BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
Company: ONLINE Information Services, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is attempting to charge me for services I did not receive after the flood in XX/XX/XXXX. We were forced to relocate and was provided housing by FEMA. We lived in a hotel in XXXX XXXX for 3 weeks until we were able to find new housing in XX/XX/XXXX. I contacted XXXX and advised we would not be returning on XX/XX/XXXX. I have recently received notification on my credit report stating I owe {$420.00}. I contacted the Collections agency and was advised XXXX did not discontinue my services until XX/XX/XXXX. I explained the situation to the representative and he was extremely rude and advised he was going to mark my account as a refusal to pay. He was disrespectful, inconsiderate and provided horrible customer service. I contacted XXXX directly on XX/XX/XXXX and was provided the same information given by the Collections representative. I explained to both the representative and her supervisor we flooded and contacted them in XX/XX/XXXX to discontinue services due to this reason. Both advised there was no record of us contacting them and I offered proof of relocation and having found a new home and no longer resided in the flooded home. I proceeded to ask the supervisor why is it they are unable to provide any assistance as I was a victim of the flood of XX/XX/XXXX and no longer lived there. She stated they provided multiple types of assistance for 9 months following the flood to their customers. I do not understand how someone can be so cold hearted and disregard someone having lost everything and have to relocate their family. I advised the supervisor I am more than willing to pay whatever balance I had prior to the flood and nothing more as I am not responsible for their error. She said she would gladly take my payment but would not remove any other charges and I would have to file a dispute with the credit reporting agency and they would provide paperwork validating the services. What good is that if I am not responsible for the charges. I have contacted them everyday since for their manager only to be told shes not in the office. I have no problem paying what I may owe but refuse to pay for services I did not receive and did contact them to discontinue services. To explain to someone you dont know that you lost everything you worked so hard for over the years to only be told they have no record of contact and its possible to have more than one lease is beyond heartless. I have worked in customer service over 15 years and would never say anything so inconsiderate to someone and always go above and beyond to find a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient keeps reporting incorrect information to the credit bureaus regarding my accounts, they are adding balances and subtracting balances and reporting incorrect late payments.This is adversely affecting my credit scores! I am in the middle of obtaining financing for a home for me and my children and their frequent updates are detrimental to this process. I have not received notice that I was out of forbearance during the times that the late payments were added to my credit reports. I have disputed with all 3 credit bureaus and Navient. I respectively ask that the lates reported from X/2013-X/2013 be removed immediately and set to current. I contacted Navient about the incorrect reporting and my loans were placed back in forbearance. Also, I want all loans older than 5 years removed off all 3 credit reports, as that is more than the statute of limitations for my state ( FL ). I need this done ASAP, as Navient is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: U.S. BANCORP
State: MD
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:
Financed auto mobile XX/XX/XXXX All payments made and listed current until XX/XX/XXXX. XX/XX/XXXX Payment made XX/XX/XXXX payment reversed and returned without cause or notice XX/XX/XXXX account listed as 30 days late. US bank was notified removed late charge fee did not remove 30 days late from credit report or explain the reason for payment reversal. XX/XX/XXXX Notified US Bank of discrepancy XX/XX/XXXX again notified US BANK of discrepancy still mo change XX/XX/XXXX again notified again no change.

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 2018-03-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Wells Fargo Financial interfered with a dispute I had with an insurance company over the damage on my car. I was in the process of getting legal assistance when wells fargo illegally interfered and signed off my car to the insurance company. They are responsible for my negative balance. Since then I have been harassed by Wells Fargo Financial, and my credit has been ruined due to their actions. I have been abused by this company.

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 2017-11-20
Company: Experian Information Solutions Inc.
State: OH
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:
filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from XXXX in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: ALLY FINANCIAL INC.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was on the board for a company that bought a vehicle in XXXX. I cut ties with that company in XXXX. The company stopped paying on the vehicle in XXXX of XXXX. I was unaware of the lack of payments or that my name was used on the vehicle purchase as a co-signer. I didnt receive any notice from Ally about the delinquent debt until it showed on my credit as a charge off.

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 2018-03-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from XXXX in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: AES/PHEAA
State: MD
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:
I am having issues with FedLoan servicing because someone is inaccurately reporting my student record to the Department of Education. 

XXXX and XXXX are reporting my status as graduated as of XX/XX/XXXX, going back to XX/XX/XXXX, XXXX XXXX XXXX is reporting my status for XXXX College as not found because I only enrolled at XXXX and never XXXX as of XX/XX/XXXX, the Department of Education NSLDS system is reporting my enrollment status as half-time as of XX/XX/XXXX, and FedLoan Servicing is reporting my enrollment status as currently enrolled full-time as of XX/XX/XXXX. I graduated from XXXX in XX/XX/XXXX and have not enrolled at any institution since. 

XXXX, FedLoan Servicing, and the XXXX XXXX XXXX are saying this is an issue with the Department of Education. The Department of Education is saying this is an issue with XXXX and also stated that FedLoan Servicing is required to accept documentation from MIIS or XXXX to correct my student status. FedLoan servicing informed me that they can only correct my enrollment status using information from the Department of Education directly. 

Instead of being provided with a solution, FedLoan Servicing provided the suggestion of filing a School Related Deferment Waiver Form ( Form SDWFR-XBCR ). I am concerned about filing the waiver because you are only allowed to ever do this once in your entire lifetime and it has potential financial and legal ramifications. I do not feel like this is an appropriate workaround for my situation when rather the responsibility should be for the entity holding incorrect enrollment data to correct it. While I may wish to file Form SDWFR-XBCR at some point in the future, I do not feel I should be forced to file it now as a remedy to my situation. 

I spoke with agents XXXX, XXXX, and XXXX at FedLoan Servicing during multiple calls on the evening of XX/XX/XXXX. I spoke with XXXX and XXXX at the National Student Aid Information Center on multiple calls on the evening of XX/XX/XXXX. At the XXXX XXXX XXXX, I spoke with XXXX in enrollment verifications, XXXX in deferments, and their manager XXXX at approx. XXXX EDT on XX/XX/XXXX. A response from XXXX via email is also attached to this complaint. 

I do not find the current remedies to be acceptable and feel I am being punished because someone else messed up data on me that I am unable to fix. Please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit bureau in direct violation of GRAMM- LEACH BRILEY ACT, 49 CFR 801.56, FCRA , FDCPA and various consumer protection laws.

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 2020-11-05
Company: ResidentCollect, Inc.
State: GA
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:
Innovative recovery Inc. Has been reporting to the credit bureau everyday and I have lost over 60 points on my credit. I have a XXXX XXXX card, with XXXX XXXX to alert me when my credit score changes. I called the company to inform them of this and they literally brushed me off. They sent my invoice to an incorrect address, which I did update, but refused to acknowledge the daily reporting to credit bureau. I also tried to set up a payment arrangement, they told me they would continue until the debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to you guys on last year regarding some items on my credit that were not mine. There are still a some items that are not mine and needs to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have reached out to the FTC and local police regarding this. I am doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: AMERICAN EXPRESS COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I received an email from a friend with a recommendation to apply for the Delta Gold credit card with American Express. Using the link, I applied for the card and received my first membership email from American Express on XX/XX/XXXX. The special rewards offer at the time was that I could receive XXXX XXXX points if I used the card for {$3000.00} worth of purchases within the first three months of applying. I completed that requirement by XXXX, but by XXXX I still hadn't received those points. 

When I contacted customer service the first time ( in XXXX ), the representative told me that the points should be applied within 4-6 weeks, and gave me a bonus of XXXX points for the inconvenience. Six weeks passed and I still hadn't received my XXXX points. I called again, and was told by another representative to call back a week later. I did so, and was again told to just keep checking back. That was about a month ago, so tonight I tried calling one more time and was put on hold for about 8 minutes before the call was dropped, either because the phone had been on hold for too long, the representative was just hoping I'd hang up, or there was a bad connection somehow. Regardless, I am so tired of making phone calls about an issue that should have been resolved almost six months ago. If I fulfilled all of their requirements, then there shouldn't be any problems with American Express upholding their end of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get phone calls morning XXXX  and night. I have told them to stop so many calls but they still call even on Sunday in the morning. I had two calls in a row on a Sunday morning from XXXX XXXX. I received 9 calls on Saturday. I receive about 9 during the week day every day as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
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:
I am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity Bank through XXXX XXXX processed my Email address incorrectly when I opened the card such that I never received a statement and then made me jump through hoops to waive the resulting interest and late fees. They even tried to negotiate with me to waive {$15.00} of the late fee vs. the entire {$38.00} late fee. In the end, they only waived one late fee and not the interest even when I paid the entire balance after finally receiving the bill. The Comenity team member was overly aggressive to protect the " Comenity policy '' on not waiving fees and interest when a payment is not received even when the fees and interest are bank errors on them and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been over 30 days since NATIONAL CREDIT SYSTEM and XXXX XXXX XXXX received my correspondence which contained my VALID DRIVERS LICENSE, FTC ID THEFT AFFIDAVIT, POLICE REPORT and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was involved in the XXXX  bank scam it has been on the news. I have XXXX though Wells Fargo. On Friday XX/XX/XXXX I received a phone call from the online fraud department. The phone number the person was calling from was a legitimate number from Wells Fargo. Because when I called the number back the next day I was talking to the real Wells Fargo. So they called me on the phone claiming to be the online wells Fargo fraud department saying " did I attempt to XXXX ( send money ) to someone in the amount of XXXX dollars '' I then said " NO ''. Then they said " Ok let me help you '' Lets send the money back to yourself before it gets to the other recipient. First we are going to add yourself as a recipient by using your phone number. so I did that. Then he said lets send the money back to yourself now. So that's what I did. But the money did not go back to myself it was GONE it went to somebody else that I do not even know. They went into my online banking session and hacked it.t They linked my phone number to someone elses account. Just like that the money was gone. I have been making numerous claims to wells fargo and reached the higher escalations department hours and hours on the phone and I just keep getting denied. Its just horrible I just want my money back.

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 2016-06-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My Serve prepaid account was closed. I have yet to request our FINAL statement ledger showing deposits, withdrawal and ending balances. We were only sent some statements but not all. Most importantly the final accounting of the main Serve account as well as the XXXX subacccounts associated with it.

Company response to consumer: Closed with explanation