} per month student loans resumed this XX/XX/XXXX, and this is what I've had the displeasure of dealing with : XXXX set up auto-debit well before XX/XX/XXXX, along with my bank account information. 
-On about XX/XX/XXXX, I logged into my student loan account and was advised by Nelnet XXXX my account was delinquent, and I had to pay the outstanding balance immediately. 
XXXX did, and then they charged me twice for XXXX. When I tried to call them to remedy the situation, I was told I had to contact my bank to reverse the charges for the second unauthorized charge, which I did. The second charge was reversed. 
-While I was still doing automatic debit with Nelnet XXXX I received another message from them in XXXX that my automatic debit was not accepted because I had " insufficient funds. '' This was nonsense, as I had well over {$1600.00} in my account, and told them such. 
XXXX 'm continued to be hounded by emails and statement balances from the XXXX XXXX XXXX XXXX and Nelnet XXXX letting me know I am " behind '' in my payments. 
-As a last resort, I decided to just use my bank and XXXX XXXX XXXX payment to XXXX XXXX. 
XXXX just received a notice from my bank a moment ago that the transaction " Failed '', even though I have {$2200.00} in my account. 
-My patience is at an end. If Nelnet doesn't remedy this situation within 10 days, that will let me know I will need to pursue further legal action to protect myself from their nonsense. 
-I am begging you to please help me. I am not trying to get out of anything, and this is the first time in my life that I've had to strategize how to pay another entity ; you'd think they would want more money. Oh ... nevermind ... I won't get the scraps of minor interest rate reduction if my auto-debit is disputed or cancelled. 
-And this has been really great just in time for the holidays, so I guess my loved ones will be lucky to even get a card this year with this ridiculous amount of money I'll have to pay every month once again, even though the whole reason I got this degree was to become a clinical psychologist who helps my patients every day with suicidal thoughts, XXXX, and anxiety. Which I am a clinical psychologist, and help my patients everyday. 
XXXX days from today, and then I'll take further legal action if there is no response or remedy. I'm done. And I'm certain the XXXX would like to hear about my story, so I'm preparing for that too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
My mortgage company Mr. Cooper/Nationstar agreed to give me an extended Forbearance period until 2024 to pause my payments however they start asking for the monthly mortgage payment by text message, phone call and written email prior to the end of the initial plan. The agreement from this company was to help me through my hardship and allow me additional time to pay. I received a written confirmation agreement and had made financial arrangements based on Mr. Cooper 's letter to me that I had additional time to pay and now they have taken it back. The company did not give me any type of written notice I was cancelled from the Forbearance plan. I am being treated unfairly, I am being discriminated against due to my race, Fraud is being committed against me with their deceptive practices saying they are allowing additional time but then sending me notifications for payment. I called the company and the phone hung up on me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/XXXX, I contacted Chase bank regarding several unauthorized ACH withdrawals from my Business Checking account. There were XXXX transactions totaling {$13000.00}. 


The Representative stated documents will be mailed & i should receive them within XXXX business days - that i should sign and return them. None arrived. 


On a second phone call, I was asked to go in person and file a Disputed Transaction form. I went into the XXXX XXXX branch in XXXX, TX and the branch XXXX faxed it in. 


Meanwhile, i received an email notification stating I received a letter on the online banking portal. 

The online portal showed multiple documents. 
XXXX. Stating that the claim was closed XXXX. Asking me to complete the same Dispute Transaction form and fax or upload it XXXX. Stating that the claims were too old and will not be paid XXXX. Stating that these Transactions were authorized XXXX. The initial document dated XX/XX/XXXX arrived on XX/XX/XXXX -- asking me to sign and send a document on XX/XX/XXXX ( when I did not even have it in my possession ) I have spoken with XXXX different people from the Claims Dept and each person offered me different information. 

The XXXX person i spoke with advised me to close the account and open a new one. I did that. 

On mulitple occassions, i requested any information that shows I authorized these transactions. The purpose was to contact the merchant directly and resolve the issue. I was told that it wasn't available and would have to be request from 'the back office '. Today ( XX/XX/XXXX ), I was transferred to the Retail Business Service dept. The Representative transferred me back to the Fraud/ Claims department as he could not access a 'closed account '. 

Here are the dates & charges in dispute : XX/XX/2023 - {$1500.00} XX/XX/2023 - {$2100.00} XX/XX/2023 - {$1200.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1800.00} XX/XX/2023 - {$1400.00} XX/XX/2023 - {$1700.00} A Financial Institution should not be allowed to arbitrarily presume that a Merchant or their Bank sending an electronic message stating the charges were Authorized is accurate. That Merchant should produce documentation that I authorized these large withdrawals. 

I am a small business owner and this financial loss is devastating. More than that, my funds should be safe from unauthorized electronic withdrawal and access.

I sincerely believe that I am the victim of Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Shellpoint Partners, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, My home mortgage was just recently transferred to XXXX XXXX XXXX ( ShellPoint ). I was notified of mortgage transfer late XX/XX/XXXX. Once I received the letter of transfer, I called ShellPoint to make a payment and set-up a re-occurring auto pay transfer. However, it seems the auto pay was never activated. 

Couple of months passed by and I realized the amount of money I am keeping for the mortgage is not being deducted. I called Shellpoint customer service and only then I was notified that my account is past due! During the " past due '' period, I didn't receive any letters, phone calls or emails to indicate that my mortgage payments are not going through. Also, by law, I have 60days to make a payment from the day of notification ( mortgage transfer ).

Currently I am going through a financial hardship. I am trying to refinance to decrease my mortgage monthly payment. This false late payment caused my credit score to drop  tremendously and not allowing for the refinance to happen. 

I called shellpoint to resolve the issue. The only action they were willing to take is to report to prospective lender that my account status is current. Unfortunately, this is not enough. Shellpoint need to update the 30days past due payment reported in XX/XX/2018 to all credit bureaus to indicate there were no late payments on my account. 

Thanks for your help in advance, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NC
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:
The information reported on my consumer report is not accurate, complete, true and accurate. Reporting such information is misleading and a direct violation under the Fair Credit Reporting Act.

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 2018-09-16
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving this bill of {$1600.00} for years now. I was a MINOR at the time these services were provided, they were not only PAID by my parents insurance but the merchandise was RETURNED to the medical facility because they were DEFECTIVE. The debt is incorrect and not mine. I am XXXX years old now and I should NOT have to be responsible for paying for a hearing aide that I RETURNED and that NEVER WORKED in the first place. We were not supposed to be billed once we returned the product. This is a FALSE charge. I have made several attempts to remove this from my credit/record and have gotten nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX- Acct # XXXXXXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXXXXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX- Acct XXXX XXXX DEPT OF EDUCATION/XXXX- Acct # XXXX XXXXXXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX- Acct # XXXX XXXXXXXX XXXX XXXX- Acct # XXXX XXXX- Acct # XXXX This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report 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
Consumer complaint received 2023-12-05
Company: Experian Information Solutions 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 filed a report at the government website, identitytheft gov and i sent it to the bureaus. my credit report had fraudulent accounts. The accounts where removed, but a few weeks later they where placed back again. I filed another report at the goverment website. i also was made aware that my information was leaked during an XXXX data breach.

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 2019-01-24
Company: AMCOL Systems, Inc.
State: AZ
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:
AMCOL Systems Inc is reporting on all three of my credit bureaus as three different accounts with different amounts. The accounts that are showing are {$1300.00} on XX/XX/XXXX, {$1200.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. All of these were for the same visit not on the dates being reported. The services were either for myself or my son. In addition, I had medical insurance through the state of Arizona and these claims should have been filed through medical insurance. I called this company XX/XX/XXXX and advised them that I had state health insurance at the time of the visit. Their response was " because the date of service is more than 1 year ago they are unable to file the claim with the insurance. '' I told them that I was not responsible for this debt and they need to file the claim with the state health insurance or they should have at the time of service. At the time of service, I presented my insurance card and they took a copy of it in addition to filling out the paperwork with all of my insurance information on it. They are refusing to remove these accounts and file a claim with the insurance. This company is not easy to work with and their representatives who answer the phone are rude. I have enclosed a copy of mine and my son 's medical health insurance card that I had at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2022-10-26
Company: EQUIFAX, INC.
State: TN
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. Equifax and XXXX is furnishing negative items on my consumer report thats suppose to be excluded. The information was obtained under false pretenses through aggravated identity theft to help the furnisher extort me by using racketeering activities to compel and coerce me into paying alleged debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: TX
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:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard.I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 received a copy of my credit report and found the following items to be errors. I've been trying to submit my disputes to the credit bureaus but they seem to be ignoring my complaints.

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 2022-04-18
Company: Genesis FS Card Services, Inc.
State: NJ
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:
I had made a purchase at XXXX for a couch using Genesis credit card on XX/XX/2022. The couch was lost in transit. I asked for a full refund, as the item was no longer available. the refund was processed XX/XX/2022. 

XXXX provided bill indicating Genesis Credit Card, received the payment back. 

I called Genesis credit card to ask why do they keep charging me for a credit that was already paid back in full. 

I sent Genesis Credit Card a Fax with the bill confirmation that they accepted the payment from XXXX. 

Genesis, says it takes them about XXXX weeks to received a fax. I called and still no update. So, I mailed in all the documentation including, proof of fax, proof of payment return, email confirmation from XXXX. These documents were mailed to their address : Genesis FS Card Services, po box XXXX, XXXX, XXXX XXXX via certified overnight mail and they received it XX/XX/2022. 

I keep calling and they see a dispute has been open and they always place me on hold for over an hour every time. Basically, until I get tired and hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to submit my online disputes with transunion all day yesterday and this morning. In the dispute page of my report it doesn't guve me a edit or dispute button to dispute an item such as my personal name being shown as my brother 's name, a child support collection agcy from the tn dept of human services not being mine but my brother 's once again. I have tried emailing transunion with no response back. I am trying to repair my credit because that is all i have left.

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 2019-03-01
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ford refuses to take me off of the autodialer list. Basically the autodialer doesnt have a time stamp so it automatically calls during work hours. So they are saying they cant adhere to not calling during work hours. They are saying theyd have to fully take me off the calling list. I have a rewrite in progress for the loan but their collections department still uses the autodialer and cant take me off.the CSR actually said to just ignore the 2-5 phone calls a day, which is frustrating.

Company response to consumer: Closed with explanation