BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-15
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 I was alerted by XXXX XXXX and XXXX that I have a collection with First credit services for a gym membership with XXXX  XXXX XXXX. This membership should have been cancelled years ago as I had asked them. The email I received was with XXXX XXXX XXXX for {$98.00}. I called them to resolve they said call first credit services as my account is in collections. First credit services first said they have no information of mine. I called again and was told I was in collections for {$160.00} which is much more than XXXX financial services had told me. I told first credit services, I will gladly pay the balance if they agree to remove it from my credit report as it is not legitimate. First credit services said they can not help me and to call XXXX XXXX XXXX. XXXX XXXX XXXX said they can not help since the account is in collections already with first credit services. First credit services was still unwilling to help me. They would not take a payment from me or remove the remark from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/21 at around XXXX XXXX  I went to Bank of America ATM machine to pay my credit card bill. After I scanned my card the money window opened. I inserted two  XXXX XXXX dollar bills. The machine took my bills and right after that the machined died. It did not print any document as a proof of accepting the money. I then went inside the lobby to complain. The manager listened to my complaint and said Oh dont worry it will be credited tomorrow. 
It has been over 45 days now that my money is not credited. During this time I called the bank several times. Each person says different time. They say it will take a week, or sometimes a month or two or even three. They are just making may go around. I am a retired man and every dollar means so much to me. I need someone to 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 monetary relief
Consumer complaint received 2018-06-12
Company: Nelnet, 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: Account status incorrect

Complaint:
The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed XXXXXXXX XXXX XXXX. Then to Nelnet/Dept of Ed Student Loan Service. XX/XX/XXXX, of each year, a deferment was applied for and awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is an account which has been discharged and dismissed under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. I was unaware of the account on my file until I wanted to get an update on my scores

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 2021-04-13
Company: Experian Information Solutions Inc.
State: TX
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 few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years

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 2021-09-14
Company: Syncapay, Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I wasn't able to download it to my digital wallet as advertised. They then charged a {$4.00} " Monthly Maintenance Fee '' for a digital card which makes no sense. When the card expired ( 12 months from date of issue ), they charged a {$12.00} reissue fee which covers shipping and handling for a replacement digital card with no shipping or handling. The process for requesting a replacement card is unduly burdensome. Despite it being an electronic card and all communications being done electronically, to request a replacement card, you have to print and send a form via u.s. mail that must be received by a certain date. There is no mention at the time of requesting a replacement card that there is a {$12.00} fee. As a result, my {$80.00} prepaid card is now {$50.00} and who knows if/when I'll receive a replacement. When I asked to waive the fees, I was told both the reissue fee and maintenance fees " can't be waived. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
recently obtain a copy of my credit report and noticed accounts that did not belong to me reporting inaccurate on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I DO NOT OWE THIS CMPANY. THEY CONTACTED SOMEONE OTHER THAN MYSELF AND DISCUSSED THIS MATTER. PLEASE REMOVE THIS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 have two credit cards with Capitol One that have been open since XXXX. In XXXX I was in graduate school and going through a rough time financially. From XXXX to XXXX of that year I was unable to make payment and thus resulted in lates being reported to the credit bureaus. I resolved to issue as soon as I could and made arrangements to get back current. Since then I haven't missed any payments. I am in a much better place financially. I graduated school and took a salaried position. This will no longer be an issue and I have contacted both Capitol One and XXXX to explain this and ask if the lates could be removed on good will. Capital One tells me it is out of their control and I need to contact the credit bureaus. XXXX tells me there is nothing they can do. I have heard of it being done before and just need instructions on how to proceed. This is holding down my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've been disputing XXXX XXXX account along with other inaccuracies with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX, TransUnion, and 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 2019-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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: Card was charged for something you did not purchase with the card

Complaint:
I used my credit card to pay my XXXX cell phone bill once, will a few months later I was charged {$120.00} I disputed the charge, and locked my card. A few weeks ago they added it back and said they were mailing me information to dispute it via mail, they also sent me a link but the documents I have to support it are to large to upload. Now I am over limit and its reporting to the credit bureaus as me being over limit. On XX/XX/19 I called to let them know and he suggested I fax it in instead, I don't have access to a fax machine, why not resend the paper? I have never authorized XXXX to use my card or keep it on file and they are constantly trying to charge my card. I have a dispute with them for over six months that has not been resolved and I sent it to you as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11
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 belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-06-27
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
So over the past month or so both my interest checking and access checking accounts have been somehow overdrafting to insane portions and fees stacked high almost as soon as I get it to XXXX. Hitting my with three fees over the coming days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
these accounts that appear on my credit report do not belong to me, please check them. 
they are hurting me 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 
3. Identity Theft 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello on XX/XX/2020 I used the XXXX Feature within my Wells Fargo bank application to transfer money to a person who I had agreed-upon for purchase of a product. Upon me sending the money to the person I was then blocked and I have not been able to contact them since. I have reached out to Wells Fargo and XXXX and both are unable and unwilling to help me further with investigating or trying to get my money back. I have the persons personal information and text messages and Ive tried to submit a report with the police department in my local office.Any further information you are requiring from me I will be more than happy to provide. Please help

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 2021-10-22
Company: CITIBANK, N.A.
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:
On XX/XX/21 a charge for XXXX in the amount of {$14.00} posted to the account. On XX/XX/21 I filed a fraud alert. The card was cancelled and a new one was sent immediately. However, the amount of {$14.00} was never credited. I have made multiple calls to Citibank about this charge and keep getting told the amount will post in 2-buisness days. The amount has never been credited and the dispute still shows as open on the Citibank website. 
Their site states the dispute would be resolved no later than XX/XX/21. The last phone call to Citibank was on XX/XX/21 where I was once again told the amount will be refunded within 2-buisness days. I was also told that the case has been assigned to a fraud expert, but not being handled at this 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 2021-07-12
Company: MARINER FINANCE, LLC
State: LA
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've been disputing my Mariner Fianance account with XXXX XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to Mariner Finance myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX XXXX, and Mariner Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not have an account with XXXX  XXXX in XX/XX/XXXX. I have an account with XXXX XXXX now opened in XX/XX/XXXX. This debt is not mine. I am in good standing with XXXX XXXX and my credit history with them is great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have never received any communication from the debts from Healthcare Receivables that are reporting on my credit report. Per government statue medical collections are given a 6 month window before the post a collection on your account. I would of paid the collection for {$120.00} and the other on that is for {$160.00}. It amazes me that doing the time of Covid that companies will have such illegal debt practices. I contacted the original creditor and my account was billed to insurance and covered, so why the need to collect? I'm submitting this complaint against HEALTHCARE RECEIVABLES GROUP due to their total disrespect for my consumer rights under the FCRA/FCBA/FDCPA. I've been disputing incorrect and unverifiable information and requested intimate information about the suspected account, including a copy of an agreement with my signature on it, but I have yet to receive anything.They refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. My life has been completely ruined by this as I am in the process of getting a mortgage. I need help as I have had enough of their stalling tactics. I hope to get a positive response soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC takeover of BBVA compass bank is a total disaster. The switchover was XX/XX/XXXX and to date accounts are mot showing up, bank employees unable to help, phones not answered. PNC rushed to switch all of BBVA account to PNC and really screwed up badly. We can't get an answer of when they will fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: JPMORGAN CHASE & CO.
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:
I sent XXXX proof that I cured the bankruptcy with Chase in XXXX. Attached. I filed bankruptcy in XXXX. Chase is erroneously indicating on my credit report that the debt was included in Chapter XXXX Bankruptcy on XX/XX/XXXX. 

I filed bankruptcy in XXXX. My credit report should exclude bankruptcy since I am in a Chapter XXXX in 7 years. The bankruptcy should be removed in XXXX but it is still on my report and they indicate it will stay reporting until XXXX which is 13 years after I declared bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello. 

I have four consolidated loans with FedLoanServicing. They are taking an abnormally long time to do a review of my qualifying payments made for PSLF. It has so far been 81 days since I made an initial request to get an updated qualifying payment count. Here are the details : On XX/XX/2020, I sent FedLoan a request for a change to my Paid Ahead status as well as an updated summary to my qualifying payment count. 

On XX/XX/2020, FedLoan sent me an email stating " A review to confirm the total number of qualifying payments that you made for Public Service Loan Forgiveness ( PSLF ) has been submitted. We'll contact you after we complete our review. '' On XX/XX/2020, I sent FedLoan an inquiry on my previously requested payment count for PSLF qualifying payments. 

On XX/XX/2020, FedLoan sent me an email stating " We are currently still reviewing your number of qualifying payments. Once your request is reviewed, you will be sent notice of the results. '' Today is XX/XX/2020. Today is 81 days since I initially made a request for an updated summary to my PSLF qualifying payment count. 81 days is longer than I believe it should take to recount my qualifying payments. Today I contacted FedLoan once more to request an updated payment count for my PSLF qualifying payments. 

I would like to request CFPB 's assistance in helping me obtain an updated payment count for my PSLF qualifying payments, after a change in my Paid Ahead status, which occurred 81 days ago. 

Thank you CFPB for your help.

Company response to consumer: Closed with non-monetary relief