BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I applied for a XXXX  XXXX credit card I received a denial letter. The reason they stated twice on each one is incorrect. I am uploading the denial letter. The one reason they state is delinquent past or present obligations. There are 3 accounts on my XXXX credit report that do not belong on there. I have disputed these accounts several times. One account XXXX  XXXX XXXX is past the 7 year time barred. The other 2 do not belong on there either. Having this incorrect information is causing me to be denied credit. The other reason they gave is lack of mortgage information. I dont own a house and Im sure there are a number of consumers do not own houses and have a mortgage. I feel this excuse to not issue me a card is inexcusable. I have a 100 percent payment history on all my accounts. After applying for this card dropped my credit score due to the inquiry. I was told I have great approval odds. I am complaining because of the wrong information on my reports is causing me a hardship in obtaining substantial credit.

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 2020-02-05
Company: Nelnet, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started off by Attacking Multiple Accounts Found on my credit file Various Accounts were reporting wrong but the one thats was the most obvious to be was the student loans my student loans have been Forgiven for about a year yet hear on I am a veteran of the military my loans were forgiven through a XXXX  discharge. 


FURTHER MORE THE INCONSISTENT HISTORICAL PAYMENT CALENDARS ARE LACKING IN ANY ACCURATE INFORMATION THEY ALL DISAGREE WITH EACH OTHER AND BEING THAT PAYMENT HISTORY IS 35 % OF MY CREDIT CORE IT IS RECOMMENDED THESE CALENDARS TO SHOW PAID AS AGREED NEVER LATE. 

Please marked the Erroneous student loans as paid as agreed never late. CLEAN UP ALL CALENDAR HISTORY TSO IT DOES NOT AFFECT MY PAYMENT HISTORY IN NEGATIVE FASHION. 


DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MAIL ONLY Account type : Installment DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX MAIL ONLY DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX   XXXX, IA XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, IA XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-09-25
Company: WELLS FARGO & COMPANY
State: CA
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: Was not notified of investigation status or results

Complaint:
On multiple occasions i made appearances physically inside 3 seperaate branches of the bank, so i could speak to the branch mananger in prrson about all of the issues and problems i was experiencing with Wells Fargo. I also contacted their customer complaint department on 4 seprrate occasions with no resolution they expidited my complaint to upper managment and i haven't heard a word from them since the last call i made to them and that was XXXX of XXXX. I knew about the Banks illegal activities and their fraudulent Morgage practices and illegal kickbacks back in 2021 because i was being scammed by them personally. They were involved with XXXX XXXX XXXX and the Apartments I still live stealing government funds from HUDS section 8 vouchers.

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 2019-07-11
Company: CITIBANK, N.A.
State: CA
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 paid for a hotel stay with my CITI Credit card and was billed twice by XXXX XXXX. I submitted a charge back for the duplicate charge and figured it was resolved. A couple of days later, i received a communication from CITI that they have concluded their investigation, and that the determined that the charge was correct. When I looked at the attachment, i noticed that XXXX XXXX included a one page print out stating that I was a no show for the stay. My complaint was for a duplicate charge, i did agree with one of the charges. I proceeded to respond to the denial of claim, and write out a moment by moment account of what happened. Essentially, i called and asked for a room at XXXX XXXX, the said the could hold one if i gave them my credit card. I gave them my number, and when i showed up to the motel, they swiped it again. This is how i was charged twice. CITI responded with saying that they believed that the other charge was the incorrect one, and sent it XXXX XXXX. XXXX XXXX responded with my booking information, my name and my stay and CITI again reversed the charge and said that their investigation was complete ruling against me. 

I believe CITI Credit Card 's incompetence is harming the public. By blindly rubber stamping any reply from merchants i believe CITI is allowing merchants using their CITI 's services to commit fraud against the public. Based on XXXX XXXX 's response i believe XXXX XXXX is intentionally trying to double charge people, and utilizing CITI credit card laziness to facilitate their fraud of the public.

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 monetary relief
Consumer complaint received 2019-01-23
Company: National Credit Systems,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: Account information incorrect

Complaint:
My credit report is continuously showing a balance owed to National Credit Systems that is steadily increasing. Original creditor was XXXX XXXX. I did live here in 2012. There were some serious issues with the apartment complex ( mold, my apartment was broken into and robbed, my car was broken into twice and a homemade bomb was placed on a car in front of our building that blew the car up ). The final straw was when my apartment was broken into and robbed, I then proceeded to get a hold of the manager of the leasing company, after multiple attempts, I was finally able to reach her to explain my situation and that I no longer felt comfortable in my own home with my XXXX  baby. She stated that I only had 2 months left of my lease so she would agree to let me out of my lease early as long as I was out by the end of that month, as my rent for that month had already been paid. I did as she asked and left the apartment clean before the end of the month, leaving my keys in their drop box. About 3 years later, I tried applying for an apartment complex in my local town who informed me XXXX XXXX reported I owed them $ XXXX- {$6000.00} for breaking my lease. I was never, not one time, contacted by them to have this settled from the beginning, by the time I was aware, it was too much for me to pay, as well as I felt like I wasnt responsible for this as the manager had verbally agreed I could leave with no problems. Now here we are over 6 years later and I can not find anyone to rent to me due to this and National Credit Systems is continuously increasing my balance, which I was informed is illegal. Once a debt is in collections, it should not accrue interest of any kind, is what I was told. My XXXX children and I are facing homelessness purely because of this issue. I currently work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with steady income and need housing by the end of February and this is making it extremely hard for me. I have been trying to get this dealt with for so long, on so many different occasions and have gotten no where! The balance is now up to over {$11000.00} and there is no way I can get this taken care of before XXXX, especially considering I shouldnt have owed any money to them in the first place. And, why is it steadily increasing?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: NC
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:
I have a lot of inquiries on my credit report from XXXX  that I dont recognize ... Ive updated a fraud alert in the past and they do not suppose to let anyone check my credit without contacting me first ... these inquiries shall be removed immediately started from XXXX XXXX until now! I did not authorize my credit to be pulled ... and this includes Equifax and XXXX  ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar for the past two years has not made my insurance payment via escrow. In XXXX, I received a cancellation notice from XXXX XXXX XXXXXXXX due to lack of payment. I then conference called both Flagstar and XXXX XXXX XXXXXXXX to resolve the problem. In XXXX, it happened again. On XX/XX/XXXX I conferenced called both again to resolve. A check was supposed to be overnighted and the insurance would be updated. Yesterday I was working with a refinance company and found out that the insurance was never paid by Flagstar but there system was updated as the insurance was good until XXXX which is not the case at all. Our house has been unprotected since XX/XX/XXXX, XXXXdue to Flagstar not making a payment.

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 2023-09-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, My checking account was restricted with Chase Bank. They said my account was being close and wishes to not have me as a customer, did not give any information beyond that. There was {$18000.00} in my joint checking account. 

I called every week, they told me 10 business days later they would over night a check of my funds. 

On XX/XX/2023. I called and a representative told me she did not see any funds being released. I escalated to a supervisor that did confirm the funds, but they were withdrawn to an internal chase account to their internal investigation bureau. I asked for contact information with this investigation bureau and was told there is not way to contact them and to just wait. Could not tell me how long to wait, and just wait.

Chase did not send me a letter in the mail, or contact me. I only found out my account was restricted when a friend tried to send me money through XXXX, that was when I discovered my account was restricted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ive been back and forth with cash app to get my direct deposit and account number so I can change my bank to my new account that I opened because they closed my account and they wont give me my info and I keep calling and they said they cant give me that information even though its my information. Now Im having to deal with them to get my money direct deposit to my new account. Im having my check on hold with social security because cash app wont give me this information. Its beyond ridiculous and frustrating how they are handling this. And they closed my account because I filed a dispute because someone used my account and I reported it to them to inform them what was going on and they said they closed it because of this disputes. So its okay for someone to use my account without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello Ive disputed this account before with XXXX system. They are reporting a collection as an open and past due account. They are also sending me a bill for XXXX but reporting {$190.00} to credit bureaus. This is inaccurate reporting. I am keeping dispute letters on file and their responses. My next step is to file a complaint with the state attorneys office if this item is not removed. I also asked them to cease all communication and they keep contacting me. I attached a copy of the collection for your reference

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 2023-09-25
Company: Ocwen Financial Corporation
State: TX
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:
I appied for extention for XXXX payment due to loosing my job and spouse being sick. 
I decided to appy for assistance then findour PPH Mortgage reported my mortgage being one mont delinquent on my credit report while waiting on them to response to my extention. Therefore, the note will show late another month while waiting on them to correct this problem. PHH mortgage stated it will not be corrected even if it was their problems. Its just taking months to approve an extention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Mortgage Research Center, LLC
State: MI
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 a XXXX XXXX XXXXXXXX XXXX  was told by a real estate agent to go on line and get information from Veterans United Home Loans to compare rates. I went on line filled out the XXXX portion of inquiry- after putting in my information I realized that this was a pre-approval form for a loan. I did not continue with the form but closed out screen. Today my husband received a letter of stating the application had been closed because they did not have all my information. It also, states that this action is not reported to the credit bureaus. And does not affect your ability to apply with another lender or reapply with Veterans United Home Loans in the future. 

This company ran a credit bureaus hard inquiry- insisting I gave them the authority to do so,. If I had then they would have had all the information they needed and the application would have been complete. 
When I call them to have them remove the inquiry they argued with me ( one supervisor stated that he was the only supervisor and I had to talk to him!! He LIED! ) I called back and was given " ANOTHER SUPERVISOR '' hearing laughter in the back ground. They refused to remove the inquiry and now my credit rating has gone down XXXX points- And if I wanted to I could not get any loans period because it has taken my rating in the low XXXX 's. 
My husband and I both have a back-ground in XXXXXXXX XXXX XXXX  and we know what they are doing is incorrect. 
I am sure they have done this to other XXXX. 
And I feel they need to remove this inquiry.

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 2023-09-25
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 2023-09-27
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX continues to report inaccurate information on my consumer report. This inaccurate reporting is causing me to do business in food faith. 

My name is XXXX XXXX. Remove any other spelling of my name it is not mine. 

My address is XXXX XXXX XXXX XXXX, GA XXXX. Remove any other address it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AES sold my private student loan to another company XXXX XXXX  without telling me. Then this guy throws it in my face about a purchase for a vehicle and I should be able to pay for the 40 % increase in funds needed to satisfy my loan. I never knew he made the inquiry nor the increase in monthly until I paid my old amount and that was not enough and considered a late payment with fees on top of the already increased monthly total. I paid this loan for 3 years and had paid more than 20 % ahead of time and then AES sells it to another company who increases everything. This was plain and simple extortion. It was completely hidden from me and then this man was threatening me via text and on the phone describing my purchases. I make a purchase that is my buisness and obviously I was able to make it. You should not be able to base my loan amounts monthly payments on what purchases I make. They are doing reverse income payment on me. I made all my payments for 3+ years and paid down almost 10 years on the loan so AES sold my loan to a shady company that more than doubled my loan by increasing interest more than 10 % and my monthly amount by 35 %. NEVER DO BUISNESS WITH AES there are other ways.. They are an extortion company with illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: AL
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:
Equifax is reporting and account that has been removed from two other Credit Reporting Agencies report. The account is XXXX XXXX XXXX. Ive tried several times to dispute this on Equifax website. XXXX and XXXX have already removed this account.

Company response to consumer: Closed with explanation