BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: ALLY FINANCIAL 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: Problem with personal statement of dispute

Complaint:
Spoke to Ally Auto over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. Ally canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of their reference number I received from Ally is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/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 2018-02-09
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX  XXXX XXXX  card said they denied me because of fraud alert on my account listed by equifax issue I was told they have verification process call or write but information sent in last report on this from equifax sent in copy of my billing, and my information to correct, but it seems they did not correct phone numbers XXXX or XXXX, so since information was incorrect on equifax report that i just tried to chat to equifax about said this been mailed in and faxed in but still wrong, told have to request a credit report and there is no one at equifax I could talk to and fix this not sure why or fax information again, very frustrating been working on this and if best buy rerun my application my score gets nicked documented each time which seems to be a data base miss entry or issue equifax had over hack or whatever just need to get this fixed own my house lived same place since XX/XX/2010, so not sure what else to do since can not fix this evidently by going to their site and asking them for help sort of rough like to get it fixed even sent copy of my license awhile back when requested verification on address and or myself as who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/XXXX I contacted XXXX about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX XXXX reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted XXXX and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.

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 2021-09-02
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX whats reported on Experians Report still displays a fraudulent account on my report. Its not on XXXX  or XXXX. I am writing to dispute the following information in my credit report file. I have attached several documents to show the fraudulent alleged accounts claimed that I owe. This account DO NOT EXISTS ON XXXX  NOR XXXX. 
The items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX account number XXXX with a balance of {$570.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have tried to solve this matter with Experian but they have decided to be non-complaint in removing this account from my report and simply did not investigate and Updated it on XXXX after my dispute.. I contacted XXXX  XXXX XXXX who confirmed in writing to that the Account Number : XXXX is under a different identity NOT MINE. I also filed a report with the IdentityTheft.gov and submitted both the written confirmation and identity theft report to experian who have failed to comply with the FCRA and just say the updated the account with is falsified. This account does not need to be updated because its not legally under my identity

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 2021-01-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was the victim of an elaborate and involved scam on XXXX XXXX  involving XXXX and a fake XXXX email that requested I send {$900.00} through XXXX to make an original transfer go through. 

The buyer paid me on XXXX but the money never went through. He said it was because I didnt have a business account so he paid XXXX {$900.00} to upgrade my account status and said he had to to that once before too. The fake XXXX email directed me to issue a payment via XXXX so that the XXXX transaction could go through to my account. 

This was all a lie and I was conned out of my {$900.00}. He said there was a mistake and that I needed to send more, at which point I realized I was being scammed and this person was committing fraud. Because I sent the money on XXXX from my account, my bank ( chase ) said there was nothing they can do. I have screenshots and records of all the fraudulent emails from XXXX that requested that XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Portfolio Recovery Associates/Services ( goes by either name ) has been illegally re-aging a collections account on all three of my credit reports ( XXXX, XXXX, and XXXX ). Although I dispute the validity of the underlying debt ( related to an old incident of identity theft ), I note that the underlying account 's date of first delinquency was some time between XXXX - XXXX, and therefore rapidly approaching the point at which it would be removed from my credit reports regardless of its validity. 

Portfolio Recovery has re-aged this account to reflect it as having opened in XXXX, thereby extending the credit reporting time limit by 3 - 4 years -- effectively doubling the legally allowed credit reporting time limit. I have repeatedly requested that Portfolio Recovery rectify this matter to no avail ; Portfolio Recovery has ignored my requests and continues to fraudulently misrepresent my account information. 

IN ADDITION, Portfolio Recovery represents this account as an " open '' installment account. This is patently untrue. It is a severely aged charge-off that Portfolio Recovery purchased the rights to. 

Portfolio Recovery is grossly non-responsive to requests to remediate the matter and is only reachable when they are harassing myself or family members and associates in aggressively attempting to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/2016 closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX XXXX where i attended took out several loans without my knowledge.clearly fraud was committed at this school.

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 2020-11-30
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I originally took out my mortgage with XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my loan with XXXX had been transferred Specialized Loan Servicing ( SLS ) as of XX/XX/XXXX. I contacted SLS in early XXXX and was told that the loan transfer takes 30-60 days. In XX/XX/XXXX, I made my payment to SLS. Beginning in XX/XX/XXXX, XXXX XX/XX/XXXX, we made payments to XXXX XXXX  XXXX ( XXXX  ) time without fail or delinquency, on behalf of SLS. In early XX/XX/XXXX, I received a notice from SLS dated XX/XX/XXXX that my account number was reassigned ; Id already made my XX/XX/XXXX payment which was accepted and withdrawn from my account. When I called SLS in XXXX I was told that as of XX/XX/XXXX my payments should be made to SLS, and not XXXX  anymore. Again, I had already made my XXXX payment and it was accepted so I made my payment to SLS for the month of XXXX. Then I received notice of default and intent to foreclose dated XX/XX/XXXX for failure to pay my XXXX payment. I received the same notice again in XXXX and XXXX for failure to pay in XXXX and XXXX, respectively. Even now, my online account still reflects one missing payment. I made the XXXX payment to XXXX, employed by SLS to collect payment, and have proof of payment in the form of e-mails, confirmation numbers, and bank statements.

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 2020-08-28
Company: Nelnet, Inc.
State: MA
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:
Hi How are you doing? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus on this Federal Student Loan Nelnet. I've attempted several times to ratify the issue with student loan dept and credit bureaus and they still reporting inaccurate, unverifiable information. The balance is extremely questionable, and how ows it possible that youve reported me 90 days late with no late payments prior to that? Was the student loan servicer sued for not applying payments to consumer 's accounts correctly and i was never late nd this account is reporting incorrect and inconsistent. Each bureau reports that I was late on a different date remove for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: DISCOVER BANK
State: DE
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:
Discover Financial. 2020 its said paid charge off. I requested over the last 3 years to have the charge off removed and Discover financial wasnt reported accurate payment information to the Credit Bureaus everything about my file with Discover is inaccurate. Please have Discover send you in my file every signature every payment every phone Conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Todays date:XX/XX/XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX/XXXX Reported : XX/XX/XXXX + {$910.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl 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 2020-08-28
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS TRYING TO PURCHASE MY First home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-07-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting that inXX/XX/XXXX I was 30 days late in paying a second mortgage to were XXXX  XXXX XXXX. At that time, my records show that we making payments for that mortgage to XXXX, not XXXX  XXXX XXXX. My Bank records show that I made payments to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/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 2020-09-03
Company: Experian Information Solutions Inc.
State: MD
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 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 2017-08-03
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number has called my phone everyday 5-7 times a day for the past few months. They claim it is Macy 's creditors. I have never had a Macy 's or Bloomingdales credit card or account. I called them back and they said they would take my number off the list but yet called me back the very next day. When I answered they were looking for a different person. I DO NOT APPRECIATE THESE PEOPLE CALLING AND HARASSING ME EVERYDAY, 5-7 TIMES A DAY EVEN IF IT IS THE WRONG NUMBER!!!!!! For months I did not know who this was because I was scared to answer my phone and they would never leave a message. If they would have left me a message the first time I would have called back right away and told them they had the wrong number BUT since they did n't leave a message I have now been repeatedly harassed several times a day for MONTHS!!!! The numbers that have been calling me are ... XXXX XXXX XXXX XXXX Those are just a few, I have blocked others

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 2021-03-25
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet has been down and unable to receive payments for well over a month -- I want all interest accrued during this process through no fault of my own to be waived. 

This is unacceptable customer service, and I do not want to have my credit damaged or interest to accrue Seek immediate guidance and a record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: WELLS FARGO & COMPANY
State: TX
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 balance transfer

Complaint:
Hi, I applied for a Wells Fargo Platinum card requesting a {$16000.00} credit limit and {$11000.00} in balance transfers. After my application was submitted, Wells Fargo responded with an offer for the card with a {$7500.00} credit limit and smaller balance transfer amounts. I didn't want those terms, so I refused to activate the card. However, Wells Fargo still processed a balance transfer for a lesser amount that I did not request or want, charging me {$210.00}, and debited the card I had not activated. 

I called and spoke with multiple people, but no one could explain why a balance transfer for an amount I didn't request was made on a card I didn't activate. The company said I could request a refund after I re-transferred the balance back to my old card, incurring another nearly {$300.00} in transfer fees from the other card.

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