BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-14
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX has inaccurate in their accounting records, and has admitted fault publically on their website. Unfortunately, I was apart of their miskept payment records. I have received numerous calls, letters, and even emails excessively even after " clearing '' it up with more than one rep. One rep would say I missed a payment for a month, then come back and tell me she was incorrect and that I in fact was current. I would then receive another call, only days later, telling me I missed payments from months like XXXX and XXXX, ( as she 's calling me in XXXX ). I advised her that I have made sufficient and overpaid. I even sent reciept of those payments and still received calls. Now, most recently, I spoke to a SUPERVISOR and he was also inaccurate with his track records, I reminded him that their lines are recorded and we can simply check them to clear this up. He said he would transfer me to someone and hung up. Never called me back. I called him back immediately, no answer. I left a voicemail, no response. I think they are pro-longing things and keep finding reasons to put me in the wrong rather than admitting they had account issues and that they actually do not know the balance I owe. To avoid court and unnecessary stress, I would like to resolve this with them right away. None of their reps want to take the time to fix this. I will also upload what their insufficient response message looks like, stating they " have already responsed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
I opened an account with Best Buy about 5 years ago and I have noticed another company stating that I owe Citi bank who I think is best buy {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to best buy and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.

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 2022-08-14
Company: EQUIFAX, INC.
State: NV
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:
According to XXXX, XXXX and XXXX are furnishing the alleged Bankruptcy XXXX, negative accounts, and hard inquires to my credit report. My federally protected consumer rights are being violated by a variety of entities, including but not limited to the three main credit reporting agencies and minors such as XXXX XXXX, XXXX XXXX, and XXXX. In addition to this breach, they are also committing fraud, as these alleged companies claim to have verified and investigated this bankruptcy, negative accounts and, hard inquires, but your sources contradict their claims ( see attached documents ). I DID NOT give them neither direct nor indirect permission to furnish my information. This is unfair to me because I was never notified when this inaccurate information was provided, and I was never notified when you were going to report this information during the company 's initial investigation.These companies has ruined my reputation, and adversely affected my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried several times to dispute this debt. I have also attempted to verify the accuracy of this debt to no avail. And lastly, I have written to Nelnet XXXX. XXXX XXXX XXXX, NE XXXX about the possibility of setting this matter in exchange for the original instrument of indebtedness in its original form with no success. Please advise ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/XXXX at XXXX, Pacific Daylight Time, I called the Ally Bank customer service department XXXX to inquire about the beneficiary listed on my two certificates of deposit. Each year I review my financial plan as I am XXXX years old and in poor health, to make sure all my records are up to date. After asking my identity and confirming same, I was placed on hold for 15 minutes after which a different representative came on line to advise she could not reveal that information. When asked why, she could give no answer, After being placed on hold for another 30 minutes, a supervisor came on the line and advised he could not tell me why I could not receive the information stating that there was fraud. He immediately withdrew and apologized for the comment and advised that someone would be contacting me in 48 hours. The length of this phone call was 52 minutes only 7 of which were conversation, the remainder of the time I was on hold. On XXXX at XXXX Pacific Time, a representative from Ally called and left a message to call back. I returned the call to XXXX was placed on hold for 10 minutes then told to leave a message which I did ; still no callback as of today, XXXX, XXXX, Pacific Time. I have been locked out of my account with no verbal or written explanation given. Material information has been concealed and further, I was defamed by being told there was fraud and not by whom, if any and finally, I have been dealt with in extremely bad faith. I do not trust Ally bank with my funds any longer and want them returned at once. I have no idea what is going on. Please feel free to demand a copy of the recorded transcript if you have any doubts as to the accuracy of this complaint.

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 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 obtained a loan from XXXX XXXX XXXX. in XX/XX/XXXX i was informed online payday loans were illegal in the state of NJ. I called NJ dept of banking and insurance for assistance with this issue. they responded to XXXX XXXX on XX/XX/XXXX and forgave the loan ( see attatched ). Since they forgave the loan they have reported this as a negative on my credit report. the letter states they forgave the loan and closed the file. I want this negative item removed from my transunion report because the information is inaquate.

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 2020-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Bankruptcy that is not mine nor have XXXX  nor Transunion properly investigated this inaccuracy. I have tried countless times to dispute this inaccuracy by mail with FTC report and police report and by phone. It always come back verified! Well I contacted the court that this alleged bankruptcy was filed out of and I was informed that neither Bureau contacted them about the bankruptcy and that they also do not provide credit bureaus with this information. I sent a letter to both XXXX  and Transunion asking what method was used to verify this bankruptcy and NEITHER bureaus have responded to my request. Only XXXX  and Transunion Credit Bureaus are repotting this inaccuracy. No bankruptcy is reported on my Equifax.

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 2018-01-07
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX i started a transaction to move XXXX LTC over from one exchange to XXXX/Coinbase the transaction was confirmed in the block chain and XXXX sent me an email saying Valued XXXX client, Your Litecoin deposit of XXXX LTC ( worth {$52.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 
Please view your account to double check your deposit and manually move your funds to XXXX. 
- The XXXX Team I assumed no big deal, Ill just manually move it. Well the LTC was nowhere to be found. It just disappeared luckily i was only moving a fraction of my currency before i moved all of it, because i would have been much more upset losing more than the 50+ dollars at the time. 

Anyway, i started a support ticket and the only email response i received was on XX/XX/XXXX linking me to an FAQ page as to why my transaction could be pending. However, MY TRANSACTION WAS NOT PENDING. It was CONFIRMED. So they obviously did not even read my support ticket. I replied again to their support and havent heard a response since. I will not deal with this company any more aside from when i get my LTC back, and only to move it out of their exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX inquiry on XX/XX/XXXX Bank of America inquiry on  XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them

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 2019-04-05
Company: Ditech Financial LLC
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called Ditech Home Loans in XXXX about the letters I continue to receive for payment of a property that they say themselves was XXXX in a bankruptcy in XXXX. Also this property recently, XX/XX/XXXX, was Foreclosed on. I told them this fact as well as them telling me they had to keep contacting me about this account. This is a foreclosure now and nobody has a mortgage on the property any longer.

Noone has a mortgage any longer. It did go through bankruptcy and now is a foreclosed piece of property. I would appreciate being left alone by these people. I lost everything because of him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a statement from Chase on XX/XX/19 regarding an Act ending XXXX Balance : {$5600.00} Creditor : JPMorgan Chase Bank, N.A. 

The letter states that Action Needed : Please pay your student loan balance in full. 
The letter is addressed in my previous married last name XXXX. 
It says they haven't received the balance owed on my student loan and that I have defaulted on my loan, and must pay the full balance. 
I have not received a statement from Chase in over 12 years. Chase sold my loan to XXXX ( also stated on their website, that all student loans were transferred to XXXX ). I have an active account with XXXX, that I have been paying on. 
Nowhere on any credit report does it show a Chase student loan. This is the first and only notice I have received from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020 I did express send with an amount of {$650.00} to a family member to the bank XXXX in XXXX. But on their end is showing that their was no money sent to 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 2022-01-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My father 's home was in a reverse mortgage status with Reverse Mortgage Servicing Dept when there was damage done to his home ( water pipes froze last winter ). Insurance covered the loss, but the funds for repairs were held by Reverse Mort Serv until the work was completed. Work completed more than 2 months ago, and inspections were made and approved by Reverse Mortgaging inspectors, AND the home was sold in XXXX. Since then, I have been trying to retrieve over {$18000.00} in funds owed, but the reverse mortgage company tells me they have tried to mail the checks to my address, but they keep coming back " undeliverable. '' I have lived at the address for 20 years. This has apparently happened 5 times. I have never received a courtesy call when this happens, the only way I find out is by phoning them several times a week. They tell me that they can not wire the money or send it any other way, unless I send them a prepaid envelope. Last week I sent them a prepaid XXXX label and they still have not sent the money. I have had to pay vendors for the home repairs out of my own pocket. I am just looking to rectify this issue that has been going on for several months and retrieve what is owed to me. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi there, Since XX/XX/2018, Ive been attempted to get on a income based repayment plan or a pay as you earn plan and Ive been repeatedly denied, forcing me into deferment. I just want to have a payment I can afford and I read an article today publicly disclosing that the US department of education is denying requests like mine. This is hurting my ability to make payments and I am counting on your help. Thank you. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have noticed this Factoring Company named XXXX XXXX XXXX is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with Capital one for this amount of monies I have had a capital one card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Early Warning Services, 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 belongs to someone else

Complaint:
To the CFPB ( Consumer Financial Protection Bureau ) I request that Early Warning Services provide proof that I have committed account abuse or banking fraud. 

I have not committed account abuse or banking fraud I was a victim of identity theft, the item on my early warnings report is incorrect. 


I have tried to resolve with EWS directly and to no avail. 
The proof is in my previous CFPB claim. 

Here is my contact information : XXXX IF THEY NEED TO VERIFY MY IDENTITY CALL ME AT XXXX XXXX XXXX XXXX  MONDAY THROUGH FRIDAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
there is no contract

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 2018-01-14
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:
This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: OneMain Finance Corporation
State: VA
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:
One Main ran a inquiry on my credit report XX/XX/2022. However I did not approve this nor was a application completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: ENOVA INTERNATIONAL, INC.
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: Their investigation did not fix an error on your report

Complaint:
I HAVE CONTACTED THE COMPANY SEVERAL TIMES TO NOTIFY XXXX  CREDIT AGENCY TO REMOVE ALL NEGATIVE ITEMS AND AS OF TODAY 'S DATE NOTHING HAS BEEN DONE BY NET CREDIT. I HAVE ALSO FILE SEVERAL CFPB COMPLAINTS AND NET CREDIT REFUSES TO COMPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance : {$4900.00} ), XXXX XXXX ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXXXXXX XXXX, ( Account Number XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$230.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-01-11
Company: Experian Information Solutions 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:
Experian, XXXX, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and Experian XXXX, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that Experian XXXX, and XXXX remove this public record off my credit report asap. My race and age is playing a big part of Experian XXXX, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. Experian XXXX, and XXXX is very XXXX and doesn't put accurate information on certain people 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