BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX Bank did not have any assistance programs in place so I continued to make the monthly payment. In XX/XX/XXXX I again contacted XXXX XXXX Customer Service at which time they offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX and XX/XX/XXXX when these same charges were being improperly assessed. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX   in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX XXXX, XXXX XXXX, Experian, XXXX, and XXXX to no avail.

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 2022-07-06
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX account number XXXX has violated my rights, 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX XXXX am, I called Marcus by Goldman Sachs to close a CD account. I was told what the penalty would be and I agreed to close the account. I was told it would take between 1 to 3 business days. As of XX/XX/XXXX XXXX am, my CD account has not been closed. I have called Marcus by Goldman Sachs asking for an update on the following dates and times : XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX am, XX/XX/XXXX XXXX pm, XX/XX/XXXX XXXX am. Each time the representative told me that they have many requests at this time and they are working on my request to close the CD account. Marcus by Goldman Sachs is refusing to close my CD account and make these funds available to me. The Deposit Account Agreement, effective XX/XX/XXXX does not state any delay on closing a deposit account where the funds are being transferred into a different deposit account held at Marcus by Goldman Sachs. 

This institution has changed the rules for account closure. Marcus by Goldman Sachs is violating the Deposit Account Agreement. 

As of this time, I have no idea when the funds will be made available to me. I feel the bank does not have the funds available to give me. 

Please investigate this practice and determine the legality of their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: CAVALRY INVESTMENTS, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  XXXX Department acted prematurely and wrongfully processed a notification like it was a court-ordered levy garnishment from XXXX XXXX XXXX XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX County Government Clerk of Superior Court stated that the court has not issued a levy garnishment to XXXX  on behalf of Calvary SPV I LLC to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My complaint is that Calvry and Levy Law Firm XXXX acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of debt debt-collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Nelnet, Inc.
State: AZ
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:
My student loans were transferred from Great Lakes to Nelnet this year. I had applied for the SAVE plan on XX/XX/2023. The federal student aid website states the application was reviewed on XX/XX/2023 by Nelnet and processed on XX/XX/2023. Through the SAVE plan, the monthly payment amount stated to me is {$72.00} on my application on the federal student aid website. My Nelnet account reflects a monthly payment of {$270.00} and does not reflect my repayment plan as the SAVE plan, but just a standard income driven payment plan. 

I tried to call Nelnet on XX/XX/2023 to clear this up and see why my account is not reflecting accurately. I sat on hold for XXXX hours and was never able to connect with someone. 

Their website constantly states they are experiencing larger than normal call volumes and long wait times. This company was not prepared to take on this volume of work and does not have the staff to do so. Considering my repayment date is right around the corner, I need to get this cleared up, like many other borrowers who are preparing. 

I've tried utilizing the Nelnet FAQ page to see if maybe the problem was listed but could not find any such resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Westlake Services, LLC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
adjustment in the settlement sent to XXXX XXXX for full payment of the vehicle declared a total loss on XXXX XXXX XXXX 

proration of the difference in the insurance collection that was taken on XX/XX/, for a value of {$1400.00}, payment one year in advance and which is financed by westlake financial I am demanding the credit in the amount of XXXX since I only had possession of the vehicle for one month and Westlake Financial Services needs to adjust the amount in the final adjustment for the payment of the vehicle. 

They have threatened me with going into collections when I am only looking for an appropriate adjustment to close this case, with no response from the financial company Westlake Financial Services. 

I also find inappropriate and not correctly formulated the adjustment of the XXXX XXXX  company by the adjuster XXXX XXXX, assigned on XXXX XXXX XXXX I expressed the situation to XXXX XXXX but he ignored my requests and refuses to answer my questions. calls and email. 

I have tried to contact the adjuster on different occasions without receiving a response. 

Also My claim number is XXXX and my policy number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: GA
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:
There are two types of discrepancies in my credit file that has led me to believe that I have been a victim of fraud or my information is being crossed with someone else. First of all, there are two bankruptcies appearing on my report and I have never filed bankruptcy. Secondly, there are some accounts that do not belong to me and they are derogatory. I have tried to resolve this issue with the credit bureaus but it has not worked. I have attempted to pull the bankruptcy file from the courthouse for review but have not been able to retrieve any documents. I have also obtain on two separate occasions police reports to prove my case. The case numbers of those reports are listed within the fraud affidavit that I included in my disputes. So far, nothing seems to be working for me when it comes to clearing these errors off my report. I would like to have these items, which I will attach, deleted off my credit report in accordance with FCRA act 605b.

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 2023-09-20
Company: JPMORGAN CHASE & CO.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, My name is XXXX XXXX and I have been dealing with Capital One for some time now in which they fail to respond to my inquiries or answer my calls. They have been deeply affecting my credit for quite a few months now in which I was unable to come to an arrangement or agreement with this company so I am reaching out to the CFPB for help regarding this issue. Please see the attached documentation below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/, I am now speaking XXXX. I have had three codes sent to me because employees of Fifth Third do not know what they are doing. 

I have been on the phone for 3 hours now. XX/XX/, a supervisor within 5/3 attempting to do the balance transfer but it was flagged because it did not recognized the employee of 5/3. This happened two more times on XX/XX/XXXX XXXX The representative in customer service was " passive '' and did not correct the amount. He stated a balance transfer of {$4100.00} instead of {$4200.00} so we had to do the it all over again with the Fraud Department. 5/3 does not have a code for customer service on the telephone who are helping customers do the balance transfer. This resulted in 3 codes from the Fraud Department. XXXX XXXX XXXX    at XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XX/XX/XXXX Then on XXXX XXXX XXXX  at XXXX : XXXX XXXX messages sent to my number XXXX. 
Three codes were sent as follows : XXXX ; XXXX approved for {$4100.00}. 
This was approved. XXXX said it had not been approved. There is a recording where it was approved for {$4100.00} and your records can be secured by the court system. Approved on code XXXX for {$4100.00} is on record but the slow 5/3 employee did not know what he was doing and later changed it to {$4200.00} then problems again. 

I have been on the phone for almost 3 hours now due to the inability of 5/3 bank to know that an employees of 5/3 in corporate 5/3 were the ones processing the balance transfer. The INTERNAL COMMUNICATIONS WITHIN 5/3 IS HORRIBLE. 
3 HOURS WASTED. 
STILL NO BALANCE TRANSFER. XXXX WOULD NOT LISTEN TO THE PROBLEM. I NEVER EVER WISH TO SPEAK TO HER AGAIN. I TOLD HER TO GET OFF MY PHONE THAT IF SHE KEPT SAYING THAT MY BALANCE TRANSFER WERE NOT APPROVED THAT I WOULD TAKE LEGAL ACTION. THERE WAS AN APPROVAL FOR THE CODE XXXX ON TWO ( 2 ) RECORDED LINES THAT ARE PERMITTED BY LAW. SHE, XXXX, HAS GOTTEN 5/3 IN A LOT OF TROUBLE BECAUSE SHE DID NOT LOOK PROPERLY AT THE RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute about 3 names that I never used. Experian deleted two of them but left one of them in tact on my credit report. Probably so some illegal immigrant can use a copy of my credit report that is up to a year old and a fake id and social security card from XXXX XXXX. in the City of XXXX XXXX to secure credit on a secondary market.

I had to contact the Consumer Financial Protection Bureau to get Experian to delete the first two names and also consolidate several different formatting of the same address into one address.

I had previously noticed that one of my employers was listed twice and upon looking closer, I noticed it is a fraudulent misspelling. My employer is based out of XXXX, WY and I noticed a similar name had been registered in Texas which I was disputing with Federal Regulators since I am an XXXX  of that company.

Experian also has 3 phone numbers which do not belong to me on my credit report which it did not remove.

In addition to the fraudulent " aliases '' and the fraudulent name of my employer and the 3 phone numbers which do not belong to me, Experian refuses to remove old addresses. Some of them are my old addresses and it is my understanding credit reporting companies have to honor deletion of old addresses as long as you have had the same address for at least 2 years. They are refusing to do this.

The most frustrating part is that one of the addresses which I never lived at was provided by XXXX. I had a XXXX  account from XX/XX/XXXX to XX/XX/XXXX and closed it in XX/XX/XXXXbecause it never showed up on my credit report and it was marketed as a way for me to build credit. It was always paid in full.

XXXX  first reported to Experian in XX/XX/XXXX. 5 years after the account was closed and apparently with a wrong address.

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 2022-11-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 2019-05-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To CFPB, I opened a XXXX gas car account 6 months ago, I love XXXX gas its the best, I used very little of the available funds, I had set up auto pay but always, ALWAYS paid weeks before the bill was due. I had set up my personal bank account to pay reoccurring payments and at the end of the month there is no or little money left until I replenish the account for the coming month. In XX/XX/XXXX of  this year I accidentally paid manually before the bill was due and before I had actually replenished my pay account at my bank and it ended up showing NSF in spite of the fact I still paid it BEFORE it was due. Then on the XX/XX/XXXX of this year I forgot about auto pay and paid manually on the due date. Well as it turns out the auto pay sent the automatic pay request into my bank after the payment had already been received and paid by my bank so the payment was made on time but he auto pay payment was rejected this led to another NSF but it had already been paid. Then the bank closed my account not taking into account that there was a mistake made, when I contacted Synchrony bank they ask me to send in proof that it had been paid, I did so, they have the proof. when I contacted them again on the XX/XX/XXXX and inquired about the matter I was treated rudely which caused my great XXXX which I suffer from, and XXXX also, I'm not supposed to be stressed like this. The reps were rude and said that they would not re open my account in spite of my no late pay record. 
This was a beloved account for me because I love XXXX, and should not have been treated this way.

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 2022-08-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXX Bank and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. XXXX and XXXX both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
XXXX asked us to file this report and upload it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
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:
I resided at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 
I resided there from XX/XX/XXXX to XX/XX/XXXX. During my residence there, I was never evicted. The apartments filed three judgments against me with the XXXX XXXX XXXX Court. The leasing manager, XXXX XXXX, drafted and filed a letter with the Court showing that all judgments were satisfied. However, I have attempted to apply for a rental home and apartment and the judgment remains on my public record : XXXX XXXX. XXXXXXXX XXXX ( Filed on XX/XX/XXXX ) {$970.00}. I called the XXXX court and they confirmed the judgment is satisfied. This is also confirmed on the docket. I have a stamped copy of the satisfaction of Judgment. 

XX/XX/XXXX Image Document Satisfaction of Judgment XX/XX/XXXX Image Document Satisfaction of Judgment The lawsuit was filed by attorney XXXX XXXX XXXX at XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. Phone : XXXX. 

Every third party the apartment or property management company for a rental home is denying me. They won't accept my proof. The attorney XXXX XXXX XXXX, XXXX XXXX XXXX Court, or XXXX XXXX XXXX should resolve this matter. I checked Experian, XXXX, and XXXX, and the judgment is not listed on it. This must be on a third-party tenant database.

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 2020-06-05
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with XXXX from XXXX XXXX XXXX XXXX on XX/XX/2020 in regards to a debt with XXXX XXXX XXXX. I asked if they would be able to send the debt back to LDA and she stated no. I then offered to pay the amount owed of {$130.00} in exchange for the account being deleted from all three credit reporting agencies. She stated they would request to have the account removed once payment was made. I proceeded to give her my card information to have payment debited from my account on XX/XX/2020. She stated the receipt would be available through their website on XX/XX/2020, however it wasnt available until XX/XX/2020. I check my credit report today XX/XX/2020, and the account is still reporting to all 3 credit reporting agencies.

Company response to consumer: Closed with explanation