BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: Bread Financial Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Been trying to speak to credit bureaus to dispute XXXX XXXX   but they say they verify its mine. They can not verify its mine because its not. Now I get phone calls and bill letters to pay them XXXX or I go to a Court Trail near my Residence. I have reported this Company twice to your branch and I still have gotten no were. Please have this Company verify me or remove this XXXX from my credit reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: AES/PHEAA
State: ID
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Called me at XXXX XXXX did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast  address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this NCA a  third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My son and I purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Fl on XX/XX/XXXX. As part of the new purchase, they agreed to pay the last XXXX payments and the end of lease charges for the car we were trading in. I called BMW Financial services in XX/XX/XXXX because I had forgotten to stop my automatic bill pay for the old car and had sent them a payment of {$560.00} on XX/XX/XXXX. To our surprise, BMW said not only were they not going to give me the payment back but that I owed another {$630.00} for " end of lease '' charges. Needless to say, I was irate. After being told its was XXXX 's fault, then XXXX saying it was BMWs fault, we talked to numerous people at XXXX XXXX to resolve ( XXXX, XXXX and XXXX ). They have stonewalled us for three months now ( they realize they didn't send enough to BMW ) kept saying they are reviewing, not returning calls, etc. My son even went to the physical address to no avail. All the while, BMW is sending us threatening letters to sue us or refer to agencies. Finally, with no end in sight for the stonewalling, we got a final letter from BMW threatening lawsuit and had to pay the {$630.00} on XX/XX/XXXX. THEN, we get a letter that BMW referred us to Collection Agency on XX/XX/XXXX. THIS IS CRAZY..they are ruining my credit! Please help!!! They owe us {$1100.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America has been servicing my home mortgage for years. I pay bi-monthly and recently XX/XX/XXXX and XX/XX/XXXX they started adding a {$4.00} payment process fee each time to make the payment. This has not happened in the past but recently started.

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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
My credit score went down from XXXX to XXXX. In a day. When I contacted XXXX  for an explanation they could not give me one. They said that nothing had changed on my report to warrant the big drop. I spoke with a supervisor as well. He also could not advise me on what happen or why. He saw no reason however he stated that they could not fix it. That they are not the ones who handle credit scores. I also submitted a dispute for something on my report that had already been deleted off other credit bureau reports back in XX/XX/2017. I asked for papers with my signature on them as per the FCRA. Those were never supplied to me. Per the FCRA if they can not supply me with the info I requested within the 30 day time from then the things that I disputed have to be removed by law. They did not follow the law as required. This is XXXX, XXXX and transunion. 
They are not following the laws they are supposed to be. They do not understand that not doing their job correctly affects peoples lives in a terrible manner. Some people like me I can not even get a place to live now.

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 2019-01-22
Company: WELLS FARGO & COMPANY
State: SC
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:
In XX/XX/XXXX, I submitted a written request to Wells Fargo for an adjustment update of my payment history to the credit agencies. On XX/XX/XXXX, I received correspondence from Wells Fargo Home Mortgage ( HM ) with the determination that the agency has been sending accurate account information to all consumer reporting agencies. As a special note, I have been working for the past year to get this information corrected, to no avail. 

On XX/XX/XXXX, I found that Wells Fargo HM continued to report inaccurate credit activities ( payment and account balance ) for my account since XX/XX/XXXX. 

On XX/XX/XXXX, I appeal to Wells Fargo to report my account accurately with a request for the reason why the agency suppressed reporting my credit payment and account balance activity. On XX/XX/XXXX, Wells Fargo ( XXXX XXXX ) reported to me that they will they are not required to submit monthly credit reporting activity with the correct balance and will not correct my account activities to any of the credit companies.

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 2019-01-22
Company: SYNCHRONY FINANCIAL
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:
Synchrony /XXXX  XXXX I have contacted XXXX many times and there refuse to stop reporting on this account after it was sold A clear violation of reporting They state You are reporting every month after it was sold I faxed to day XXXX  XXXX copies of your documents asking to remove this account from XXXX . Please Remove this account respond through the CFPB you will or refuse so I can proceed with what action I will need to take. enclosed are your documents and a copy of XXXX credit report 10 days from the date CFPB sends to you to respond is fair

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 2020-06-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have sent numerous letters to Equifax asking them to validate a Chapter XXXX BK that is reporting on my credit report. Equifax has responded back to my request indicating that the investigation has been completed and that the Chapter XXXX BK was verified by a 3rd party known as XXXX XXXXThis is what is mentioned on the investigation report ( this response does not define / comply according to the law as to what they call 'Results'- this is rather a statement from Equifax and not a validation as requested by me. 

They have also asked that I notify the data furnisher 'USBK Court XXXX   Florida ' as well. I sent a response to Equifax asking them the verification method that was used to validate the Chapter XXXX BK with XXXX XXXX - as well as who they spoke too, how the validation was conducted and phone number for the contact. They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by XXXX XXXX and that I should contact the data furnisher 'USBK Court XXXX  Florida ' as well. The same response is sent back to me as a generic answer to my request for my credit report. They never indicated the method of verification that was conducted with XXXX XXXX, who they spoke with and a contact number. Equifax has failed to legally validate the Chapter XXXX BK reporting on my credit report. They indicate XXXX XXXX the 3rd party verified this information. This is can not be the case as my XXXX XXXX Consumer Report is frozen and has been for quite some time for identity purpose. I have also contacted the 'USBK Court XXXX  Florida ' asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet is reporting disbursements twice on the same dates which is not correct such as : 1. Nelnet is saying on XX/XX/XXXX they disbursed {$33000.00} for fall term. XXXX has never given ne that amount in one term. However, on XX/XX/XXXX.  However, I did receive {$5200.00} from financial aide for fall term.

2.Nelnet is saying I got {$17000.00} & {$17000.00} on XX/XX/XXXX. Financial aide disbursed only amount to me on that date.

3. Nelnet is saying on XX/XX/XXXX they disbursed {$15000.00}, {$15000.00} on that date and also disbursed {$10000.00} on that date. I only received one disbursement on that date from financial aide. 

4. Nelnet is saying on XX/XX/XXXX for they disbursed to me {$10000.00} and also on that date {$9400.00}. I did not receive XXXX disbursements on XX/XX/XXXX only one 5. Nelnet saying on XX/XX/XXXX they disbursed {$16000.00} & {$10000.00} on that same date. Financial aide only disbursed one amount to me on XX/XX/XXXX. 

6. Nelnet said on XX/XX/XXXX they disbursed {$10000.00} & {$14000.00} on the same date. Financial aide disbursed only one amount on that date not two amounts to me for one term. 

7. Nelnet on XX/XX/XXXX saying they disbursed {$14000.00} & {$10000.00} to me. This is false, financial aide only disbursed one amount to me not two per term!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: SC
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:
The collection listed on my reports is totally incorrect. I signed up for a 90 day membership and only received 30 days of service, yet I'm being charged for the entire 90 days which is deceptive and not lawful. When I refused to pay, the company owner got angry and purposfully opened a collection against me even after I gave multiple attempts to come to a civil agreement which were all ignored. That being said, 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 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 2020-10-12
Company: Experian Information Solutions Inc.
State: OH
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 have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of 2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX  # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.

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 2019-01-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened up a Blue Business Plus Credit Card from American Express with a welcome-offer bonus of XXXX Membership rewards points after spending {$3000.00} within 90 days of account opening. 

The account was opened on XX/XX/XXXX and met the {$3000.00} minimum spend requirement on XX/XX/XXXX. I HAVE NEVER received the bonus, and when I first contacted American Express ... they told me the welcome offer was NEVER attached. 

I have contacted American Express on three separate occasions on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX-XXXX ( XXXX ) XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$1600.00} Type of Account N/A Credit Limit : Term Duration : 36 Months Terms Frequency : Single Payment Loan Date Opened : XX/XX/XXXX Balance : {$0.00} Equifax is incorrectly reporting that Date of Major Delinquency First Report XX/XX/XXXX. 
As a result, it will be XXXX more years before this paid acct will be removed from my credit report which is unfairly, negatively impacting my credit report, credit score and ability to secure access to capital during this government shutdown! 

Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : XXXX Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Educational Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Education Loan Date of First Delinquency : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-05-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
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 paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.

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 2021-04-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with CREDIT COLLECTION/USA. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT COLLECTION/USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It was deemed by Equifax there was no proof validating ownership with a signed contract owing XXXX XXXX XXXX account # XXXX in regards to this account on my profile. Therefore, it was removed. 

Then 5 days ago on the XX/XX/23 it was added back on to my credit profile. 

However, I WAS NOT notified in writing within 5 business days per FCRA guidelines of the reinsertion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize any one of these 8 inquiries and did not authorize anyone to run my credit. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Utilities & Fuel XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX Inquiry from XX/XX/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 2019-01-21
Company: Aspen Yo LLC
State: FL
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: Information is incorrect

Complaint:
XXXX XXXX in the aftermath of Hurricane Irma offered us a repayment plan in XX/XX/2017. We only took advantage of this repayment plan because our understanding was that it would have no negative implications. Fast forward to today, we are now faced with not being to refinance our XXXX because XXXX XXXX in fact did report us as being late on payments on this " repayment plan ''. 

Be advised, if you are requesting a repayment plan due to a catostophic event, like Hurricane Irma, there is in fact negative reporting done by XXXX XXXX in what is called in the Industry a Verification of Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation