BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
Company: AES/PHEAA
State: GA
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:
Fedloan Servicing is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with Fedloan 2. Fedloan is inaccurately reporting my student loan dept as a credit card debt! 
4 Fedloan switch their invoicing method to paperless with notifying me 5. I did not authorize Fedloan to switch my billing to paperless 6. I was not notified by Fedloan that my payment was past due 7. I  appemtepted to make payments via their website as directed by Fedloan 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. Fedloan is still reporting account that were paid in full as open 11. Fedloan is  reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with Fedloan spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company ( mr cooper ) served me with foreclosure papers after i filed for a modification through XXXX XXXX. They also sent the XXXX papers to my stepson mother and my other stepson. This has my personal & financial info and they arent listed on my mortgage so is it legal for Mr Cooper to send my info to other parties and how can they foreclose in the middle if a modification that hasn't been settled yet? Please advise if both matters are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Experian Information Solutions Inc.
State: SC
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 contacted Experian explaining that I am a victim of identity theft and I have no knowledge of the following accounts. I have provided a police report as well as an identity theft report & they continue to report inaccurate information on my credit report. These accounts do not belong to me XXXX XXXX XXXX, XXXX XXXX XXXX, and two accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and XXXX XXXX. There are address information that I also explained that I never live there XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. There is also inquires from things I have never applied for or gave anyone permission to look at my credit report for these companies 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 non-monetary relief
Consumer complaint received 2020-05-17
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This bank has been calling 5-7 times each day, including Sat. and Sunday, for several weeks now. I have never answered these calls. These calls are nerve racking because they are constant. I have contacted a company who is handling my credit card accounts, and will try to negotiate a settlement with the creditors, however they won't contact them until the accounts are 4-6 months past due. 2 days ago I received a letter from them, which I have to sign for, but I was not home and don't have it yet. These calls are from one creditor which is Synchrony Bank, XXXX. XXXX XXXX, XXXX FL XXXX Ph # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$17000.00} cashiers check at Chase bank in XXXX Illinois on Friday XX/XX/XXXX. On Monday XX/XX/XXXX my bank account showed that the check cleared. On Thursday XX/XX/XXXX I received an email that funds have been taken out of my account as of XX/XX/XXXX and that I need to " refer to maker '' [ of the check ] for the reason. I contacted the maker of the check, XXXX XXXX, who provided paperwork dated XX/XX/XXXX showing that the check has been paid as of XX/XX/XXXX ( so funds should be in my account ). I have correspondence from XXXX XXXX providing the details of this check and that nothing on the customer 's side or customer 's bank side appears to be the cause of this problem. My bank, Chase bank, has not only been unhelpful in providing answers about how a good check I handed them is now a bad check ( per the branch manager ), but they 're doing nothing to help fix [ what appears to be ] their error! The bank manager at the Chase bank in XXXX IL has been rude and condescending, and I feel like I 'm being discriminated against as some working-class schlep who 's trying to cash a " bad check ''. If one bank is showing this check has been paid, and my bank said it has not been paid ... where 's MY money sitting right now? What is the path my check took from the moment I handed it to Chase Bank, and where 's the money sitting now? I 'm getting absolutely NO HELP from my bank. Ive spent 3 days so far working to figure out a major bank error instead of running a business to make money. Im now afraid to deposit checks at Chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX OF XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX didn't authorize the above items listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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:
Accounts That Dont Belong To Me : XXXX, XXXX. 
XXXX Experian - XXXX XXXX XXXX | XX/XX/XXXX | {$220.00} XXXX - 11 XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX | {$220.00} Hard Inquiries : XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX XXXX, XXXX Finance, personal XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX - XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XXXX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX - XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided - XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies None provided

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 2022-10-04
Company: Sunset Management, 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:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

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 2021-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In the beginning of XXXX Bank of America allowed someone to open an account in my name online. I was informed of this when a statement was delivered to my residence. Immediately, I called to find out how this happened. After filing a complaint with them, I was informed that the account had been on XX/XX/14 ; however, in the early part of XXXX I received another statement from this account. I called Bank of America again and was reassured the account was closed. On XX/XX/XXXX, I mailed them a certified letter demanding that they immediately close this account. It is XX/XX/XXXX and I have not heard anything back yet.

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 2019-10-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I've been trying for almost a year to get my Lender Mr. Cooper to lower my payment by taking me out of the XXXX yr mortgage into a XXXX yr. 4 years ago I did a modification and was only given the option of changing from the XXXX to a XXXX or loose my house. My situation had improved just little so not having any other choice I did the XXXX yr. 
My payment went from XXXX to XXXX and I've struggled hard to keep up every since. When I bought the house my income showed all I qualified for was a payment of no more then XXXX, with the modification at a XXXX yr has set me up to fail. My house is all I have, I'm XXXX vet with a XXXX XXXX son and just need some relief from this extremely high mortgage please help. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: HI
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:
Back on XX/XX/XXXX I recieved my report from the company ChexSystems. On this report I discovered many errors, 23 to be exact. Some of the errors were with inaccurate names and addresses they were reporting, some were with the companies they have listed as inquiries, companies that I've never even heard of let alone gave my permission to. And there were also several errors in a section titled " Additional Information '' where they're inaccurately reporting things like liens, property owned and evictions on me that are down right FALSE, they are lies. 
So on XX/XX/XXXX I wrote them a highly detailed dispute letter going over each and every item that was being inaccurately reported on me. Then on XX/XX/XXXX I received another report from them in reply to my dispute letter and all but 3 things ( company inquireries ) still remain on my report. They claim " XXXX '' told them the information was accurate therefore its remaining on my report. They gave no validation whatso ever on this information they're reporting on me. They are a consumer reporting agency and must act within the laws set forth in the FCRA, but they ARE NOT. I clearly stated to them in my dispute letter that I was requesting full and legal validation on the disputed information as well as exercising my right to the removal of any and all items they can not provide legal validation on to me. They refused to provide me with any validation and also refused to remove this inaccurate information. Nor would they give me the oppertunity to make a statement for record on their report, they've denied me of all my rights, and are breaking the law.

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 2021-04-29
Company: I.C. System, 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 have received phone calls inquiring payment on a debt showing on my credit. I have requested numerous times for clarity on the charges via telephone from the agents contacting me from XXXX. XXXX, XXXX What am I being charged for, what is the original bill? I have not been provided clarity on the collection item. The name identified on the collections does not match my full name either.

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 2021-04-28
Company: FinCo Services Inc DBA Current
State: IL
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:
OnXX/XX/2021 at XXXX XXXX  I was charge for something I didnt make for XXXX I called the bank and the bank did an investigation and didnt find any fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX SERVICES ( Bank ) XX/XX/XXXX XXXX CARD SERVICES ( Bank ) XX/XX/XXXX These were hard inquiries I did not authroize. I have open XXXX  card. I have no XXXX  XXXX cards nor did I apply for any. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX These inquires have been on my report for years. I have contacted to have removed nothing has come of 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 non-monetary relief
Consumer complaint received 2019-05-31
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.

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 2022-08-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been a victim of identity fraud and my information was exposed on several different data breaches there is information on my report that is incorrect and I have asked to be removed items that do not belong to me wrong address names inquiries and telephone numbers these things are hindering me from obtaining credit and causing great hardship to me this makes it easy for thieves to keep applying for things in my name i had no idea all these things where on my profile until doing some research last year i an just getting around to asking for them to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have filled for Florida unemployment and I didn't know when I filed I signed up for the Way2Go debit card. I was given Way2Go 's number but in order to access my card I need to have a PIN number. Since I didn't know I initially signed up for it, I don't have any PIN number or information of the card. I would like to be sent a new card, so I obtain access of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: GA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries XXXX 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 2021-08-09
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a pet scammer of {$900.00} 2 weeks ago via zelle. the website that i had found them on was XXXX XXXX XXXX. the information on the website seemed legitimate and they claimed to be a family etc. They even offered for me to pick up the puppy in person. even though im usually very skeptical, i started to feel a bit more at ease because they gave me the option to see the puppy first. 

To keep a long story short, the scammer contacted me via email and text -- we conversed for a while regarding the puppy over text until i came to the decision that i would go through with the purchase. the scammer suggested XXXX XXXX  or zelle for payment method. Initially, he said that I would only have to pay half and the rest once I receive the pupppy. I already had XXXX XXXX  and wanted to move forward with that and the person tried to push zelle because it was " faster ''. I proceeded to process through XXXX XXXX  saying that i didnt want to set up zelle if i already had one of the payment options set up. The payment was pending because it was coming out of my bank and the person notified me that he was unable to send the medical documents of the dog or " transfer of ownership '' until he received the first payment. the dog was a gift for my my mom because of recent XXXX that she has been going through due to the death of her 2 best friends. 

i ended up using zelle from my bank. of course, i trusted the person to keep to his word of refunding the XXXX payment if the zelle went through, but in the end, he did not refund either payment. i contacted my bank and they were able to refund me my XXXX XXXX  payment, however was unable to do so for zelle. at this point in time, i have contacted zelle via telephone 6 times and emailed them 4 times, submitted a scam claim through them as well as on a federal website. 

zelle confirmation number : XXXX, ID # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Certified/Return Mail was sent to this creditor, National Credit System requesting that the account # XXXX since XX/XX/2018 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. XXXX XXXX XXXX, XXXX must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I never got a follow-up response from XXXX at Discover, regarding transactions and a negative balance. She told me they will look back into it and I never received an updated response. It has been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Old information reappears or never goes away

Complaint:
Bank of America is reporting information to XXXX that has enabled them to keep a negative account that should have been deleted in XXXX, active ... according to XXXX, until XXXX XXXX, 2017. I filed a dispute with XXXX stating that the account from BOA should have been deleted ion XXXX. They claim that information received from BOA during their investigation of my dispute causes them to keep the account open for 10 more years.
The account should be deleted immediately. If what XXXX is claiming is true, information that BOA supplied them is in error.

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