BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never had a credit card or any other credit account ever and no such account has ever existed in my name XXXX has put multiple fraudulent accounts that do not belong to me and were not created by me on my consumer report. This has made it hard for me to receive credit or get approved for apartments which is very stressful and XXXX. I have notified them of the accounts resulting from identity theft and requested they be removed within 4 business days as described in 15 usc 1681c-2. I have not given them any reason to decline my request and they have not provided any contract or other evidence that gave them the right to furnish my consumer report with this fraudulent information to begin with .the fair credit report requires the maximum amount of accuracy at all time.

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 2018-11-24
Company: JPMORGAN CHASE & CO.
State: MD
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 credit card ( Chase Visa ) was stolen on XX/XX/2018 out of a locker at my gym. I received an email notification from the company at XXXX XXXX on that date ( XX/XX/18 ) regarding questionable charges, and I immediately called the company to confirm these were fraudulent charges and to cancel the card. I was told by the the company representative that the card would be cancelled, and not to worry about this. I subsequently received correspondence from the company on XX/XX/XXXX and XXXX, that the charges had been removed from my account. 

I did not make these charges, which total {$6000.00}, these were fraudulent. 

I then received a letter from the company on XX/XX/XXXX informing me that I was responsible for the charges. I subsequently filed a police report in the jurisdiction where this theft occurred. I forwarded a copy of the report along with a letter to the credit card company on XX/XX/XXXX, disputing these charges. I have now received a follow up letter from the company simply stating that they have decided that the charges remain my responsibility. They have not provided any evidence for this determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I have consistently been charged incorrect late payments despite having my bank fully set up. I tried multiple times to set up automatic payments with Shellpoint mortgage. I have even sent over an IT ticket when these did not go through due to system errors on their end. I did however receive confirmation that they were set up correctly via their website. While traveling internationally, I did not have access to my phone so could not log into their system when they emailed and said I had a late payment that needed to be completed ( despite setting up the automatic payments ). I called and tried to resolve the issue but was told they would not waive the late fee. I was told on the call I needed 6 months of clean payments to have automatic payments which I was never told before and which their website did not say. During the call, the supervisor cancelled my recurring payments which I have an email of and proves that they exist. I have now paid for {$500.00} worth of late payments and now am charged an additional {$200.00}. While working with multiple financial institutions this is by far the worst interaction I have ever had. I also frequently can not even log into their website which makes this issue even more difficult ( screenshot example included as I am submitting this ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple fraudulent accounts were opened in my name, XXXX and XXXX. I was able to close the XXXX but not the XXXX one right away. Person spent XXXX on the XXXX  card. Person apparently has all my information including social security number. Every time i try to report to transunion or XXXX, it says that it can not process my request. It is so difficult to solve these problems but so easy for other people to create them. My credit score has went down 30+ points due to this. Inquiries i did not authorize went through. I use the credit karma app and thought it would be easier, but this makes it more difficult. All companies are giving me the run around.

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 2023-08-29
Company: Amsher Collection Services, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On Wednesday XX/XX/2023, I received a text message from " AmSher '' a debt collector stating that I recently received a letter. I called right away, stating that I never received a letter and was unsure what they were referring too. She proceeded to tell me they mailed a letter, and gave me an address that was not mine and I stated that was not my address. She then asked if I had lived at a XXXX  XXXX, and I clearly told her I did not. She then stated she was going to open a dispute. Fast forward to XX/XX/XXXX, I receive a notice from my credit monitoring account that AmSher placed the account in collections, when I was yet to receive a letter initially or even the status of her " dispute ''. And my mailing address is up to date and all my mail is being forwarded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was XXXX  during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the NJ XXXX XXXX XXXX and NJXXXX. I was XXXX  from XX/XX/XXXX until I was XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have a combined statement for a period for my Mothers account ( XXXX ) between XX/XX/XXXX and XX/XX/XXXX. There is a checking and savings account listed but no credit card. I also have a combined statement for XX/XX/XXXX to XX/XX/XXXX. It lists a checking account, savings and a credit card ending in XXXX. I did not notice this until I went through the few hardcopy statements I have a few days ago. 
Since around XX/XX/XXXX and I was listed as POA, all statements or any mail from Wells Fargo was addressed to me or my Mother at my Tennessee address. There were never any credit cards sent for XXXX. At this point of time my Mother was having a lot of problems and we had to hire a neighbor so stay with her at times to make sure she ate something in the mornings or evenings and sometimes just to stay with her. My Mother was hospitalized XX/XX/XXXX at XXXX XXXX XXXX in XXXX. She would not have been able to request the card at the time in her condition. 
I understand that there were many accounts set up by Wells Fargo without the owners consent. This appears to be one of them. My concern is why was I not notified. It's to late to be a part of the class action.so what do I do. Is Wells Fargo off the hook for this or can the ignore it. How many other accounts were missed. I am expecting an answer from 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was incarcerated during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the XXXX  XXXX XXXX XXXX and XXXX. I was incarcerated from XX/XX/XXXX until I was released 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 non-monetary relief
Consumer complaint received 2021-06-08
Company: BANCO POPULAR DE PUERTO RICO
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:
BP-VISA XXXX-I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: NAVY FEDERAL CREDIT UNION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/19 at XXXX XXXX. - I was notified by my Employer that the original collections company has repeatedly contacted my place of Employment by calling the main phone number asking for me on multiple occasions, regularly 10+ times daily, for the past week or so. Repeatedly they were told that I will be in contact with them to discuss any matter but they keep calling. 

On XX/XX/19 at XXXX XXXX. - I called the original collections company and told the representative stop calling my place of employment. They told me that my phone number and all phone numbers associated with the account has been deleted. 

On XX/XX/19 at XXXX XXXX. - I called the original collections company again and spoke to a representative ( XXXX ) that has left me voice messages numerous times. I told her that they are not allowed to call my place of employment asking for me. They are putting my job in jeopardy. Representative told me that she has made a note to not call my Employer 's phone number and they will not call again. 

On XX/XX/19 at XXXX XXXX. - I was notified again that the original collections company called my Employers phone number again asking for me. The call was then transferred to me and I again repeated to them that they were not allowed to call my place of employment and that I will be filing a complaint about their harassing, unwanted phone calls. The representative ( XXXX ) said that no one ever noted in their system that the phone call is unwanted or on the do not call list but he is making a clear note regarding it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfoliocovry calls from a different number every time. I spoke to a female and explained she has the wrong number and she said she will remove the number from the list but everyday I get the same call about the same person and from a different number of whom I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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: Account status incorrect

Complaint:
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, Experian and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).

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 2022-08-31
Company: DISCOVER BANK
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 information incorrect

Complaint:
This account was charged off in XX/XX/2017. The error they have made is they have continued to report an active payment history since then, almost 6 years! It is my understanding that a charge off account is not suppose to report an active payment history! Its illegal that they are updating the status date when the charge off was in XX/XX/2017. 

i am in fear this impacting several factors within my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CARD Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is the second time I'm reporting card.com prepaid card company. My family and I lost our home in a house fire last year in XX/XX/2021. We set up a XXXX account, out of almost 7k that was raised, they have with held XXXX of it since XXXX of XXXX. I have submitted legal documents, social security cards, driver 's licenses, current and past utility bills, along with ALL of the XXXX  account info. Because ONE payment came in from the deposited under my husband 's name, they locked the account down pending paperwork. It's been locked since XXXX. Contacted the FTC last month, within a week I received a call saying all money was being returned to the deposited.. XXXX. I called on XX/XX/2021 and was told they deposited {$1700.00} out of 2k.XXXX for " their fees '' back to XXXX. I have since received confirmation from XXXX  this is not true. Now they refuse to speak to me and have closed ALL 3 cards attached to the account out of spite. NOW saying I'm no longer a customer, they're refusing to speak with me. We NEED our money!! Please help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have already submitted a complaint regarding the factual issues with how my company has handled my income-based repayment plan. Please reference complaint ID XXXX. I am filing this complaint because I do not believe the original complaint was resolved and there was no continuation option other than to provide feedback which will not go anywhere. Despite the futility, I did submit feedback. 

This complaint will not focus on the facts of the exact nature of the original complaint, rather what was not addressed. The facts under the previous complaint demonstrated that my income of record did not match the advertisement and marketing puposes of the income-based repayment plan. The plans are supposed to move and dovetail with actual income, however, several factors indicate that is not the case. Nelent Inc. representatives even acknowledged that the most recent calculations could not be accurate. 

The allegations in this complaint is similar but is instead focused on the practices of Nelnet IncXXXX in application of the repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The alarm company was notified by phone to cancel this account before renewal. They required a letter which was sent, not authorizing future monitoring. I was not notified that they were still monitoring our system for the following YEAR. No notification was received until I saw a collection on my credit and contacted them. They said they had no record of the cancellation. After not receiving any type of payment, why would they continue monitoring for such a period of time? This account was canceled and closed. Also, the dates of monitoring and when they say this collection was due, do not coincide. I have reported this to another credit bureau and it was taken off my credit report but XXXX  says its my responsibility. I also believe this is a different collection agency reporting than the original one. So the tactic has become to just change agencies who report to a different credit bureau to keep pressuring for payment.

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 2021-09-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I ( XXXX XXXX XXXX ) am in receipt of a letter received on XX/XX/2021 from XXXX XXXX XXXX. 

Per the letter it states the following Please be advised we have been unable to obtain the verification in the timeline required at this time. Therefore, we have requested the account be deleted from any consumer reporting agency files to which we have submitted information.

Letter uploaded.

It has been 88 days and yet the alleged debt and derogatory remarks remain on all three credit bureaus. See attached.

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 2022-08-31
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In addition to my previous complaint with Comenity, I have paid my bill in full and have a negative credit due to returns. No purchases have been made and they have not sent me a check for the $ owed to me. However they are still continuing to charge me INTEREST even though the account is paid and they owe me $ at this point. 

I called the customer service line and XXXX said it was because the account was in dispute. I don't understand how the company can charge interest when the account is fully PAID and they owe me {$36.00} already ( not even counting the amounts I disputed for the nonexistent billing/credit interest ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my income information to update my payment amount on XX/XX/22 and my student loan portal showed I would get a response by XX/XX/22. Not only did I get no response, the website now shows I have no pending requests.

Company response to consumer: Closed with explanation