BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-23
Company: OneMain Finance Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
My son has a loan with ONE MAIN FINANCIAL LLC, I believe that he has problems with payment or so, I do not know specific information, but here 's the complaint : Beginning of the first days of XX/XX/2021, myself, my wife, my mother, my step-father, my brother, my sister, and my brother in law started to receive several calls from the debt collector from the ONE MAIN FINANCIAL, when called they identify as XXXX XXXX a courier company looking for my son to give him very important documentation. In most of the calls, when we answer, we let them know that we will take the information supplied from them and try to transfer it to my son. They again call us and again some of us let them know to want they stop to call us, but they let us know they will remain to call us up to my son pay the money owed to them. Today XX/XX/2021, I received a call from MR. XXXX XXXX from the same company XXXX XXXX, when I asked him not to call me again, he just stated that I have no teaching my son to be responsible, that if I did not do that they will do, and again reaffirm to me that they will continue calling every one of us and they will stop when my son pay the money. I feel my family is being threatened. 
Finally, when I ask my son about this, he told me they had filed a lawsuit in court and that he is working on it, I ask then to stop calling me and my family, reserving our right to take legal actions if they do not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
two collections opened by XXXX one XX/XX/2018 one XX/XX/2018 for same amount same original creditor that are not mine. tried to dispute with Equifax .they make it hard. 
I tired one hundred times they as soon as I get close after filling out tons of info screen denies request they say their busy try again. Equifax only credit bureau doing this other ones know it was not mine.The worst is they posted it twice and lowered my score twice for the same wrong info. Equifax is making it hard on purpose PLEASE do something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had 19 weeks of unemployment deposited on to a way2go card which I believe is from conduent, it's the default payment method for recipients who don't have direct deposit, I recieved notification that payments were made and I'd recieved my card in 5-7 days, waited 7 days and never recieved it so I called the company and they charged me 15 bucks to cancel the original one and to sent me another through Ups with a tracking number, finally recieved it and had a XXXX dollar balance, tried to use card and it worked for several transactions then started denying all my transactions, I called they said it would be fixed in 24 hours, waited 24 hours then went to store to try again this time it worked for a little while then started denying all my transactions again, so I called them again and this time they said it would be fixed in 48 hours and wouldn't have any more trouble, Well 48 hours later I decided to call before I went to town and they told me this time that I'd ha e to send in proof of my identity, Id or social security card and birth certificate, well I don't have an ID at the time just some copies of my old one I'd used for other places, I sent them everything I had, they emailed me back and said it was accepted and sorry for any inconvenince it caused for me to call a XXXX number, I called and they said that the email was wrong and my Id hadn't been accepted, I started trying to borrow the money to go renew my I'd, well two weeks later I finally get my ID and send it to them and now they say they need my SS card and birth certificate front and back, I don't feel right sending them every bit of my identity when their website says they will never ask for my SS number via email which is exactly what the emails tell me to include, now there {$7300.00} on my card from the unemployment office that the payments company will not give to me, they always find something else or they say they didn't say one thing or another, I have the emails from them and have done everything they asked me to! They are the frauds I really do believe there's something wrong with the company! My power has been shut off and rents past due about to be kicked out and have no where to stay! I've already switched weekly payments to direct deposit and if I'd had done that before the payment for my backpack were made I wouldn't be suffering like I am now! Crazy how this company just keeps adding to the stress and pain in my life especially at a time like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX, I called the American Express Delta Skymiles automated phone service to determine how much I owed so I could pay off my account, which I had deactivated some time ago until I could finalize my balance. I was told my balance was XXXX I immediately made the payment for that amount through my account at XXXX XXXX XXXX  on XX/XX/XXXX. In my mind, I had paid off the account. Then, I get the attached bill for XXXX. I called American Express to complain, ultimately speaking with a supervisor named XXXX on XX/XX/XXXX. He explained the " trailing interest '' concept, which I find blatantly unfair if the bill has been paid in full. Shouldn't the balance I was quoted have incorporated any accumulated interest still owed? I really think consumer agencies should take a long, hard look at this concept as it relates to final payment true-up for a billed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: JPMORGAN CHASE & CO.
State: AZ
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 recently signed up for a new credit card from Chase Bank co-branded with XXXX XXXX. The card came with a promotion that requires a minimum spend of {$4000.00} within the first 3 months in order to receive the promotion. I have been using the card exclusively to reach the spend goal and also switched all of my automatic payments over to this card to help reach the required spending. Today XX/XX/2019 at approx. XXXX XXXX XXXX time, I went to make a {$3.00} purchase at a coffee shop and was embarrassingly informed that the card was declined. I called Chase at approx. XXXX XXXX XXXX  time to inquire why the charge was declined. During the call the rep from Chase also informed me that an automatic payment was declined. The reason for the declines according to Chase was that Chase put a temporary hold on the account. Why? I was told it was a random hold. This was never communicated to me so that I could make alternate arrangements for the automatic payment and nor was this communicated when I signed up for the card. Had I not called I would not have known about the declined automatic payment and been charged a late fee and an insufficient funds fee. Additionally, the rep informed me that Chase puts random holds on accounts from time to time. So basically, I should never set up auto payments with their card. Also I am taking a chance of another embarrassing moment of having the card declined at a merchant. I have had automatic payments set up with XXXX XXXX XXXX and XXXX and NEVER, I repeat NEVER experienced anything like this. Very discouraging business practice when you want people to use your card. 
Also, very poor customer service by their senior phone rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Nelnet, Inc.
State: GA
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 contacted Nelnet In XXXX regarding my past due account. I communicated with the representative that I was homeless and without a job. That I am currently looking for a job but without residence it is harder. Representative assured me that the request for deferment was submitted and my paperwork was due by XX/XX/2019. 

I submitted my information and it was accepted and on the Nlnet website was updated to a due amount of {$0.00}. 
However on XX/XX/2019, my credit score dropped as a report of past due on my account was reported. I waited for the information to update and submitted a dispute on XXXX XXXX. XX/XX/XXXX another late payment was added to my account dropping my score 40 more points. 


I submitted an email on the Nelnet website asking them to please update their files as their inaccuracies are limiting my ability to find residence. 

I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-08
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

1. This account has been settled and paid. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. The Following Account Was A Charge-Of. Balance should be {$0.00}. 
XXXX XXXX Account NumberXXXX Please remove it from my credit report. 





* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE AUTO LOAN AND MORTGAGE LOAN APPEARED ON MY EXPERIAN 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 explanation
Consumer complaint received 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX   {$1100.00}

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 2023-02-04
Company: AMERICAN EXPRESS COMPANY
State: AL
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 called American Express on XX/XX/ to report an issue where an elderly XXXX patient accidentally used the points on my card to purchase something. The purchase has been canceled but I never got the points back. The agent proceeds to act like a complete XXXX and cancel all of my credit cards even though I told him they werent compromised and the issue only affected one card. They told me I could call a different line and get temporary numbers emailed to me. I called the other line they told me they couldnt do anything and I was screwed to go get a credit card with another company to use until my new ones come in. And kept telling me how this was for my own good and theyre doing me such a favor and giving me a ton of benefit. I also found out she was lying and i could get the numbers emailed to me online. Then on the morning of XXXX I logged into my Amex account to check when the new cards would be arriving and to get my numbers. I tried to login again 30 minutes later with the exact known working password which probably due to a server issue said it was incorrect and locked my account. I called customer support who told me they couldnt unlock my account until I got my new physical cards. So I cant even login to pay my bill or activate the new cards. American Express customer service has gone out of there way to XXXX me multiple times this year. They purposely go out of there way to make things difficult on customers and act like XXXX during the entire process. Theyve basically locked me out of using every card I pay an annual fee for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03
Company: Escrow Inc
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had filled bankruptcy in XXXX. In XXXX of XXXX I dropped off a payment at XXXX XXXX XXXX Escrow Inc office. I was followed by an employee who stated my payment was being rejected. I then asked to speak to owner of Escrow inc and asked her to explain to me why my payment was not being accepted.I asked for her to give me payment history of all the payments made by the Bankruptcy Western District Court. XXXX couldn't give me an answer I demanded a print out and instead I got a Sticky note with made up figures. At one point she looked at her computer and could not provide me with a payment history. In fact she stated that because of the bankruptcy she demanded all payments in full. I explained I had lost my job in XXXX of XXXX and i was doing everything in my power making all payments even without a job. I'm exhausted mentally and its affecting my health. I have made an appointment to meet with the bankruptcy attorney. 
Demand letters are now in my possession with amounts that are unreal. I truly believe Escrow Inc XXXX had retaliated against me because I did NOT rent my house to her daughter that was going to be stationed in XXXX XXXX with her family. I responded to her if i ever did i would have to lease it for a higher amount than my mortgage payment. XXXX responded XXXX is better than nothing and you can come up with the rest. I would take it in a heart beat was her response.I didn't respond. She knew I was struggling to make payments. 
Obviously she uses her business to her advantage I have made all attempts to pay and she had mailed back all payments.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-24
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2019 I submitted an unemployment deferment form and I spoke with a customer service rep regarding the required documentation. I downloaded the document he explained to me and uploaded it into Nelnets system.I checked on the status today and instead having a communication that I could read on this is an alert on my account : We have finished reviewing the documentation for your repayment plan, deferment, or forbearance request, and were sending additional information your way. Keep an eye out for an email or letter from us. My account info is : XXXX XXXX, Acct # XXXX, SSN XXXX, addy : XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX.The reason I am filing a complaint is there is no reason why I shouldn't be able to access the additional information on my account online inisteads of having to wait for snail mail or an email that should have been sent yesterday and was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: GA
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:
These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX  {$1100.00}

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 2022-10-25
Company: Experian Information Solutions Inc.
State: WI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I did not give permission for any of these companies to run an inquiry 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 non-monetary relief
Consumer complaint received 2019-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery associates LLC, has been harassing me for over 5 years. They call my phone at least several times a day. They also harass my relatives. They improperly served me at an address I wasn't living at and got a judgment against me that I wasn't able to answer because I never received proper notice. They also keep " re-aging '' my accounts with inaccurate information to look as if the alleged debts happened recently and haven't given me any proof they own these alleged debts. I have had medical issues over the last few years and they have done nothing but harass me and my family for over 5 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: PENTAGON FEDERAL CREDIT UNION
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:
The account was Fraudulent open in my name and unauthorise charges was made on the account.

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 2023-05-07
Company: EQUIFAX, INC.
State: IA
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:
The following hard inquiries currently listed on my Equifax, XXXX and XXXX XXXX credit report are all unauthorized and not my hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30-DAY LATE PAYMENT XX/XX/2018 - 60-DAY LATE PAYMENT XX/XX/2018 - 90-DAY LATE PAYMENT XX/XX/2018 - 120-DAY LATE PAYMENT 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.

Company response to consumer: Closed with explanation