BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
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 am currently in school therefore I put the loans I have with Wells Fargo in forbearance. I received an alert notifying Wells Fargo is reporting my accounts delinquent When I contacted Wells Fargo they assured it was a mistake and that the information would be corrected and updated. While I have seen the account has been updated with XXXX  it is still reporting on the other credit bureaus as late/delinquent which is harming my credit tramendously.

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 2021-09-16
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a private student loan financed by XXXX XXXX Navient since the year of 2010 I have made many payments on time and have recently lost the cosigner my mother and asked to renegotiate terms interest monthly payment amounts. No help of any kind little info to provide on my loan and why my interest has increased over 11 % on a loan balance of XXXX. This company is terrible and whats worse is the school it funded and I attended the XXXX XXXX XXXX is closing and I ca n't get a call or email back about getting a XXXX transcript why in the XXXX should these people get anymore of my money when this for profit was a scheme for the approval of private predatory loans with a failure rate of 50 to 90 % why should we pay back what should have never been approved for in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient, years ago, had contacted me about consolidating my loans. I did so with them, but they still appear to be charged interest on BOTH loans separately. Not only that, but they convinced me to go into forbearance at the beginning, so I had several years of not paying the loan without accruing interest. However, once I started repaying the loan, the interest came into play with a vengeance, and turned my {$10000.00} ( approx. ) worth of owed money into almost {$15000.00}! I began paying Navient in XX/XX/2017, and had made a significant amount of payments on the loan and the interest ... or so I thought. After over two years of consistent and costly payments -- ie. paying more than the required monthly amount for more than a year -- I still have over {$12000.00} owed. I have attached the report of my payments per the life of my loan as something is not adding up and I believe Navient is not using my payments to actually pay off the loan or the interest I originally accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, i had a bank of America checking account, and had deposited my payroll check, and my girlfriend 's payroll check into ATM. Bank of America did not like this for whatever reason, and seized the money for 30 days+.Bank of America then closed my account. Sent me the money. And reported to a company called XXXX XXXX that reports risk analysis to banks and determines I am too high of a risk to have an account at any bank. I 've called the company and they said call bank of America. I am no longer a bank of America customer therefore they are of no help. So I 'm stuck with no bank account for the past 5 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 2020-02-26
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX for internet. I closed this account XX/XX/XXXX. At that time I was advised that there would be no additional charges. I then started receiving emails, telling me that a payment of {$66.00} was due, but showing that nothing was due. Sometime around the end of XXXX, XXXX XXXX sent to me to collections, with a company called Convergent. I received a letter from Convergent XX/XX/XXXX, stating that they were authorized to give me payment options, one of these options was to pay {$49.00}, and the account would be considered paid in full. I mailed out a check in the amount of {$49.00} on XX/XX/XXXX, to the address listed on their letter, and with the payment stub that they sent. I then get notification from XXXX for the additional {$16.00}. When I called Convergent this morning ( XX/XX/XXXX ) i was advised that my account was no longer active with them, and that they couldn't help me. That because I sent the payment directly to XXXX and the letter was just sent to me to get me to pay, that XXXX really hadn't authorized this short payment, that they could not help me, that i would need to speak with XXXX directly. When I asked them why they told me to send the payment to XXXX, she said because that is where it was to have been sent.

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 2018-01-09
Company: National Commercial Services, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX informing me that I, personally, owed approximately {$15000.00} to a company named XXXX XXXX XXXX, also located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 

I have known this company, and the the owners for many years. Various companies that I have worked for did do business with them. One such business, XXXX XXXX XXXX, did do business with them in XXXX, and those transactions resulted in the $ 15,000+ dispute. XXXX XXXX XXXX believes that XXXX XXXX owes them a considerable sum of money, and perhaps XXXX XXXX feels it is the other way around. 

However, I am not, and have not been, an owner, or an employee, of XXXX XXXX XXXX. I had nothing to do with the business dealings or transactions that created this dispute. Notwithstanding that fact, XXXX XXXX engaged the business next door to them - National Commercial Services ( NCS ) - to begin collection proceedings against me, personally. This was, and is, an obvious attempt at harassment. XXXX XXXX and NCS clearly believes that by subjecting me to this campaign of harassment, I might pay the debt they allege is owed, or at least lobby XXXX XXXX XXXX to pay the debt. 

On XXXX XXXX, XXXX I dispatched a letter to XXXX XXXX XXXX of National Commercial Services, informing him in no uncertain terms that I was not, and am not, a party to the debt, and their attempts to collect this debt from me is improper and exposes them to liability. 

Still, NCS continued it harassing collection attempts with additional demand letters. On XXXX XXXX, XXXX I learned that NCS placed an {$18000.00} collection debt on my XXXX credit report. I assume NCS has done likewise with other credit reporting agencies. 

This egregious and inappropriate action has obviously caused me severe troubles, as I have been attempting to rent a home and apply for other types of consumer credit. 

These tactics to extract money from myself, a person who is not, and never was a party to the underlying transactions is a flagrant abuse of the Fair debt Collection Practices Act ( FDCPA ). I respectfully ask that the CFPB take appropriate action against National Commercial Services of XXXX XXXX, California, and that they be ordered to remove their collection debt against me from any and all credit agencies.

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 2020-02-26
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called in paid off my target red card in XX/XX/2019. The card was closed at that time and no additional charges have been made. On XX/XX/XXXX I received information when trying to purchase a car that my target credit card was reflecting past due. 

Confused by how this could be considering the account was paid off in XX/XX/2019, I called the contact center. The call center rep informed me that there was a returned payment on the account, but was unable to provide any additional details and then the call was disconnected. 

I then attempted to contact the call center again to get to the bottom of this. The call center rep at that time was unable to explain why my account was reflecting past due. I advised that I have not received any statements or notification there was an issue with my account until I received a credit alert while trying to buy a car. I requested all statements be sent to me so I can see what happened on my account. I was put on hold and once again the line was disconnected. 

I once again called back to to the call center and requested information regarding why my account was now reflecting past due when I paid it off in XX/XX/2019. The agent once again confirmed my address and said that she " saw '' why I was not notified of this and why i was not receiving any sort of statement from Target. It was stated that there is an internal verification that has to take place and that this never happened on my account and that is why I havent received statements. The call center then put me on hold and i have now been on hold for 25 minutes. 

I am requesting that Target red card remove any negative remarks from all 3 credit reporting agencies as I was not alerted of any issue with this account and none of their reps are able to provide to me the information I need showing that I owe these money to target. 

Target should consider updating their process to ensure customers are receive statements and proper account notifications. This is very confusing for consumers to understand what is happening to their accounts. And that is after I have attempted to contact the call center 4 different times and no one can provide me any details or give me any info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 2 months before the card was closed and now I can not reap the rewards of this annual-fee credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I just started montering my credit because I am trying to buy a house, I see an ample amount of accounts on my profile that I have no knowledge of. I want these accounts to be validated and once you see these accounts don't belong to me I want these accounts removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
Sunday, XX/XX/2021 Affidavit XXXX  Dispute/Invalid Charge - CLAIM ID : XXXX To whom it may concern and with all due respect- I have made reservation on XX/XX/XXXX at XXXX 7 nights starting XX/XX/XXXX - XXXX, Now Due to covid 19 outbreak I have made sure I have the right to cancel to receive a full refund and I have a receipt/proof supporting that as well. 

On XX/XX/XXXX at XXXX I have asked to cancel the reservation at once. 

Late On JXX/XX/XXXX, XXXX/host got back to me admitting full refund policy if cancel before XX/XX/XXXX before XXXX at that day. 

Since then Im trying to get my money back from XXXX- they keep ignoring my requests and send me around to a different support team member or not taking responsibility at all till these days. 

For further questions, I can be reached anytime at XXXX Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Duvera Billing Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I recieved a letter about XXXX XXXXXXXX which i never consented to and duvera and XXXX XXXX and my XXXX XXXX is in the state of XXXX Georgia thats it im a XXXX year old girl with no job right now and i asked if the company can monitor my social security number because my old boss has my social security in their text if XXXX XXXX is XXXX it got rejected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I viewed a copy of my credit report via XXXX in XX/XX/2020 and I noticed an account, listing as collections on my credit report and I do not have a collection account. The account that is listed on my credit report in the name of XXXX XXXX and has an amount of {$4700.00} balance that I PAID and DO NOT OWE. 
I wrote XXXX  and Experian on XX/XX/2020 and asked them to please remove this negative reporting from my credit report and they refused to remove 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 2022-08-11
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:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-09-15
Company: BARCLAYS BANK DELAWARE
State: NY
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:
We bought a ticket on XXXX on XXXX XXXX from NY to XXXX. The ticket was somehow booked through XXXX XXXX, dates XXXX, XXXX XXXX, XXXX. This flight was cancelled due to Covid19 back in XXXX. This ticket was actually refundable even before Covid19 with a {$150.00} penalty. The total price for this ticket was {$1000.00}.

For some unknown reason XXXX  divided this round trip ticket into two separate one way tickets ( {$550.00} and {$480.00} ), so at maximum the penalty would be {$300.00} for the refund in normal circumstances, even without the Covid19 cancellation. However, I did not receive anything so far, even though they keep telling me that they will give me a full refund. I made many, many calls to XXXX, sent emails to the supervisors, to XXXX XXXX, CFO and XXXX XXXX, CEO, gave them my bank info ( for some reason XXXX   can't return money back to my CC account? ) but it is not going anywhere. I was told that XXXX tried to reach XXXX airlines but was also unsuccessful. Finally I filed a dispute request on XXXX, XXXX with Barclay CC by which I paid for the ticket. They issued a temporary refund but it was reversed a few days ago. So now I am back to square one- have no refund at all. Please help to resolve this issue.

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation