BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account with Bank of America in my name fraudulently. I filed a police report and a ID Theft report with Bank of America. The company have name blacklisted in the risk department and this prevented me from opening an business account. The company should of already block the fraudulent accounts. I never had any accounts with Bank of America.

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 2020-05-26
Company: Nelnet, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My ( XXXX XXXX XXXX XXXX ) credit report concerning my Nelnet Student account is inaccurately reported. On XX/XX/XXXX, I submitted a letter to Nelnet Student Loan about the inaccurate information on my credit report which shows I was late making payments on XXXX, XXXX, XXXX, XXXX XXXX and XX/XX/XXXX. I filed a forbearance application in late XXXX for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. My credit report is showing forbearance starting XX/XX/XXXX. In my forbearance application to Nelnet, I requested that my forbearance start XX/XX/XXXX for one year because I fell and injured my XXXX. 

I am making an official complaint to the credit reporting agencies to have corrections made on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I noticed again in my equifax credit report that I have a formerly name as XXXX XXXX I never had any formerly name my entire life as my my real name so this so called formerly name should be removed from my credit report as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: WELLS FARGO & COMPANY
State: FL
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:
I was looking my credit score throughout XXXX XXXX and noticed few hard inquiries that was made without my consent and i believe that someone is trying to use my identity for financial manners. These are the one I found on my report today XX/XX/XXXX by XXXX   XXXX XXXX XXXX ( XXXX ) Type : Automotive Date : XX/XX/XXXX XXXX XXXX, GA XXXX WF Crd Svc ( XXXX ) Type : Bank Date : XX/XX/XXXX XXXX XXXX, IA XXXX XXXX  ( XXXX ) Type : XXXX XXXX XXXX/Automotive Date : XX/XX/XXXX XXXX FL XXXX XXXX  ( XXXX ) Type : Finance Date : XX/XX/XXXX XXXX TX, 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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX  the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely 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 non-monetary relief
Consumer complaint received 2017-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
after i closed the complain about chase auto ..i sign a settlement chase will be rein verse XXXX for fixed the car..who the transporter broken..so the settlements say after i sign the agreement between them and myself in XXXX XXXX2017 and faxed to chase.and speak with corporation XXXX XXXX ... the settlement said they will be sending me the check..today is almost 4 business day pass already and i still asking frame time to receive the check to fixed the car..today i was speaking with ornan and leaving voice mail to corporation agent XXXX XXXX and no one answer me..so one of the customer service explain ... they chase is intermediate agent due the transporter working for them..so until today no one answer me any phone call..and still waited for the check..only XXXX know what going on..so i need help please to clarify this manner..promise, promise is already 7 week since the chase broke my car thru the re position carrier XXXX XXXX California..i call them in XXXX XXXX but no one answer is voice machine messages ... also chase doesnt want release the car title i asking auto recording my print out since i get the loan all my payment if you can see my car was charge off in XXXX2017 {$2100.00} so..if you seen still reflect the {$2300.00} i already paid for..could you explain me? still said i owned tjhem {$590.00} dollar until i paid the chase will be release my title which is not fair

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Systems XXXX This huge debt is affecting my family. I can not rent anywhere due to this debt by XXXX XXXX XXXX send my name to National credit Systems. Its unlawful i left the month my lease ended and left everything clean/ perfect conditions. This debt is keeping me stuck please i need this removed. My family deserves a good home and i can not move anywhere with this debt attached to my name. The only flaw in my credit is this. please remove this. Ive been living with family because no place will rent with this on my credit. please remove this debt from my name im at my lowest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Absolute Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX  is stating that I owe {$1800.00} through AB RCY SVS. When I stayed in the property ( XXXX XXXX XXXX XXXX XXXX XXXX ) the apartment had a leak that resulted in an extensive amount of mold that caused XXXX issues, trouble XXXX  and other XXXX symptoms in me and my spouse. I informed the office numerous times about the issue however their was no sense of urgency. Due to me becoming ill and the properties lack of concern I moved. I was informed that I wouldn't have a balance due to the extent of the apartment and the consistent inconvenience I experienced when I inquired about cancelling the lease. I don't think it's fair that I have to pay rent when I was living in an inhabitable living conditions when they failed to address the growing mold problem.

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 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 get my direct deposit to my acct every wenesday at midnight, I had a bill scheduled to auto draft through bank of America 's bill pay on the same day, they charged me a {$35.00} overdraft fees with {$80.00} still in the account and a {$460.00} credit pending ( my payroll/direct deposit ), I called the bank and spoke to someone and he couldn't even figure it out, he was like " oh yea there's the credit '', and when I asked why I'm still being charged a fee he told me " we've already discussed this mam.

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 2019-11-14
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent {$200.00} from my bank account to this email XXXX. I sent it with XXXX with chase bank. It was supposed to be invested in a prebuilt store that i was going to have access to but he has not given me any information whatsoever. I will include his XXXX  in the screenshot. I want a full refund from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: ECMC GROUP, 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: Account status incorrect

Complaint:
Student loan from XXXX XXXX in XX/XX/XXXX still on my credit report that states in default collection. Called XXXX XXXX when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.

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 2018-03-28
Company: EQUIFAX, INC.
State: IL
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:
So I have contacted transunion and Equifax serveral times about inaccuracies they tell me its correct which is not the case. So I decided to reach out to the companies myself AND low and behold I get accurate information. So they lie when they say they look into stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
recently I put in a complaint that asking why XXXX was on my mortgage assignment and ocwens answer was they aquired my loan through XXXX in 2013 as part of XXXX bankruptcy ... but when I showed them different with paperwork they said it was a mistake ... i want to know why XXXX is on my corporate assignment of mortgage??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX is currently reporting incorrect information to all three of my credit bureaus. If the information all comes from the same source why is the reporting inaccurate? the dates opened are not the same on all three bureaus, the credit limit is not all the same on all three bureaus and the high credit is also incorrect on all three bureaus. Being that it is not reporting correctly who says that the information reported is accurate. Please delete this account from all three bureaus asap.

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 2019-11-14
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We moved from one place to another we had XXXX XXXX XXXX XXXXXXXX XXXX we were 2 months shy of finishing out our contract when we moved the place we moved to wouldnt allow a sattelite dish i contacted XXXX XXXX XXXX  they said we can go there other package which is XXXX and as along as we stay customers it would not be a issue well somewhere along the line it went to a collection agency which it wasnt suppose to tried to explain this and to have the the charges removed from my credit report the supervisor got nasty with me we aint removing it i said fine then we will go court then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXXXXXX {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Home Loan Center, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
my name is XXXX XXXX and i was scammed by a fake loan website. This person called me and acted like he was from lending tree and he had all my information. he even called my bank and acted like me and filed many claims to my account he also had my bank reverse multiple car payments back onto my bank account. he told me the money that was in my bank account was sent from the loan company and in order to be accepted for the loan i have to send them back gift cards for XXXX  dollars so they can prove that i was who i said i was. They said the money they sent to my account was from them and they needed me to send it back to them. My bank is not doing anything to help. I need my money back i need to pay my car payments back and i am really stressed about this. I have emails and text messages from the person who scammed me. I can send you whatever you need. Please help me get my money back and find out who did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was connected through my XXXX XXXX account and there were some charges made through a XXXX app that I have no affiliation with. I have reported it for over a year now and talked to several people through the Chase company and nobody seems to help me. Everyone I have talked to gives me different answers and I was so frustrated that they didn't resolve it. XXXX shut down that account and canceled the charges made from the app but for some reason Chase won't take care of it. So I shut down my Chase account. I really want this issue resolved and taken care of. It has been stressful on me and it's preventing me from getting a house now because my credit has plummeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Mountain Land Collections, 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:
Mountainland Collections is reporting an attempting to collect a debt for which I do not know of or owe. The original creditor is some law firm and they do not answer the phone ever. They have horrible reviews online and this debt is old.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: MORGAN STANLEY & CO. LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Morgan Stanley Home Loans keeps saying they will modify the loan with respect to lowering the interest. Instead, they keep sending repeated forms about being in the military which is not applicable. They have offered no assistance during covid, despite assertions to the contrary, except to require all payments be made in month four. We have excellent history and this lousy company keeps making promises and does nothing to help or keep their word about modifying the interest rate to a more reasonable number. Last call they promised to send information and application to modify and this was third promise. Instead all they send is some form nonsense about military service which does not apply. Please escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to link my Capital One checking account with my new checking account XXXX. But Capital One is blocking XXXX from accessing my account even though I provided the correct log in credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 is reporting a fraudulent account to my credit report. I did not open this account, someone else opened it in my name and got it charged off. I have never opened an account with XXXX XXXX XXXX  and this is not my account. I need this removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This complaint is against Navient, the company that services my daughter 's student loans and for which I have Power of Attorney. Despite having my phone number, Navient calls other members of my family and acquaintances of my daughter. I have a robo-call blocker on my phone number and they insist on using a robo-call dialer in attempting to reach me. When those calls are blocked they resort to calling others. Yesterday they even called a children 's dance studio where my daughter took dance lessons 15 years ago! This is unethical and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've request Transunion to remove inaccurate inquiries on my credit report and they have not done so. 

The following inquiries I've request to be removed due to inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number not available Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : 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 2023-03-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I disputed two accounts listed by XXXX XXXX on my XXXX and XXXX credit reports per they do not belong to me. I previously disputed these accounts on my XXXX credit report, and they were removed per they do not belong to me and could not be verified. After my dispute with XXXX in XX/XX/XXXX, these accounts were removed. Since these account were returned to me as verified after my dispute with XXXX in XX/XX/XXXX, I mailed a certified letter ( which I have attached ) on XX/XX/XXXX disputing the items directly with Resurgent Capital as allowed by the FCRA 623 ( a ) ( 8 ) ( E ). As of today, I have not received a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Several fraudulent accounts and the reporting of a bankruptcy that's been dismissed.

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