BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
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 been an unfortunate victim of identity theft which has since been reported to both Experian as well as XXXX Card by means of a notarized affidavit which serves as a legal document to my identity theft as well as my police report. The initial request was granted, the fraudulent account was deleted but then 2 months later, wrongly re-added to my credit file. My most recent request dated XX/XX/19 asked that the fraudulent information on my credit report resulting from identity theft be blocked/suppressed within 4 business days pursuant to Section 605B of the FCRA.

Also, I have sent in numerous requests over the past year and a half to Experian as well as XXXX Card demanding that they show me Verifiable proof ( an original Consumer Contract with my signature on it ) which has yet to be provided and has been met with much resistance. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying you for reporting services could fax, mail or email in a fraudulent account. Under the FCRA, the unverified account must be removed since no one has provided me physical verified proof. 

According to the Fair Credit Reporting Act, Experian and XXXX Card have violated 2 clear and established laws and have shown gross negligence and complete disregard of my rights as a consumer. At this time, I demand that the account information reporting on my credit bureau under Account # : XXXX XXXX XXXX, be deleted effective immediately and permanently.

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 2019-11-08
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had several store credit cards, all administered by Comenity Bank ( XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, etc. ) On all of these cards for many years I opted into and paid fees for their " Credit Protector '' feature, a feature of which was in the event of involuntary unemployment my minimum payment would be forgiven, and if unemployment lasted longer than 2 months, the entire outstanding balance of the debt at the time of the claim would be forgiven. 

I became unemployed XX/XX/XXXX after being continuously employed for the previous 5 years ( and paying for the credit protector service that entire 5 years as well ), my accounts were all in good standing at the time I became unemployed, and I immediately filed claims for all of my Comenity Bank cards where the " Credit Protector '' service was paid for. I remained involuntarily unemployed for a period of 6 months. Well in excess of the 2 months required for complete debt forgiveness under their advertised program, and provided the requested documentation twice. Comenity bank did forgive payments for one or two payments ... but after that, they did not forgive the debt as promised, and my accounts went into collections. When they called to collect, I explained that I had submitted a claim, and that the debt was supposed to have been forgiven at that point, but their collection people simply insisted on me paying them money which I did not have ( as I was still unemployed ) Comenity bank has destroyed my credit, and now the debts have been charged off and sold to outside collectors who continue to harass me seeking payment of debts that were supposed to be forgiven under the terms of the " Credit Protector '' agreement.

I have previously provided the following documentation to Comenity Bank on two occassions, with no acknowledgement that they ever received them. 

I have attached the payment information for my final unemployment payment from the RI Department of Labor and Training, you can see the final payment was made on XX/XX/XXXX for the week ending XX/XX/XXXX and that the remaining balance on my claim at that time was {$0.00} meaning I had exhausted my entire 26 weeks of  unemployment as of XX/XX/XXXX, which if you calculate back 26 weeks brings us to approximately XX/XX/XXXX which is when I became unemployed and filed my initial claim with Comenity Bank 's " Credit Protector '' service I have also included a copy of my separation letter verifying the date I became involuntarily unemployed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18
Company: M&T BANK CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I wasnt getting unemployment for a couple months so I had them do a forbearance on the loan. When I finally started getting paid from unemployment I took the loan out of forbearance and then unemployment went to a new system at the beginning of XXXX and I havent got a check since then and were nearing the end of XXXX. 3 months or so without any money coming in and I called about doing another forbearance and they said since I already had one this year, I cant do another one.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was recently removed from my credit report due to fraudulent account from XXXX XXXX XXXX now they using a different creditor to post inaccurate information on my credit report i ask that it be removed 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 non-monetary relief
Consumer complaint received 2021-02-15
Company: NAVY FEDERAL CREDIT UNION
State: IN
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:
Please delete the 2 negative accounts from navy federal opened around XX/XX/2020 because they were opened fraudulently. Under the FCRA section 605B these unauthorized accounts must be deleted within 4 business days due to identity theft.

I have filed a better business bureaus complaint and a FTC complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Account Info Reference Number XXXX Court US BKPT CT PA XXXX is showing on credit file after being discharged. Bankruptcy having a negative impact on credit file. Sent letter to courts for validation no information was received. Been over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I never tried to open an account with Wells Fargo. 
I received a letter in the mail from Wells Fargo dated XX/XX/2021, saying Thank you for your interest in an account with Wells Fargo. We were unable to open an account based on the information you provided in your online application. However, we may be able to open your account in person at a branch. Please bring at least two forms of valid identification w ith you to a Wells Fargo branch so we can verify your identity. " never tried to open an account with Wells Fargo.

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: ARVEST BANK GROUP, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am refinancing my home mortgage and experienced unfair business practices with my current mortgage servicing company - Arvest Central Mortgage Company ( " Arvest '' ) based in XXXX XXXX, Arkansas. 

Arvest received a wire payment ( ~ $ XXXX XXXX from the title company connected with the refinancing of my mortgage on XX/XX/2020 that covered the entire principal and accrued interest based on the amount Arvest provided in the payoff letter ; however, Arvest held the money and did not apply the payment to the loan. 

Arvest claims they have an internal policy to not apply loan payments if the escrow balance is negative. The escrow balance went negative in early XXXX but this was never communicated to the borrower. They do have the right to add to the debt balance with written notice but that was never provided. 

Instead of applying the payment received, Arvest continued to charge interest on the ~ $ XXXX outstanding principal for 5 additional days ( ~ {$140.00} ) until I would pay a new payoff amount ( {$200.00} additionally ) to cover the escrow shortage. 

XXXX XXXX as XXXX XXXX Specialist ( # XXXX ) and supervisor XXXX XXXX ( # XXXX ) as the Mortgage Servicing Supervisor both agreed this was unfair but were unable to credit the additional interest as they stated it was the internal policy of Arvest to not apply payments when a payoff was short due to an escrow shortfall. 

I find the lack of applying the payment when received to be an unfair business practice as they not only continued to charge interest to my account but also were able to earn interest on those funds that were held. 

We are being put in a negative position as the new loan will charge us interest at the time the funds were disbursed and result in being charged double interest for the 5 days Arvest refused to apply the wire payment to my loan. 

In order to get the existing loan released by Arvest, I paid the amount ( {$200.00} ) on XX/XX/2020 they demanded in order to release the loan and begin my new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, 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:
After going through identity theft protocol and following the steps to have items removed from my credit report, the items were removed after investigation. about 6 months later, a few items have re-appeared on my credit via collection agencies. Since these items were previously removed, I sent the complaints to the the credit bureaus. The items have not been removed after sending in my grievance. The collections are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am attaching previously agreed and signed documentation from standing in front of the presiding judge on XX/XX/XXXX, XXXX For settlement due of {$1300.00}, of 45 monthly payments of XXXX 

Then the following documents from XX/XX/XXXX, is whenever our signed agreement was ripped right out from underneath me by a Motion and Order to Set Aside Judgment without any warning. It states that I was served via First Class Mail to address XXXX XXXX XXXX, XXXX TX XXXX - when in fact I NEVER received those documents/were served, nor was I living there - I had moved from that address to another a year + prior to us had even settling on XX/XX/XXXX, XXXX Such happenings, I was never properly served, and there is no proof/signature ( by me ) proving that I was served the documents before the Motion and Order to Set Aside Judgment was submitted on XX/XX/XXXX then was granted on XX/XX/XXXX. There was no trial called, the only trial I was informed of was for XX/XX/XXXX XXXX which I had attended, due to us agreeing and signing in front of the judge ). 

Now, TWO years later, it is now sent off to another debt collector, XXXX XXXX , XXXX is calling attempting to collect the debt, however, they are giving me time in order to submit my complaints and attempt to dispute the amounts CACH LLC is trying to recover from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX recently sent me a letter asking for proof that I still lived at my home for no apparent reason. They are trying to cancel my homeowners insurance which I need for protection. I feel like this illegal. I believe that SPS asked them to do this and this is the second time it has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from a Debt collection company ( National Credit Systems Inc. on XX/XX/2019 in the amount of {$390.00} for XXXX XXXX XXXX XXXX XXXX. I am the victim of Identity Theft and have filed a police report which I will be attaching. I have sent a letter disputing these charges on XX/XX/2019 and they sent another collection letter in XX/XX/2019 and responded by sending another letter disputing the charges on XX/XX/2019. I am currently in the process of responding with a third letter with a copy of my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the consumer credit reporting agencies for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and my right to privacy. 

On XX/XX/23, I submitted a dispute to The 3 Major Credit reporting Agencies Experian, XXXX, and XXXX regarding items on my credit report. I have attached the documents sent as proof! 
According to the FCRA, consumer credit reporting agencies are required to investigate disputes and respond within 30 days. However, They have failed to respond within this time frame, thereby violating my rights under the FCRA. 

Furthermore, I believe that the consumer credit reporting agencies have violated my right to privacy by reporting an account without my permission or written instructions. They did not provide me with any disclosures prior to reporting this account, which is also a violation of my rights under the FCRA. 

As a result of these violations, I have suffered significant harm to my credit standing and overall financial well-being. I request that the consumer credit reporting agencies be held accountable for their actions and that appropriate measures be taken to ensure that my rights are protected in the future. 

Thank you for your attention to this matter. 

Sincerely, 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 2019-10-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I submitted a complaint to the CFPB on XX/XX/XXXX and Chase Bank 's response did not at all address my actual complaint. They addressed a previous issue that Chase had over 8 months ago when the bank went to a new online platform. 
The issue I have that is not being addressed at Chase is that there is currently a product defect in Chase 's online banking platform. I deposit my business checks into my XXXX account. When I then go to download the detail of the batch checks deposited ( see attached example ) there are several checks MISSING in the csv report. Back in XXXX and XXXX I spend over 8 hours with Chase representatives ( XXXX XXXX who is no longer with Chase, XXXX XXXX, etc ). No one could figure out why all checks that are deposited are not pulling into the reporting tool that Chase has. The issue is extremely significant and is leading to our business having inaccurate accounting procedures and billing our patients incorrectly. 

I spoke to a woman named XXXX on XX/XX/XXXX who confirmed the product defect and said she was working with the Digital Team to get the problem fixed ASAP. She told me she would follow-up with me by phone on Tuesday XX/XX/XXXX. It is not Friday XXXX and I have left XXXX 2 voicemails and called the executive office with Chase several times with no response. Chase bank continues to misrepresent accurate amounts deposited into my business banking account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-10-04
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was notified by someone in my household that LVNV Funding was attempting to serve me with paperwork for a debt. Immediately, I contacted a lawyer who was familiar with LVNV and their debt collection practices. He went to court and had the case dismissed without prejudice. The Original Creditor was XXXX XXXX XXXX, the recent creditor information is : LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX I filed a dispute with XXXX and uploaded the dismissal document. My dispute didn't help. I contacted LVNV Funding directly and they also said they they couldn't help me. 

My lawyer told me to submit it to the credit reporting agencies which I did with the dispute and it hasn't been removed. Attached is how the debt is viewed on my credit report. The court dismissal document is provided as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!

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 2023-07-05
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were transfered from Great Lakes Borrower Service to NelNet recently. Under GreatLakes my loans were placed into PAYE repayment plan on XX/XX/XXXX. The estimated payment was 0 . Around XXXX of this year, XXXX, I recieved a call from Great Lakes stating loan repayment would soon resume and that my estimated payment was still 0 , that I would need to update my income in XXXX. Upon transfer to NelNet the account now shows that half the loans are no longer under the PAYE program and are now reflecting a monthly payment of {$4700.00}. I am currently unemployed and my loans should still be on the PAYE plan and no changes were ever requested or authorized to this repayment schedule. 

I reached out through the NelNet email contact form on their website immediately in XXXX when the loans were transfered. I have never recieved a reply and now nelnet removed their email contact option making in impossible to contact them in writing.

Company response to consumer: Closed with explanation