BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have an business checking account under XXXX XXXX XXXX, one of an issued check ( around {$2000.00} ) has been stolen and person who stole the check have it deposit at wells fargo branck which payee information is not match, I file forgery affidavit claim with police report thru XXXX XXXX XXXX towards well fargo, wells fargo fist said resolution time frame is form 90 to 180 days, XXXX XXXX has follow up with wells fargo every month and it show pending, it has been 180 days now, well fargo still didnt have any update regarding my claim. I dont know what can a customer do now. thank you for your 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 2023-11-09
Company: Experian Information Solutions Inc.
State: UT
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-05
Company: EQUIFAX, INC.
State: OH
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:
To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my report. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
credit report from Transunion/FICO, XXXX, and XXXX/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports

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 2022-12-09
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-07
Company: Nelnet, Inc.
State: NY
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:
My student loan debt was transferred from Great Lakes to Nelnet. Since XXXX, I have been attempting to resolve an issue with a payment that was received by Nelnet but not posted to my account. 

On XX/XX/2023, a payment was sent to my account in the amount of XXXX. This payment is paid on my behalf from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my contract with the XXXX XXXX XXXX, I am required to submit proof that each payment has been received by my loan servicer. However, Nelnet has not posted this payment. 

I recently spoke to a customer service representative who informed me that Nelnet was in possession of the payment since the merger with Great Lakes. The representative further notified me that they are aware of the fact that my payment, along with other customers ' payments, have not been posted. 

Nelnet 's failure to post this payment constitutes business malpractice and has resulted in two concrete consequences that negatively affect me : 1. ) I have been charged interest on my loans that would not have been charged if Nelnet had properly posted the payment upon receipt. 

2. ) I am out of compliance with the XXXX XXXX XXXX, which could jeopardize my opportunities in future government contracts that are important for my career. Further, the remaining payments from the XXXX XXXX XXXX can not be released, further increasing the interest that Nelnet will collect. 

Nelnet 's failure to post payments also affects other customers. Any interest accrued on these accounts due to unposted payments should be immediately returned to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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:
I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$550.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX ONLINE IN SV ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance : {$490.00} INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX : ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First, I filed a complaint regarding Genesis collection practices and the fact that the debt is not owed. Next, Genesis addressed the issue regarding the debt but the failed to explain their violation of legal collection practices.

1. Genesis has never provided any written communication regarding the debt collection. Genesis only sent documentation once a complaint was filed with the credit bureau.

2. Genesis has phoned and texted my cell number. Genesis has been told if they have an issue to send it in writing. Genesis has not sent any written complaint.

3. Genesis contacted my sibling stating that they were trying to contact me to " help '' me out with an issue. My sibling noted that the call appeared suspicious and told them to call me. My sibling reported the call to me.

4. After telling Genesis to only contact me in writing they have continued to call my cell phone. I am maintaining a log of the calls and the voice mails they are leaving.

Genesis appears to think that they are above following FTC guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not sure why they continue to call me on this. This is not my debt and they are unable to prove that this debt was obtained by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with 21st Mortgage. My payments are {$690.00} a month. It is considered late on the XXXX of the month. I am past due for XX/XX/XXXX and owe for this month XX/XX/XXXX. 

I tried to make XXXX payment on XX/XX/XXXX of {$690.00} they are refusing my payment. They are very XXXX  and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA segment 605, you are required to destroy all records captured on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Company: DISCOVER BANK
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to file a complaint to DISCOVER BANK regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXXI have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-25
Company: JPMORGAN CHASE & CO.
State: OH
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:
I even lost track years later attempting to resolve this with Chase. I was supposed to be able to use points on my XXXX card on XXXX. That never happened. I erroneously blamed this on XXXX. Today I dug deeper and found that SOMEONE at Chase had entered false information into my points summary. " You've asked us to not share your points for CREDIT CARD ( ... XXXX ) with XXXX. '' This could not be further from the truth! Why call the number on the back of the card? I already called years ago! I should not be forced to be babysitting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX - Regular mortgage payment was made. I didn't realize the payment had changed due to escrows withheld increasing and the payment is auto paid each month. XX/XX/XXXX XXXXpecialized Loan Servicing ( SLS ) phoned me to let me know my payment was sitting in suspense until the balance was paid. Payment was made over the phone and processed. 30 day late occurred which was never mentioned. 
XX/XX/XXXX - House was sold thru the normal process. Payoff was sent via XXXX  and received on XXXX for the full payoff amount provided by SLS. I'm in the process of refinancing my current primary and the mortgage wasn't showing paid off as of the end of XXXX. I phones SLS and they told me turn times are delayed and they recorded the payoff as of XX/XX/XXXX when they had a live check on XXXX in their possession. I did receive my escrow refund and mortgage note as being paid in full from the company. 

At that time the mortgage late for XX/XX/XXXX was supposed to be updated and removed from my report. I received a call from my mortgage representative I'm refinancing thru and they let me know my credit report still showed a discrepancy for XXXX and now one also showed for XXXX. The house was already paid off. Now I am receiving credit updated monthly from Experian. To make matters worse they now show my credit file in XXXX as paid off for less than the balance owed so another negative hit which all in all cost me about 75-100 points on my credit report and makes me ineligible to refinance costing me additional funds each month on my current mortgage. I have had credit for 25 years and never have I have any late payments. I have made several ( 20+ ) attempts to get this corrected and to no avail. I make calls, service ticket have been opened for months with no resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Incomm Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023 I purchase two XXXX XXXX gift cards worth {$500.00} each at the XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I attempted to use the cards on XX/XX/2023 and they didnt work so I called the number on the back. 
They told me to send a picture of the receipt, the cards front and back, and a photo I.D . Which I did. I was told it would take up to 30 business days. Its been well over 30 business days and still no replacements Upon calling today XX/XX/2023 customer service was rude to me and asked me to wait another 30 days. These are violations which are resulting in injury to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence from Commonwealth Financial in reference to 2 medical bills on XX/XX/XXXX where services include Emergency Evaluation for {$960.00} and XXXX XXXX XXXX for {$51.00}. The provider is XXXX XXXX and were provided at XXXX XXXX Hospital on XX/XX/XXXX in XXXX XXXX XXXX, Florida. My Name is XXXX XXXX XXXX XXXX, ( The bills are in the name of XXXX XXXX XXXX ) I've not received services from a hospital in 15 yrs, Certainly not from XXXX XXXX Hospital nor been attended to by XXXX XXXX. My concern for Commonwealth Financial is what are your standards and protocol of verification of a bill to an individual? Do you verify birthdate?, Social security number? If you did, you would clearly know that these medical bills dont belong to me. I've contacted XXXXxXXXX twice and left 2 messages for XXXX XXXX to resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. XXXXXXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

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 2023-09-05
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2023 I contacted Barclays AAdvantage card requesting a cancellation of the card if it was going to be carrying a membership fee when it renews after the first year. 
The request was not heeded and the bank took out the {$95.00} out of the positive balance I have had with them and then refunded the remainder. 
I inquired about this on XXXX when I got back into the country I was told that the bank would not have promised me to cancel the card if it was to charge the fee again. 
It then canceled the card upon my request ( again ) but refused to refund the annual fee already paid. 
I think this way of doing business is atrocious and extremely unethical.

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 2018-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I filed a complaint XXXX I contested collections under California state code for statue of limitations of 4 years a company response on XX/XX/XXXX PRA agreed to honor my cease and desest all calls and collections and communications to account XXXX on XX/XX/XXXX I received another communication of harrassment from Portfolio Recovery Associates of additional establishment of validity. I request that PRA be fined under state and federal laws and that I be comperstated for being harassed and for mental pain and distress on a senior citizen. amounts owed from XX/XX/XXXX is non collectable under Calidornia code as well as Federal codes. 
Thank You XXXX XXXX

Company response to consumer: Closed with explanation