BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: TX
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 have disputed accounts on my consumer report, reporting inaccurate information. XXXX, XXXX, and Eqifax is showing inaccurate and misleading on the following accounts... 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
How are you doing during covid19 and how you during this pandemic? I was shocked when I reviewed my credit report and found late payment on XX/XX/2020 for 30 days during the covid-19 pandemic.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2018-07-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I got behind when I lost my job and we couldn't pay my mortgage on only my husbands salary while feeding our XXXX kids. 

I now have steady employment and make enough money to pay my mortgage, I applied for a loan modification and was denied because my lender says I don't make enough money to pay my mortgage. I just received a substantial pay raise and sent evidence to my lender but they Have not removed the XX/XX/2018 sale date nor have they reviewed my new income. They told me I have to wait for the denial letter before they can review my new income/loan mod application. We don't have time there is a sale date XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Flagstar Bank, N.A.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received a chapter XXXX discharge on XX/XX/XXXX. 
I received a loan modification from my lender ( Flagstar Bank loan # XXXX XXXX on XX/XX/XXXX. 
Flagstar Bank is NOT reporting my mortgage payments to the credit bureaus. 
I have called and e-mailed them numerous times and they stated they are reporting. 
Thank you for your help! 
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 explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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:
I am writing in reference to the XXXX day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the XXXX XXXX credit bureaus Experian, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX via phone but to no avail. 

Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with Experian but they seemingly only forwarded my dispute to XXXX XXXX XXXX. 

On XX/XX/XXXX I got a response from Experian that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from Experian ) Attachment Summary : XXXX ) Copy of my XXXX bureaus credit reports circled the erroneous reporting XXXX ) Copy of dated check sent for payment XXXX ) Copy of Postal Receipt XXXX ) Copy of my letter to XXXX XXXX XXXX  XXXX ) Copy of the response letter from XXXX XXXX XXXX XXXX ) Copy of response letter from Experian

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 2019-08-14
Company: Midwest Recovery Systems
State: VA
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:
Midwest Recovery Systems posted a collection on my credit report for a medical bill that belongs to my daughter who is XXXX yrs old. I carry insurance on my daughter, but do NOT sign to be responsible for her bills in any way. I have called the company and asked them to remove this as it was not mine or to provide me proof that I signed a responsible party paper at the time of the dr visit - they cant or wont do either one. I have disputed with XXXX  3 times as well as called, begging them to help me take it off as it is not my bill & has dropped my credit score by 17 points! I realize its only {$31.00}, but this is NOT MY BILL to pay and should NOT be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Inaccurate information on my credit file. This has cause XXXX XXXX issues..Reporting wrong information on credit history report is wrong. Seeking compensation for wrong information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The 1098-E shows {$990.00} was the total interest paid to the loan in XXXX. In XXXX I only paid interest totaling {$420.00} and there was no outstanding interest in XXXX. 

The servicer can not advise what period this paid interest is for for the 1098 E or other periods of capitalization. I would like to know : 1. What loans had capitalized interest, the amounts, and periods for XXXX through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I have XXXX private student loans through Navient and XXXX out of the XXXX are showing past due dates from date ranges of XXXX with past due amounts. The reason for this is I went into forbearance and they never processed this the first time around and instead of fixing the problem then kept charging me. Due to the lawsuit made against Navient on the XXXX of XXXX I feel this negative marks on my credit report should be removed. Navient is unfair and unwilling to work with any of its customers. 

I do not have any documentation, but was in a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 disputed charges from an airline about two tickets purchased on XXXX XXXXBoth charges for {$280.00} each were take off while capital one was waiting for merchant to respond. On XXXX I call when both charges were re-billed on my credit card.The lady at capital one said the merchant waited too long over 180 days to respond back, and that I will be getting a credit for both charges.I called back 15 days later to say I haven't received the credit .and was informed the dispute wasn't resolved.They said merchant response was lost in there computer, and that the 90 day rule won't be use.I advised I was going to file a complaint with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: MI
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:
EXPERIAN has XXXX  my FEDERALLY protected consumer rights.

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 2022-02-03
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NELNET has totally and completely screwed up my total and permeant disability discharge on my credit reports and is reporting multiple duplicate accounts, FOURTEEN IN TOTAL, with grossly incorrect information and lies!! NELNET reported 14 accounts, NOT 7 discharged paid zero balance accounts and is dropping my credit score by XXXX points!! STOP THIS clear up my credit report! NELNET is reporting incorrect inaccurate information AND LATE PAYMENTS to ALL THREE credit bureaus, XXXX, XXXX and XXXX and this needs to be cleared up NOW!! There shouldn't be 14 accounts!! It should say 7 accounts, good payment history, CLOSED ZERO BALANCE, SEVEN ( 7 ) student accounts not 14!!

NELNET IS PREVENTING THIS XXXX VETERAN FROM PUTTING A ROOF OVER HIS HEAD BECUASE OF THIS GARBAGE!! I HAVE FILE A COMPLAINT WITH A US SENATORS OFFICE AND THE INSPECTOR GENERAL AS WELL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TransferWise Ltd
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I set up an account with TransferWise several months ago. It took them a very long time to verify my identity and get me a debit card -- much longer than they promised. But when the account was finally established, I linked it up with my Massachusetts unemployment payment via direct deposit. But the first two payments of {$2100.00} and {$1400.00} never arrived in my account. I contacted TransferWise approximately 25 times over several weeks to try to get to the bottom of this. But they kept asking for more information and more information. I obliged them every single time. But they did nothing. It has been several months now and they still haven't given me my money. 

Eventually, a TransferWise customer service representative sent me a message over XXXX XXXX saying the deposits were rejected because they can not " accept deposits from the United States federal government. '' I replied that the State of Massachusetts is not the federal government. They said they would look into this. 

Since then, my more recent direct deposits from Massachusetts unemployment have indeed been coming into my account. This shows there is no problem with TransferWise receiving money from Massachusetts unemployment. But the question remains what happened to my {$3500.00}? Massachusetts unemployment told me that they sent the money and that it was never returned to them. 

After several months of contacting Transferwise, they still say they are " investigating. '' But they have made no progress and they still have my money. I need this money to live.

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 2023-06-29
Company: EQUIFAX, INC.
State: CA
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 have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
If you look back I have complained about Well 's Fargo Home Mortgage. I am now once again lodging a complaint re : their ineptness. I pay my mortgage on time, & in fact I am ahead in my mortgage payments. NOW I receive a letter stating a review was done & my escrow account is short by $ XXXX!!!!!!!! This is NOT the first time this has occurred. I am TIRED of their incompetence! For a financial institution there are a # of faulty processes. I have choice to pay one time shortage payment OR pay shortage over the years period raising of course my monthly mortgage payments. Either option is a burden on me since as a senior I am on a fixed income ... .The working processes & daily functions of Well 's Fargo truly need to be reviewed .... how can a financial institution be so FAR off in how much is to be set aside in my escrow to pay my taxes etc.???? It is deplorable! PLEASE look into their procedures & WHY does this frequently occur. Again, this is NOT the first time according to Well 's Fargo my escrow account has been short. PLEASE investigate them, PLEASE!

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 2023-06-29
Company: EQUIFAX, INC.
State: TX
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 am a victim of identity theft this is my second request please see documents attached

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase is increasing escrow reserves on mortgages over a reasonable balance to maintain and use funds in escrow over the amount required to the detriment to the borrower and to increase funds for the bank investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: MA
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 previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$57.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} COLLECTIONS XXXX {$120.00} XXXX/XXXX   XXXX {$190.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$6000.00}

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 explanation
Consumer complaint received 2023-02-21
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have the chase sapphire reserve card. Or I did. I was upset yesterday on the phone and cancelled. 

Here is my complaint : On XX/XX/XXXX, I tried to take advantage of a zero percent balance transfer for 12 months that was being promoted. I was confused by a notice I got that said it would be included in my overall balance and was afraid Id have to pay it off immediately if I continued automatics payments as I had set up to pay in full. I called to inquire before doing the transfer. My impression from that phone call was that I could turn off automatic payments and pay any balance over the {$12000.00} I was planning to transfer for the 0 percent apr for 12 months. My impression was that if I did this I would avoid additional interest and fees on other purchases. Its possible I misunderstood, but this was my impression. I did the transfer and paid the 5 % transfer fee of {$600.00}. Ive noticed several fees since then so I called yesterday to inquire. Im told that when I apply payments above the minimum amount due that it automatically goes to the lowest interest in my balance. ( My balance transfer is now down to something in the {$9000.00} range ). They say that I can not specify that I want my payment to go toward other purchases first. The only way to avoid paying interest on new purchases is to pay off my transfer first. Im not the most credit savvy but a brief search online tells me the credit CARD act of 2009 should allow me to pay higher interest first. The person I spoke to yesterday tells me that, even if they reviewed my call from XXXX before I did the transfer and they confirmed I was told by their agent that I could pay any balance above {$12000.00} and not accrue more fees for interest, it was false information from their costumer service and legally Id still have to pay off my zero percent transfer before I can apply any payments to higher interest purchases and be accountable for all interest fees Ive already accrued. This feels very deceptive at a minimum. Is it legal for them to not allow me to pay my balance toward higher interest purchases first?? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
i deposited a check for XXXX dollars on monday at XXXX XXXX .. the teller said that XXXX was available immediately and the rest a day or two.,, wells fargo put an 8 day hold on the check because i had late fees and they wanted to hold it .. i am XXXX and unemployed thats money i need to live

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation