BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2019-08-19
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
I was called by the number XXXX and was requested my social security number to gain access to my account and then was told they could not gain access and was then forwarded to a dead line. How can I protect my social number now or will they be able to use it to create fake credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: IL
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:
I got an XXXX prime visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. XXXX on repeated occasions billed the XXXX XXXX card without my permission. As of today, a card that has been deactivated for months, XXXX tried to make it as my payment method. I have called XXXX and Chase and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Santander Consumer USA Holdings Inc.
State: DE
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 noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to access my bank account online at XXXX XXXX XXXX XXXX XXXX. My account was blocked online. On XX/XX/XXXX, XXXX, XXXX, I called but the phone numbers provided for my bank are not working. I get a reply saying the number is out of reach at XXXX and XXXX. On XX/XX/XXXX, I contacted the bank again through their " online chat '' and the agent referred me to the above-mentioned numbers. When I replied that those numbers were out of service, she apologized and told me to keep trying and that she couldn't give me any more information. 

I suspect the account was blocked because a couple of weeks ago I had to put a " fraud alert '' because someone tried to open a XXXX XXXX account using my information fraudulently. However, I was never contacted by my bank to verify any information and given that I cant reach them and they cant provide me with any other information I am at loss as to how to proceed.

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 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Bank of america is reporting an account in my name as an authorized user. I have tried to call them and get my name of the account. They did not want to give me any information on the account. Please delete this item from my 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 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The accounts being reported are definitely " unverified ''.

( as per fcra section 609 and 605 ( b ) )

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 2020-11-17
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1st letter sent to GC SERVICES FOR XXXX, XXXX in XX/XX/2020 regarding identity theft and account not being mine. No word from them until XX/XX/2020, resent FTC Identity theft report. Received several calls regarding debt, even after my FTC statement requested to only contact me via mail regarding the false account under a person with similar name as mine. I am sending another letter dated XX/XX/2020 for all matters to collect this debt to cease. I do not own this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2014 accounting was open due to identify fraud and I call Bank of America and no answer I was under age inXX/XX/2014

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am writing to you again about the error bank did. I made a payment XX/XX/2020 for the exact amount that I received on my paper mortgage bill, {$2600.00}. Later the bank claimed that I paid the wrong amount, but as I've shown before in my previous complaint, I paid the exact amount that was on my bill. Today, I received a paper from the bank that lists that payment and shows XX/XX/XXXX a " bad check reversal '', when I never had a bad check. I paid by phone through my bank of America account, there was never ANY checks made, it was a balance transfer from my account to the mortgage. My account has enough money to pay for the amount requested on the physical paper mortgage statement. Now the bank has decided to label it as a " bad check reversal '' when there was NEVER any check payment being made. This is clearly an attempt to defraud me and refuse to admit that the Bank made a mistake when sending me the bill by mail. If they changed the amount due between the time they sent me the bill and the time I called to pay the bill, they should have notified me when I was making the payment. I have no way of viewing my balance online because the account is not available due to a bankruptcy. I fully believe, the bank is doing everything that they can, to sabotage my account, my credit and my reputation as revenge for having been in a bankruptcy. The bank is clearly trying to make it harder for me to make my payments so that I would miss a payment and they could take me out of my home.

My original requests, concerns and complaints, were NOT answered, so I believe that shows that the bank is not acting in good faith. They are planning to do everything they can to seize my house.

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 2020-07-22
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My Husband had XXXX discharge due too his XXXX XXXX I filled out the paperwork and spoke to someone on XX/XX/XXXX and I was told everything was noted and now I have a paper saying the loan was reinstated and at the moment we are XXXX and in a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: NY
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:
Experian has reported an inquiry without any permissible cause. A violation of FCRA rules section 1681. 

XXXX card services, inquiry date XX/XX/2020 2020

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 2020-07-22
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank at TCF and during the pandemic I called them to see if I can freeze all the automatic payments so I dont overdraft my account. Well that didnt happen and now I have a negative balance. I called and no one was helpful. I should have a positive {$70.00} and my automatic payments should not happen until I contact them again. Now I have a negative almost {$900.00}! I would just close the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: IN
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, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Equifax and XXXX certified letters to verify the bankruptcy listed on my credit reports. Each escalating letter asked for verification of the listings. The two credit bureaus each sent me letters stating the bankruptcies were verified. I have also sent them the article where they have agreed to remove tax liens and bankruptcies off the credit report where they do not have enough information. XXXX County Federal Court stated to me that they DO NOT give information to any third parties, including credit bureaus. I included the letter from the court stating this information. I have continuously asked the two credit bureaus to remove the inaccurate listings and how they received the inaccurate information ; their method of verification. The three credit bureaus have failed to address my problem and have supported failed credit opportunities and stress for me and my family. I have attached the letter from the court and the certified letters I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been attempting to make payments on loan sequence 3, the company will not work with me in reference to getting an affordable payment. AES continually says they are reaching out to XXXX with no response, in the waiting period it is destroying my credit because they have not been working with me to accept an affordable payment. I have been trying to get an affordable payment since XX/XX/2017. I have called numerous times and send in letters. The managers from AES never call me back. I am looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: IL
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:
I got an Amazon prime visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. Amazon on repeated occasions billed the Amazon Prime card without my permission. As of today, a card that has been deactivated for months, Amazon tried to make it as my payment method. I have called Amazon and Chase and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collecting agent is Fraud, because the Hospital bill have being paid by my insurance. 
I was surprise that he re- enter it into my credit account again in XXXX, XXXX after the total amout have being settle by my insurance. I sent the statement to him, without contacting the hospital, and also lairs to credit union been a lender loan. This is an hospital bill, the company have taking law into there hand in other to collect money from me illegally. 
I do recommend that this company much check for fraud and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 51 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 51 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: E*TRADE BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is to advise that etrade XXXX  closed my accounts without any written or email notifications per their customer agreement. On XXXX XXXX while out of town i noticed i did not have access to my accounts. I called etrade bank and they advised two of my accounts were closed suddenly and the third was closed for everything except investment deposits. I asked why? they stated per their customer agreement they are able to close accounts down. I was questioned about all of my deposits which are all legitimate deposits into my account and the rep questioned why so many companies. I advised that I am a business owner. I have been discriminated against from this banking institution that i have been a customer of for the last 8 years. The rep kept insisting based on the customer agreement they had that choice. I advised per the agreement it also states they would give a customer a 30day notification and send letters to advise of the closing of any accounts and representative confirmed on many occasions during this call this was not done. I had to quickly change banks for direct deposits and withdrawals some of which I had coming in the same day they decided to close the account. They were also redlining the use of my card and account before this denying certain transactions and would not approve them when the funds were available in my account. They have in the last year done unfair trade practices as a banking institution, which has caused me a lot of havoc personally and in my business. They should not be allowed to no follow protocol or discriminate and in their agreement in print it states they will notify a customer and give a 30 day notification. During the time of the account closure there was not a negative balance, I have never carried a negative balance on any of the accounts more than 30 days. There was no fraud activities and although many deposits came in they were legitimate deposits. I asked the rep why was I being questioned what cause and she could not give a complete answer. Also the day before the accounts were suddenly closed I called in with a third party to verify a transaction and the rep asked for my security question with a third party on the line. When asked why this was done he had no answer. I advised when third parties are on the line basic information such as account number and name are only to be disclosed based on what I was told by ETrade. After this situation my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: SECURITY CREDIT SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX with Security Credit Systems contacted my phone number in an attempt to collect a debt from a XXXX XXXX, someone that I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I never open any account with Wells Fargo and they been taking money out of the account they say I own them money witch at this point they own me a lot of money but now they want to close the account on XX/XX/2018 for what I have no clue

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 2019-02-21
Company: EQUIFAX, INC.
State: TN
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 asked Equifax to provide proof that XXXX XXXX XXXX XXXX show proof that i am responsible for the debt that they have listed on my Equifax report. I have asked Equifax and the XXXX XXXX to provide a Copy of a id or SS Card. They have not complied with my request. Even tho i have asked numerous times.Please help me in this matter.

Company response to consumer: Closed with explanation