BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
My account was closed XX/XX/XXXX with FedLoan, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today FedLoan will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. FedLoan servicing is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why Fedloans are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with FebLoan anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been trying to get my account unlocked since XX/XX/2022. I have spent hours talking to them about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Affirm Holdings, Inc
State: FL
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 customer service

Complaint:
I bought XXXX dresses from XXXX  and paid using Affirm. The dresses were of poor quality and I returned both to XXXX  and received email acknowledgements on XX/XX/XXXX that both were received. I have the email receipts. 

I saw that I would be charged for another installment for each dress on XX/XX/XXXX. I contacted Affirm 's online help the rep stated that credits were showing on the account for both returns. I asked if I would be charged anyway and he stated there was nothing he could do. He suggested I write Affirms website : XXXX XXXX XXXXXXXX Sure enough my account was debited another payment for each dress again on XX/XX/XXXX despite the fact that their online rep acknowledged the credits in the system. Subsequent follow ups discussed the wrong purchase. 
When they know I no longer have the merchandise and cage me this seems like fraud. Also I don't know when, if ever, the merchant credit will show up on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: WELLS FARGO & COMPANY
State: MD
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:
Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The Wells Fargo Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.

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 2023-10-25
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Freedom Mortgage bought out my previous mortgage company as of XX/XX/XXXX. Prior to the buyout, my monthly payment was {$820.00} inclusive of mortgage, taxes, insurance, and FHA Mortgage XXXX. 

As of XX/XX/XXXX, I canceled my previous XXXX XXXX as I was able to bundle XXXX with XXXX for much cheaper. From day one, they were charging me the wrong fee for my insurance payment. 

My new payment is now {$880.00} which I have questioned as my taxes and Insurance have decreased and as such, my new payment should have reflected the revised Insurance and taxes. Over the course of a year, I have received numerous statements with different analyses of my escrow, all of which all incorrect. My mortgage statement dated XX/XX/XXXX states once again that I have a shortage in my escrow in the amount of {$1600.00} and therefore, my payment increased to {$980.00} which will be spread out over the course of a year. I have several statements which I can forward upon your request. 

I have a fixed rate of 2.5 % FHA Loan and last year I was informed by a rep that I could pay my taxes, and XXXX XXXX separately all the while explaining I am not eligible due to the type of mortgage I have. I was also informed once I reach 80 % loan to value, I could drop the PMI again explaining that insurance remains for the duration of the loan. 

My monthly payment is {$880.00} of which {$520.00} is the monthly principal and interest payment and the remainder of {$350.00} is to pay XXXX, taxes, and PMI. The math doesn't add up as {$350.00} x XXXX is {$4200.00} of which is to pay yearly taxes of {$1200.00}, XXXX {$1500.00}, and FHA Mortgage XXXX {$1000.00} which totals {$3800.00}. There are numerous complaints against this company and I am asking for my escrow to please be reviewed and resolved as I can not continue to spend countless hours on the phone to get this matter resolved. I have lost countless hours of sleep and it consumes my everyday tasks, especially my job.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had a debt of child support and I have never been put on child support. I did some deeper investigation and I was told that someone used my name to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. These are fraudulent accounts. 

XXXX XXXX XXXX XXXX {$8500.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$14000.00} DPT ED/XXXX XXXX {$62.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: PA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : 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.

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 2023-04-25
Company: I.C. System, Inc.
State: NJ
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 just pulled my credit report and found items that are not mine on my report. 

There is a XXXX account opened XX/XX/XXXX on my file. I was XXXX from XX/XX/XXXX till XX/XX/XXXX. There is no way I could have opened this account. It is fraud. I have tried to dispute this previously to no avail. 

There is an account with IC Systems that was a XXXX account. The service address is an address that I never lived at on XXXX XXXX in XXXX. I did not reside at this address. Again I have disputed the account with IC Systems and XXXX previously with no results.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Delete XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-10-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received 2 emails claims they are going to close my Amazon -chase credit card. 
And want additional information My acct is fine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Bayside Capital Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a voicemail on my work phone from a XXXX XXXX stating she was from Bayside Capital Services LLC calling to collect a debt and that there was a " legal document '' that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email ( which said that if they didn't receive a response in 30 days, they would consider the debt valid ). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this " legal letter '' was going to be delivered to my place of work. I told her ( per the letter I was sent ) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account ( she lied and said it was and that is how they got the number ). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Niagara Central Revenue
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A fraudulent company called XXXX keeps calling me and requesting for me to call them back. They have been calling me for over a year. I do not know what it pertains to, but I did a search on them by XXXX  XXXX scam, and the XXXX XXXX XXXX appeared with multiple complaints saying the same thing. The complaints say that the company is a scam, and they are not a legit company. Like most Scammers, this company keeps calling me as is the case with those other complaints. If this was a legit company, I would have received a letter with supporting documentation. I don't owe anyone anything. I keep all my bills current. They have called me many times!!! Their most recent phone call was yesterday, XX/XX/2023, and a woman named XXXX left me a message requesting that I call her back at XXXX. I have yet to have any communication with this " company '' because I already know they are scammers. I have never received anything in the mail. I do not want to get on the phone with them because they might record me such that they ask a question, and I respond, and then later they re-record the conversation with a response that seems like I agree with them. Again, I have never had any communication with them ever! I am not sure where they are located, but I think they may be in XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: IL
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:
Equifax, XXXX, and XXXX have ruined my credit by using student loans that are deferred since covid hit. My addresses arent correct which there is no way to dispute that i can find. They will not allow me to dispute any inaccuracies in my accounts. There are several accounts not even listed on my credit report. All three credit reports are not even close to the same. This is why i believe these agencies are working for the companies and sure dont care about the consumer. This is biggest scam ive ever seen on keeping the average citizen down. Heres a thought, how about you teach this in highschool. Ive never ever had anyone explain this to me ever. The process to even dispuye anything is so complicated that its in the companies favor so much so that this should be illegal! I want to write a letter to Congress. I cant even get a loan to buy a {$18000.00} that is worth XXXX when i make XXXX something is really wrong with that. you cant ever fix your credit once you XXXX it up. its not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted numerous requests, made numerous phone calls, and submitted documents to Pentagon Federal Credit Union ( PENFED ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year. 

PENFED had added a Collateral Protection Insurance ( CPI ) to my current Auto Loan. Which also took me making numerous of complaints, calls and document submissions to have it removed. The CPI is PENFEDs excuse for reporting my loan XXXX days late. The CPI has since been refunded and the actual refund date was the same as the start date of the CPI. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at PENFED ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect CPI would eventually reflect accurately as before the CPI was added, as if it was never added. This has not happened. Again, CPI was refunded but my account is still reporting XXXX days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus. 

Only recently had my account been late due to unforeseen Family circumstances, but it has never been XXXX DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with PENFED is affecting my livelihood and career. As, I am Military and are due for my Background/Clearance Review and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The XXXX XXXX XXXX of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.

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 2020-02-26
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: Account status incorrect

Complaint:
experian will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX  XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter. 
experian also failed to reply back to me on this dispute 2 in which the took over 30 days which violates fcra law on dispute resolution time.

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 2023-10-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The bank reported a deliquent account which they were supposed to close. I went into the bank to close all accounts and paid to have the accounts closed. Before leaving the bank I was told that all accounts were closed. However, I received a 30 day delinquent notice on the credit line which was supposed to be closed. I worked with their team to discover what caused the issue and learned that the staff did not know how to navigate and properly close the accounts. They acknowledged their error, with their credit team ( on the phone line, i walked to the bank with the bank 's credit person on the line ) on the line and and was told that they would resolve the issue. This was over a year ago and I'm still trying to get help to resolve the issue. I've contacted credit buearus, multiple contacts at Citizens and have missed work trying to resolve this. Although I received letters from the bank stating that they would remove the delinquent marks, they continue to report the account as having been past due XXXX and XXXX  days. It's been a vicious cycle and I'm tried to resolve this amicably but have had no success. The issues has also delayed me from move forward with other personal matters such as relocation and job advancement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Lendmark Financial Services
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without any written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation