BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo mortgage acct no. XXXX open on XX/XX/XXXX home sold XX/XX/XXXX shows late payments on XX/XX/XXXX ( 6 months after close of sale ) I called Wells Fargo they just gave me run around with no resolution

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 2020-12-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On all three Credit Bureau that Small Business Loan that I have disputed and they know I did not apply for is on my credit report. I have never applied for a Small Business Loan and I do not have a business. On Experian it states this will not be removed until 2022. I sorry ; this is an inside job with these credit bureau, how would anyone know my pass addresses or that I am retired. I want this small business loan off my credit report. I can check my credit report everyday if I chose I have been back so many times. I just want it removed. I talk with the Small Business Administration now it needs to be removed from my credit report. Did someone there use my information to get a 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 2018-05-02
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The vehicle that was on the lease is now a total loss. However, XXXX XXXX XXXX has my account open on my credit report for an outstanding deductible. There is no payment arrangement, so I am not sure why this is still on my credit report. I am receiving 30 day late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, 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:
Equifax updated my credit raised my score 117 points after not theorizing since XX/XX/2020 - then days later took another drop 107 for no reason! They are hurting my credit reporting and still showing unauthorized inquires. Also inaccurate account information. Dropping my score after fixing it is ridiculous! Illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It says the first loan was opened in XX/XX/2014 and i started college in XX/XX/2014. I did not personally sign up for my loans to be paid off right now and anything against that was not acknowledged by me. My credit report also has two more loans for the three years that I attended my first school. I now am transferring to another university and the school I am transferring to has my application. I have not  graduated college yet and am not sure as to why I have these delinquencies on my account. It is just not right, I have no way of paying for this at XXXX years of age while still in college.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Student loan was put on my credit report without my consent

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 2018-05-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting a debt that does not belong to me. I have tried to dispute this debt on several occasions since 2015. Most recent dispute resulted in me being informed that the debt was sold to another lender however, the debt still appears with credit ones name on my report. Although it has been requested in writing on several occasions no verification of has been sent to me.

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 2019-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 an account that is showing charged off written off that is continuing to report with a balance as well as it being included in my utilization causing my UTI to be high on an account that I no longer have. Also each month this account reports as CO=charge off. Under the account history the AB is reporting monthly, however the amount is incorrect. The account is showing on my credit report twice with two different balances. There is an incorrect high balance amount. It's also showing past due when that is incorrect. On the Credit Report there is missing information. The terms and monthly payment is not on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Resurgent Capital Services L.P.
State: TN
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:
Resurgent Capital Services/ LVNV Funding LLChave expired/do not possess a valid license for Debt collections in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of identity theft. I did not know that someone stole my identity and opened a debit card and use it with Citibank. I always ask them to close my account because it was opened without my knowledge. I also sent a police report and asked them to remove any charges on the unauthorized account. The Citibank already closed my account but they still ask me the money for overdrawn of {$82.00}.

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 2018-06-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had problems " making on-time payments '' due to a very " Bad Divorce '' which led to a difficult Financial problem, as a result, NISSAN-XXXX XXXXXXXX has reported " Negative Reporting - Late Payments '' which has and is currently damaging my credit reports. 

But now things have turned around for me financially, I have made ( " Extra Payments in XXXX XXXX and XX/XX/XXXX ' and caught up with ALL my car monthly note payments and have kept on being Current on my monthly payments ). And, because of my hard work to improve my credit with them and consistent monthly payment as well as my future plan to build and request more credit from NISSAN-XXXX XXXX I had called in several times to Customer Service to ask if they can please work with me by " Removing the Negative Late Payment Reporting on my Credit Reports '' but unfortunately the Customer Service of NISSAN-XXXX XXXX has declined my request even though I was told by a rep in the past that if I catch all my payments and make consistent payments that my late payment history will be forgiven. So, as noted above I kept calling and calling but I kept getting passed around on the phone with absolutely no result or remedy to my situation. 

Furthermore, NISSAN-XXXX XXXX is reporting that my " Payments are Late '' from ( XX/XX/XXXX - XX/XX/XXXX ) in All 3- Credit Bureaus which is NOT correct nor consistent, because I have doubled up to catch up any lates that occurred and made all of my payments on-time so I will not be late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living at XXXX XXXX ..in XXXX Texas ... During XX/XX/XXXX-XX/XX/XXXX year .... I moved out ... And the management company .... Put a false owed balance on my credit report and said I had bed bugs and they had too treat the problem .... Very suspicious behavior and illegal .... Actions .... I'm wanting criminal charges whom ever was involved ... And that money paid back too me ... In full ... ... very poor management and complex ... drugs and fighting and barely no security .... There ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a debit card from US Bank for unemployment benefits. I never applied for XXXX   and I activated the card thinking it was a stimulus card. I want the card deactivated,

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 2020-08-22
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was 90 days past due on my student loans back in XXXX because I went to XXXX. I have contacted a credit repair who sent letters. I also asked for my student loans Nelnet to remove this and they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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:
On XX/XX/XXXX I submitted a dispute to Experian requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, Experian sent me an email stating their investigation did not fix the error on my credit report because XXXX and XXXX companies that reported the information to them was certified. No other explanation was given.

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 2020-07-03
Company: JPMORGAN CHASE & CO.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
About two years ago my original checking account Chase Bank Visa debit card was cancelled for fraud by someone in the State of Florida trying to empty my banking account by billing other websites without my permission by the bank, while I'm living in XXXX. 

I have been unable to have a replacement Chase Visa card mailed to me 8 times possibly for theft within the XXXX postal service. 

I went to the local Chase Bank branch for help in XXXX XXXX XXXX, but they will not even allow me in to office to get help only being for large corporate account clients. 

I have talked to the bank 's customer service several times trying to get a card with no success. 

I even asked Chase Bank customer service to have a new card sent to my forwarding address service ; which they refuse to do to use XXXX or XXXX to get a new card to me at my own expense using my former XXXX Visa debit card tied to XXXX which is now also unavailable for my use with XXXX mail forwarding service. 

I have suffered much as a retiree in the first three weeks without a Chase Visa card to have money in XXXX with much stress. I had funds transferred using the service XXXX to the hotel manager in XXXX using those funds to open a local bank account with Visa card that saved me. Since then the XXXX XXXX government has changed their laws against foreign tourists not working inside XXXX or having a corporate business inside the country. I was lucky in having a grandfathered in local debit card with XXXX XXXX  available to use only domestically inside XXXX, but can not pay for any international product purchases or service transactions. 

XXXX also has an international account access via MasterCard debit card that is unavailable to me to solve my situation, but will not allow because of residence within XXXX. 

Two days ago I called Chase Bank customer service, but was hung up on because of poor connection service from XXXX using my US telephone forwarding service XXXX, which is not Chase Bank 's problem. 

If a new card could be sent to the local US Consulate Office in XXXX XXXX XXXX for me to pickup in person for example would be quite helpful to my situation. 

I'm trapped inside the country because of Covid now with no way to fund further travels if I so desire in the future making even returning to the US difficult after arrival. 

The XXXX locals I give money to do online transactions for me but sometimes am cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have owned a Costco visa credit card, and I was having a XXXX  emergency for an aunt who was battling the virus and later died. At the time in mid XXXX, I spent above my credit limit, but the credit card company harshly went ahead and closed my account permanently. 
I now have privacy issues with the credit card company because it has logins to my bank account together with the account balance. I find this intrusive and unheard of.

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 2018-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 didn't know when I received an account from capital one, XXXX XXXX, XXXX XXXX, or any top companies. I was in high school and didn't have access to my personal information because my mother had my information. She played like she was me and put things in my name. I started getting threatening phone calls and letter from the company that said I owe them but how do I owe y'all when I hax no prior knowledge of anything?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DOB - XX/XX/XXXX Last 4 SSN - XXXX Please apply these laws to my accounts : I am writing to ask that you delete all unauthorized inquiries, derogatory remarks, and closed accounts also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resulution. I am again asking the items listed below to please be deleted from my file as many of these items are misrepresented on my credit report, these fraudulent accounts and derogatory remarks have made it hard for me to live a decent life. 


Dear Sirs/Mams The fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting ACT ( FCRA ) 15 U.S.C ss 1681 ( FCRA )

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 2020-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
I called Lexisnexis on XX/XX/2020 to file a dispute for inaccurate information on my report ( such as : misspelled names, addresses and bankruptcy ). They did not complete the investigation within 30 days. I called back on XX/XX/XXXX to check the status and was told it was still within 30 day time frame for investigation and would be complete around XX/XX/2020. On XX/XX/2020 I had not received any investigation results and called customer service to report the non response and the rep told me that they could not print my paperwork so they had not been able to mail my results. They are in violation. I expressed in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. The rep stated that all info was suppressed and I would be receiving these results in the mail within 10 business days. I have not received anything in the mail removing the above inaccurate information I disputed on XX/XX/2020. I am asking that all inaccurate names, addresses and bankruptcy be removed from this third party Lexisnexis report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Lending Club Corp
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:
I have a loan with XXXX, LENDING CLUB, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, LENDING CLUB, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I have been using money to XXXX to send money to family members as well as to use daily with my bills. Today I got an email stating they will be terminated my account with the balance of {$580.00} in it and after I keep emailing them that this was my rent money I tried to transfer to my wife. No one has replied there is not way I can contact anyone by phone and I just would like my funds. I am very upset because I can not 180 days for my money as this is an inconvience to my life. The person whom sent me the reply and is now non responsive is XXXX. Customer service cant help at all when they freeze your account this has been the worst experience ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: Resurgent Capital Services L.P.
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:
I have a loan with LVNV FUNDING LLC, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LVNV FUNDING LLC, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation