BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: The CMI Group, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX called and did not identify her title or business. 
She went on to ask me for personal information regarding my address and other identifying information. I stopped her and asked who she was and with whom she was employed by. She spurted out Credit Management and then went right back into asking me personal questions. I stopped her again and asked what kind of business she was calling in reference to. She refused to answer until I confirmed sensitive information. By this time I Googled this company and discovered it was a collections or lawyer looking for debt reconciliations. I told XXXX that she should have identified herself by title and her business name before asking sensitive information. She said that was not required by collections companies to collect debts. She then proceeded to tell me that since I won't give her my personal information that she will hang up. She hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Nelnet, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company contacted by email letting consumers know that loans were forgiven and paid on XX/XX/2023. Lender also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' When loans did not show paid on credit reports, I contacted the lender twice by phone, first time they said information was sent to credit bureaus at the end of XXXX, beginning of XXXX at the latest. Called again at the end of XXXX along with sending an email ( no response from email ), was told there was nothing they could do, credit reporting was automatic. Filed dispute with XXXX, still waiting on dispute with XXXX, Nelnet not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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/2021 I sent XXXX a letter disputing the validity of the collection they are reporting on my credit report. They responded with a letter stating that they verified this item. I then asked for a method of verification and I never got a response. I went directly to Capital One Bank to dispute the item in question and Capital One could not verify this item so they deleted it from their database. I then went back to XXXX and showed them the letter for deletion from Capital One informing them if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more interest every year. 

This item needs to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Resurgent Capital Services L.P.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called the company to correct the information on my account, but the rep was borderline rude and did not want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX. XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX  XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-09
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2022 I submitted a form for my XXXX XXXX XXXX  payments to be taken every 2 weeks instead of every month. I also requested ont he same for for an additional {$50.00} to be taken every 2 weeks. 
I spoke to a customer service rep for The Money Source mid XXXX who assured me that the form I submitted would go into effect XX/XX/2022. 
This did not occur. On XX/XX/2022 I call The Money Source and I was told that no one looked at the form I submitted. They then told me I had to pay a month in advance which I did alsong with an extra {$100.00} as an extra principal payment. I was told that the form would be processed by the end of the business day and I would get a call back. 
This did not happen, but they did take the extra money. 
On the XXXX XX/XX/2022 I called again and was told again no one looked at the form.But i was assured it would be taken care of by the end of the business day on the XXXX. 
This did not happen. 
I lodged a written complaint to the company via email on Monday XXXX XXXX and have had no response to my written complaint. 
I initial and spoke to a customer service rep on XXXX XXXX who gave me the same spiel don't worry it will be fixed by the end on the day on the XXXX and it is still not fixed.I have spent about 6 hours since XX/XX/XXXX on the phone with customer service, their supervisors and I still have not had the issue rectified. They XXXX very quick to take an extra payment but not delivering on service. I feel like they deceived me by telling me I needed to pay an additional month and then didn't care to implement the form I sent them. 
I have been told by the company there are no extra fees or charges involved in paying every 2 weeks. I feel like they don't want to implement their own form because they would be losing in interest over the 30 year loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE MADE NUMEROUS COMPLAINTS ABOUT ADDRESSES BEING REPORTED ON MY CREDIT REPORT THAT I NEVER LIVED AT. I WOULD LIKE TO REMOVE ALL THESE INACCURATE ADDRESSES AND ONLY HAVE MY CORRECT ADDRESS SHOWING ON 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 non-monetary relief
Consumer complaint received 2018-08-13
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
a. We received a letter dated XX/XX/2018 indicating that PNC was changing our account number with the new enhancements that were being completed on their computer systems. ( XXXX  XXXX ) b. Received letter on XX/XX/2018, XX/XX/2018 and XX/XX/2018 that our payments were past due. 

c. Each time my wife or I contacted PNC and talked with various customer service representatives regarding this issue. We indicated on each occasion that our payments were on time, processed and verified by our local credit union. Payments were made electronically and documented since receipt of the XXXX letter. 

d. Again I called PNC after receiving their latest letter dated XX/XX/2018. Spoke to ( 2 ) customer service representatives and indicated that payment was made and I was in possession of documentation from my credit union that indicated that once again they had received all payments. The first Rep was XXXX XXXX and the second was Supervisor XXXX XXXX. Mr . XXXX indicated they was assign a case manager that would get in touch with us via a cell phone number that was provided. As of the date of this complaint wer have not heard from PNC.. To date no response from PNC. 

e. Attachments provided that clearly indicated that PNC has received all payments in a very timely manner. Payments are not getting credited for weeks and in some cases over a month. Consequently, we continue to receive letters indicating payments are past due. 

We very much appreciate you assistance in this matter. It appears that no matter how many times, we call, or take time to go to our bank and provide payment information it continues to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: WELLS FARGO & COMPANY
State: NC
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:
In XX/XX/XXXX we discovered we had a number of delinquencies on our Wells Fargo Home Equity account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XXXX, we found that our Wells account had late payments showing for XXXX, XXXX, XXXX and XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. Wells Fargo disagreed with our dispute of these entries. We then spoke directly to Wells Fargo in late XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX MT. We received a response from XXXX in early XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. Wells completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX andXX/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 2023-09-30
Company: SERVISFIRST BANCSHARES, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company purchased alleged debt that they assumed was mine and in fact doesnt belong to me. In fact Debt belongs to the United States according to 18 USC 8 as defined The term obligation or other security of the United States includes all bonds, certificates of INDEBTEDNESS, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Alleged debt company is illegally furnishing is considered bills or certificate of indebtedness as stated above so its factually impossible for alleged debt to be mine when the UNITED STATES says its their obligation, not a consumers. 

Company also violated my privacy rights by furnishing personal information without my written consent as my consent is required by law for any person to furnish information regarding me as stated in USC 1692 ( c ) Communication in connection with debt collection- ( a ) ComMUNICATION WITH THE CONSUMER GENERALLY Without the prior CONSENT of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- I never gave company consent for such illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
I was travelling in XXXX during XX/XX/2019 and got my wallet, my credit cards, debit card, drivers license and my phone stolen on XX/XX/2019. I called Chase immediately after i discover my items were stolen ( within 2 hours of the theft ) and explained the situation. The representative told me there were several charges made on my credit card and debit already. I told them that i did not authorized those charges and my wallet was stolen. The representative reassured me that i won't be responsible for those charged and my card was cancelled and a new card was issued. I also asked them what else i need to do to protect myself, and they told me i was doing the right think to call them. 

About a week ago i received a letter from chase notifying me that they determined that i was responsible for those charges after their investigation. i called back immediately as i do not understand how such decision was made. i was told that they had obtain evidence from the merchants that i was responsible for those charges and ask me to provide evidence that i did not make those charges. This is really frustrating as i called Chase right away and was assured that i won't be responsible. Now three months later when i returned from XXXX and impossible for me to produce any corroborating evidence of the theft, they now tell me that i'm responsible?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not consent to, authorize nor benefit from the following inquires in the attached consumer report. Block and remove them.

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 2023-01-05
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two years ago, after purchasing my first home, I suspected the presence of mice in my new home. On XX/XX/XXXX, I hired XXXX for a mice inspection. XXXX offered a free inspection at no charge. They did the inspection and suggested a one-time treatment. They also verbally notified me that the fee for the treatment will be a one-time payment of {$100.00}. I offered cash for the service, and they refused to accept cash. Then I accepted to pay the one-time fee of {$100.00} with a credit card. XXXX crew handed me his XXXX  for the credit card payment and my signature. After applying the treatment, the crew left, and I have not heard from the company. After 3 months, on XX/XX/XXXX, I noticed recurring transactions on my credit card from XXXX. I noticed that XXXX charged me 3 times already, once every month. I called the XXXX customer service asking for an explanation, and they informed me that I have a contract with XXXX and will be charged $ 102 monthly for a year for treatment, with an option to terminate the contract by paying a {$500.00} termination fee. I informed them that XXXX never informed me about any contract, and I neither agreed to such a contract nor signed any such contract. In response, XXXX emailed me a copy of a contract ( Attached ). Upon reviewing the contract, I suspect when the XXXX crew told me to sign for the one-time credit card payment, that was the contract and not merely a signature for payment. I feel they tricked me into signing something I did not agree to. I discussed my suspicion with XXXX over a phone call and requested to terminate my contract without a termination fee as I was not made aware of a contract, and they refused. I called my bank and informed them about this fraudulent activity. My bank refunded me for the two additional months when I was charged wrongfully and placed a hold on future payments to XXXX. I called XXXX on multiple occasions to resolve this issue, and they refused help. In XX/XX/XXXX, XXXX sent this contract to a collection company. I take very good care of my debts and have an excellent credit score. I pay all my bills and mortgage on time every month. I'm seeking your advice and assistance on resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-02-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CFPB as the governing body over credit bureau please have Experian follow and uphold the Fair Credit Report Act. Experian has violated the law by not removing inaccurate late notice on my credit report from my XXXX XXXX XXXX account for the month of XX/XX/2020. I have given Experian supporting documentation as they requested to show that I made my payment on time for the month of XX/XX/2020. I have sent them multiple letter with supporting documentation from my XXXX XXXX  checking account showing multiple payments made via automatic payment and phone payment for XX/XX/2020 to XXXX XXXX XXXX. 

CFPB this is clearly multiple violation by Experian after I sent them multiple supporting documentation showing payment made on time as they requested. Under the supervision of CFPB please have Experian remove the late notice on my XXXX XXXX XXXX account form the month of XXXX based on the supporting Bank Statement showing multiple payments received and made on time and Experian violations of the Credit Reporting Act multiple times. This inaccurate information being reported by Experian is not right or fair to me. They should not have the right to continuously report this inaccurate information.

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 2023-10-01
Company: DISCOVER BANK
State: MS
Product: Credit reporting 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 writing to file a formal complaint against Discover Bank and XXXX XXXX regarding inaccurate information that has been reported to my credit report. I believe that I am a victim of identity theft, as I have no knowledge of any association with the accounts in question, nor do I acknowledge opening these accounts. 

Details of the Inaccurate Information : 1. Discover Bank Account : Account Number : XXXX Date of Alleged Opening : XX/XX/XXXX Nature of Inaccuracy : I am not aware of any association with Discover Bank, and I have not authorized the opening of any account with them on XX/XX/XXXX. 
2. Money Lion Account : Account Number : XXXX Date of Alleged Opening : XX/XX/XXXX Nature of Inaccuracy : I have no knowledge of opening a Money Lion account on XX/XX/XXXX, and I dispute any association with this account. 

Steps Taken to Resolve the Issue : I have already contacted Discover Bank and XXXX XXXX to dispute the accuracy of the information on my credit report. However, my attempts to resolve this matter directly with the institutions have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Financial Assistance 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: Information belongs to someone else

Complaint:
I have Received my credit reports and the below your company is reporting a fraudulent account on all three credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation