BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: American Collection Systems, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a notice of a debt from American Collections Systems in XXXX for a debt I did not owe. XXXX XXXX, XXXX in XXXX, WY tried to charge me for damages to a rental townhouse I rented from XXXX. Rent was paid on time and there is no dispute that rent was owed, however, months after I left the premises I was sent a charge for over XXXX dollars for supposed damages incurred by me. The damages were present before I moved in and a checkoff list with walk through was performed in XXXX when I first moved in. The carpets were cleaned but the walls had not been painted. All damages were noted at that time. Later the owner of the renting real estate group was sold to XXXX XXXX, XXXX. They, XXXX XXXX, did not perform any walk throughs with me before or after my moving out of the residence. A water pipe froze in XXXX in the garage which leaked through the kitchen wall causing the outlet to the refrigerator to burn out and shorted other wall sockets. The kitchen and living room were filled with water. I cleaned as well as I could and called XXXX XXXX who sent out a cleaner but the cleaner only sprinkled some white powder on the carpet and a few hours later came back and vacuumed the carpet. The carpet was never lifted up and this resulted in damage to the subfloor. This was the damage that I was being charged for along with other small problems noted on the original walk through in XXXX. I told XXXX XXXX and later American Collections Systems that these were fraudulent charges, but they denied this claim and notified the Credit Bureaus that I owed this debt and have hurt my credit history making it difficult to rent these last 7 years. XXXX XXXX claimed that my dog must have peed throughout the first floor and caused this damage? This should be removed from my XXXX XXXX as I did not cause any damage to the property. My next door neighbor went though the property the day before I moved and confirmed the town house was in good condition, better than when I took possession of it in 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 2023-03-16
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: Personal information incorrect

Complaint:
I am contacting you because I am concerned about the accuracy and honesty of your companys data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers.

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 2022-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over the past 9-12 months. I have had several financial issues that have stemmed from potential theft, to temporary freezing of my assets due to unknown parties attempting to access them without my permission. My primary checking account with J.P. Morgan Chase has has several issues. Transactions that happened more than a week ago are just now being posted. Credit line increases that have not been issued to my primary credit card account with them, as well as an abnormal credit line increase with concerning an Amazon XXXX rewards account where at the start, I was given a {$2500.00} dollar limit, then in no less than XXXX months, it increased dramatically to {$6500.00}. In 2020, I contacted J.P. Morgan Chase concerning a banker on their staff that I had known personally that may be interested in keeping a keen eye on my accounts with Chase due to animosity we have towards each other. That investigation resulted in zero findings, I am continuing to have issues with this bank, culminating in wire transfers that are being halted for reasons unbeknownst to me. I am requesting the CPFB to inquire into this bank and see if any unprofessional behavior is being committed concerning my checking account, my savings account, and my two credit cards I have with this bank. Specifically the rate at which specific transactions are being posted, as well as abnormal credit line increases. I visited a branch last week and they assured me that nothing abnormal has arisen. There is a strong possibility that my account is not the only one affected. There is a strong possibility that someone at this nationwide bank has given unauthorized access to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Third party search company company used by a property management company is reporting an eviction. Both myself and the landlord are trying to find out how to report this as an error and have it taken off. XXXX XXXX, the third party, says they have no ability to help and to contact Experian. Experian says it has no record of this YET I have documents which have prevented me from getting in lease in my own name which have appeared. I'm afraid to even apply elsewhere. This is madness. I feel like I'm being held XXXX. Where is this information being kept and how do I get it off my records?? Thank you and please see 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: TX
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 complained because, they charged overdraft fee like {$400.00} because, I didnt not have money to cover the but I did, they did not deposited on time just to charge me overdraft fee.

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 2019-06-20
Company: DISCOVER BANK
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had got a loan with discover loans 2 years ago for {$35000.00} Ive paid it down to {$26000.00}. I missed one month got it refinanced for 5 % a month the first payment was {$430.00} for 6 years. None of the first payment went to the principal. All of it to the interest there is no origination fee and discover can not tell me where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-05-08
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:
My student loan servicer- Nelnet has said that if I pay ABOVE my monthly payment, any amount above my monthly payment needs to be allocated towards any interest on my loan. They are not allowing me to put extra money above my monthly payment on principle. This should be allowed according to the student loan borrower assistance XXXX XXXX XXXX XXXX. I have made this clear to the department of education as well as Nelnet and have submitted complaints, the dept. of education simply forwarded the complaint to Nelnet and Nelnet responded by sending me a document with my " payment history '' and a letter telling me I must pay interest first. I was asking about future payments for after the Covid pause. Past payments are not relevant at all. I am getting the run around and no resolution at all. I have 14 federal student loans of various amounts and each has some accrued interest ( for those before covid ) I asked about payments over the phone on XX/XX/XXXX, and reached out and submitted a complaint through the dept. of education XX/XX/XXXX, then got a response from Nelnet XX/XX/XXXX. Please note Nelnet didn't really address this at all. I would be happy to provide documents, and loan details and email received from Nelnet if needed. These are unfair, abusive and deceptive practices to collect more money from the student loan borrower. Thank you for your attention on this very important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute with Chime for merchandise not received against a company on XX/XX/23 for {$38.00}. They closed my dispute saying merchant issue credit. I sent proof from the merchant showing that the credit was for another order so they reopened my dispute. 

They reopen my dispute and sent me a letter saying they issued me temporary credit for {$38.00} on XX/XX/23 and it was final. 
Ive emailed them multiple times advising they never issued credit to my account and they are violating regulations E policy and they never replied back. 

I told them to dispute the full amount charged now $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone else used my information to open an account. I 've never lived outside Oklahoma and this was an account from Missouri. I 've talked to them before and am told I have to file a police report. I work and have a family I do n't have time to hassle with a false account from years in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my account XXXX. They contacted me in a letter saying that I owed more than what I thought I owed due to a machine that they said that they sent me that I never received when I attempted to close the account and pay the money that I 'm supposed to pay I was told that I can not pay that off at this time until they figure out what happened to the machine. They also told me that not to worry about it being in collections because we 're not going to allow it to happen, two days later it was at collections and I was being told that I owed not only the money that they XXXX said, but another {$200.00} added from the collection agency. I called XXXX six or seven times trying to get this fixed and get it back to them and they promised me that they were going to take care of it which they never did meanwhile the new collection agency hounded me for 3 to 4 weeks calling me almost 5 to 6 times a day I again explained to them that the mistake of XXXX and they really did n't care to hear about it all they wanted me to do is pay off their collection fee and the longer it takes more money i will owe them. I again told XXXX that I 'm not going to pay {$900.00} when I only owe them XXXX bucks I did not hear anything back from anyone until I read that this now on my credit report. I have no problem paying the amount of money I owe to XXXX I never attempted to not pay my bill they 're the ones that stop me please do whatever you can to take care of this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Southwest Credit Systems, L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I awoke today to an email from the XXXX XXXX App stating that a new duragotory remark was added to my credit. This is from a company I do not recognize. Please verify the debt and that the info is accurate. This debt is likely too old to be collected given the current statute of limitations. Surely not proper notification by the fair debt collection practices act was followed. I do not think this debt is valid. Additionally I am financially impacted by covid19 natural disaster at this time. Please remedy by removing this from all negative credit reporting. Do this for all agencies you report to ; on both XXXX XXXX XXXX XXXX Please also provide me a written letter of exhoneration once this is completed. Your mishandlings on this file and any companies you may have bought this debt from are invalid. Please remove to avoid legal action and civil lawsuits for the aforementioned mishandlings. As you know false reportings and negative credit reporting greatly impacts ones life. Shame on you and the company who escalated this to you. Remove asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: CA
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:
Credit karma said I had offers with high likelihood I qualify for loans and cards but where false and I didnt qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: PLAZA HOME MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2023, I issued a certified check ( XXXX XXXX ) via my bank, XXXX XXXX XXXX XXXX ( XXXX ), in order to make an escrow payment to my mortgage servicer XXXX XXXX XXXX  ( XXXX ). On XX/XX/2023, the funds were made available to XXXX. I called ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, after I noticed that funds were not properly applied according to the instructions on the check. A Representative from XXXX was unwilling to answer my questions, so I asked the call be escalated. After being on hold for 26 minutes, XXXX hang up on me. I called back again at XXXX XXXX XXXXXXXX and requested to speak to a supervisor. A Representative from XXXX put me on hold for an additional 16 minutes, claiming no supervisor was available. XXXX was unprofessional and lacked accountability when I tried to resolve the issue before filing this complaint. XXXX failed to follow the instructions provided on the check and misapplied funds on the mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX - Account Info Account number XXXX Account status Closed Date opened XX/XX/2015 Account type Credit Card

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 2021-10-15
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This all started in XX/XX/2020 I notified the bank there were unauthorized transactions on my account dates XX/XX/2020 amount {$8.00} {$280.00} {$8.00} XXXX all on the same day from XXXX  XXXX  card to card location XXXX XXXX I do not know anything about XXXX they sent me some form to fill out I did and return them about a week or two later I tried to use my card it said it froze due to fraud suspension I called and called finally I got through and ask why was my account frozen they said I needed to send in my driver license and social security card I did so on a number of occasions so I called and always received a different answer now this has been going for over a year I did what they ask me to it has gotten to be too much I need my money I just want to close the account and received my money a year is too long for any bank. bank name direct express address XXXX XXXX XXXX XXXX XXXX tx XXXX thanks for some help in advance...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please delete the following addresses as they are incorrect and I haven't live there : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX. 

Please delete the following employers as I have never worked there : XXXX XXXX  XXXX XXXX, XXXX XXXX. 

Please delete the following inquiries as I didn't authorize these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief