BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Firstmark services are currently handling my private student loans from XXXX. I recently became concerned with their service when they began requesting payment while I was still attending XXXX  school. Based on XXXX XXXX policy, All payments are deferred while in school. Firstmark claimed there was a time limit regarding deferment but could not provide a written document supporting this. It was clear that this policy could not be substantiated. XX/XX/2020, I requested to have my promissory notes from all three loans currently being handled by Firstmark services in order to verify if the deferment policy was listed on my signed documents. I only received two documents and was told that one was a mastery note ( that regarded three loan pay outs ) and the other was for only one. However, later I was informed in a phone call ( XX/XX/2020 ) that three promissory notes existed and would be sent immediately. This would prove to be false and I was sent only the two promissory notes again. Upon reviewing the notes, I found that I had checked a box that stated 'MAKE NO PAYMENT WHILE IN SCHOOL '. Also, I saw that there was a discrepancy between loan amounts on promissory note and what was being charged by XXXX based on Firstmark 's records. I believe I have been charged for an amount that I did not fully receive and therefore also charged interest based on a wrong principle amount ( original loan balance ). I will be attaching both promissory notes that I have a received and letter from Firstmark that shows what principle ( or what should be original loan amount ) and interest they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The account in dispute is a Business Credit Card account through JP Morgan Chase Bank. I left the business and my former business partner agreed to take ownership of the credit card account. The transfer paperwork was signed and submitted to JP Morgan Chase Bank over six months ago. JP Morgan Chase is still harassing me about the credit card and refuses to transfer ownership to my former business partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019, PayPal made my remaining Account balance available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email to : XXXX which is my Paypal account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: NV
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:
There are a couple of accounts, and addresses that are listed on my credit report that I am unfamiliar or that are simply not mine. Please remove these from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: OH
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:
I called Equifax just now to dispute 1 of 2 hard inquiries on my report 14 days apart from the same company. I first talked to the company to ask them about the 2nds inquiry and they stated they were allowed to run a report as many times as they needed to within 45 days and it will only count as on inquiry as per the Consumer Financial Protection Bureau. They directed me to the website and the statement. So I called Equifax to make the correction, but they refused to make the correction. I directed them to consumerfinance.gov and explained the statement on their and they continued to refuse the remove the 2nd inquiry. I need help clearing this up. Spoke with a Supervisor names XXXX who said her employee number is XXXX. 

I made the same call to XXXX and they recognized the problem as assured me they would remove the extra inquiry within 24hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a truck payment in the amount of XXXX on XX/XX/2018 and looked on my account and only XXXX was applied to the account. I can't get them to even acknowledge this much less fix it. I have proof in my bank account that the XXXX was taken from my account as I did this electronically. 
The company is Wells Fargo Dealer Services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
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:
everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2007 I purchased a rental home in XXXX XXXX. Needless to say this was probably the worst timing in the history of the world. It took until XXXX to finally get it short sold. XXXX is reporting as a Foreclosure and that is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
everyone is aware of the many data breaches. my wallet was stolen a while ago while i was hospitalized, and that was a mess and soon after, when i was turned down for credit, i reviewed my credit report to find several accounts/creditors, and other inquiries, obviously the thief is trying to get more credit. i've always had perfect credit, and this is ruining my ability to commerce. my mother is coming from XXXX to live with me, and i need to have access to credit options, to take care of her and myself, can anyone please help me. i have contacted the bureaus several times, and they have refused to remove this negative information off of my report. being from another country i can not understand how anyone can put something on a persons report, and then the innocent party pays a cost. ve written the bureaus and the creditors asking me to provide the contracts with my wet ink signature, and to date not one has responed, and the negative information remains on my file, can anyone please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was received stating that I can go online to make the payment settlement for the following account XXXX ( XXXX ) and XXXX ( XXXX ). 

The website for Commonwealth Financial Systems states that we don't have to speak to a representative to resolve these accounts, however when you enter your information it states that your information is not found. This a clear indication that they are not telling the truth. 

On XX/XX/21 I called and provided my verification information to handle these accounts for settlement and was told they are having problems with their website. Well that's not my problem. Just like they will tell me the same regarding the payments that need to be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
on XX/XX/XXXX a payment was posted to Resurgent Capital Service. i received a recipe stated that the payment was posted and the bal was XXXX so when i called to pay it off i was told that it was not the correct balance and the balance on the letter was a computer error this was told to me by someone saying he was a supervisor. but after talking to another supervisor for Resurgent Capital she said that the {$740.00} is what she see that was owe on the account and she couldnt get into see the account that i need to talk to the server of the account. so i explained that i was going to contact a lawyer because ii didnt want to mess up my credit for them trying to collect what not on the recipe.wahts on the letter is what i should pay since it came from Resurgent capital.its bad enough that they post that i was late in XX/XX/XXXXon a payment and reported it to the credit reporting when i ask why all they said was it didnt reach them in time and it was the timing not the date so that put me 30 day past due and its nothing they can do to remove it after i ask can the do a goodwill removal i was told no. when i pay this account i will never have anything else to do with this company i am going to file a law suit if not resolved. account # XXXX. R ESURGENT # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: NY
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 am submitting this complaint about XXXX credit reporting agency. I recently submitted a dispute with them in regards to my XXXX  mastercard. It is marked on my credit report that I was more than 30 days late ( which is incorrect ). Today XX/XX/2020 I received a report with the investigation results. It shows my previous activity then shows the results after the dispute. ( They are the same ) yet it notes that there were some changes. Due to some work loss being laid off from work due to the corona virus I had lost some work. My company had closed. I immediately contacted XXXX XXXX and advised them if they can work something out with me as far as payments till I return to work. I was told I can participate in a 3 month program where my interest rate will be lowered and my payments would be lowered. I stressed over and over that I don't want this to be reported to the creditors as late I was assured it would not be as long as I made the monthly payment. I even made more than what I had to make. I am still be marked as 30 days late. Which in turn is affecting my credit score in a very negative way. I contacted XXXX XXXX and told them the issue and was advised again that the 30 remark would be removed and corrected and was given an apology for the error. It was never removed. I was then told dispute it with XXXX  again. Well trying to submit a dispute online I can't do. There website keeps coming up with error message. I am upset that due to national disaster and loosing work affected my credit score like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: VA
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:
Every 30 days I have disputing the same inaccurate information from the credit bureaus and they aren't doing anything to remove these inaccuracies. The are reporting the following fraudulent information and it has hurt and damaged my credit scores : XXXX - Dispute Letter Sent XX/XX/2022 Address Is Not mines - XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX - Dispute Letter Sent XX/XX/2022 XXXX XXXX XXXX - {$420.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft Experian - Dispute Letter Sent XX/XX/2022 XXXX  XXXX Charge Off {$3800.00} - I never authorized or signed for this account ( fraud ) I also sent a copy of a police report to them via identity theft XXXX XXXX Auto Charge Off - This was included in a bankruptcy and was paid in full

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 2017-08-10
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 is missing that should be on the report

Complaint:
XXXX, XXXX, EXPERIAN ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT

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 2021-11-03
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I requested a credit line increase with Barclay US and they pulled my credit again. I was not notified that they were going to use a hard inquiry on 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 2021-10-07
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a charged and was given a provisional credit for a unauthorized transaction of {$370.00} back in XXXX of this year. I had filled a police report for my belongings being taken. I never heard from Citi Bank. Here it is, I sent {$180.00} to my back to pay my bills and Im the middle of the night I realized I was negative {$170.00}. Come to find out Citi Bank Reversed the credit due to No Response to a letter they sent via USPS. I never received the letter, so I called the claims dept to get more information and to get the provisional credit back on my account. 

I informed the gentleman I never received the letter and asked him why is it I did not receive a phone call nor am email if they have not heard from me. The gentleman stated they dont have a way to call nor email ( which I find that to be bizarre ) its XXXX there should be other avenues to reach a client if you arent able to reach them by mail. 

When informing the client they have taken my electric bill money from my account he stated there was NOTHING he can do. I informed him that this is not my fault that I did not receive a letter in the mail, its not my fault your company dont have a way to call nor email and I would like for this case / credit reversal to be reversed. He stated nothing he can do, even though my money is secured with the FDIC. 

I asked to speak to his manager he said no manager is available until 24/48 hours. This really upset me because Im facing a disconnect in Electric which will cause me to lose my job because I work from home and you are telling me no supervisor is available. I am angry and need someone to assist me with this issue this bank have really inconvenienced me ( Given the fact I been on the phone since XXXX with no resolution. 

Not only have this inconvenienced me but I have to work in the morning at XXXX with hardly no sleep and no piece of mind knowing that my money was taken because the decision this bank made due to not being able to hear from me by only reaching out to me by a letter ONLY! This is ludicrous and once this is over I will be closing this account. 

Lastly, this guy had the audacity to say well the merchant provided chat messages between them and you I said I said sir I dont care what they sent you, Im telling you someone is portraying to be me and that has nothing to do with the reason you stated they reversed the credit and closed the case including no one being available in management to assist me in this urgent moment. 

I need this to be investigated please and I need help with getting this issue resolved and overturned please.

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 2022-06-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have close to 30 inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to 30 something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.

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 2020-11-22
Company: EQUIFAX, INC.
State: WA
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:
First I sent in a letter but it was left unacknowledged then I tried to dispute it online and it has been in que since XX/XX/2020, calls do not get picked up and the website only shows some items available to dispute but all under collection. The whole Equifax is bad I'm shocked how much stuff is incorrect. Might be a glitch idk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern. I have been looking at my XXXX  XXXX  past few months it says I am an authorized user on a XXXX XXXX card that is terminated. # 1 I do not have any idea whose card that is or why I am on it. Never approved it. I do have my own XXXX XXXX card. I have called XXXX XXXX countless times about the situation as I now have 4 ongoing late fees on transunion and other reporting companies. I just called XXXX XXXX for the 8th time now about this and they only see my actual card on file. This authorized user card they say they have no knowledge of. I am asking for this authorized user thing with all these late fees to come off my credit report as soon as possible. I have no knowledge of it. And It is effecting my personal credit. Any help on this greatly appreciated feel free to call me about this.

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 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Account was frozen due to a fraudulent claim submitted by my husband.

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