BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account showed up on my credit reports new as of XX/XX/2019 that is not mine. It is with XXXX XXXX. I never opened this account and when I call the company and give them my ss number they say I do not have an account with them. I have disputed this account with the credit agencies like Experian and XXXX XXXX to take it off my report but they refuse to.

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 2019-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 to XX/XX/2019 I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. Wells Fargo have not responded to none of my validation letters or police report and federal trade commission report that was certified mailed to them. The notarized signatures that goes with Id theft claim to. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My credit score dropped from XXXX to XXXX from this wells Fargo account and XXXX XXXX, XXXX XXXX that was reported on XX/XX/2019. On the other hand, they did removed the XXXX XXXX and XXXX XXXX on XX/XX/2019 but did not replace my points back where it should be, XXXX or maybe above. I have a good credit report file and my credit score shouldn't drop tremendously like that. I am fighting so hard to keep my credit score and report on the positive side. I feel the consumers should have way better protection. My fraud Identity theft, is not taking into a removal or into consideration. Additional to that, XXXX has not respectfully taken my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX  and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, XXXX  is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have removed the items off my credit report. Accept XXXX and the other credit bureaus on XX/XX/2019. I have communicated with XXXX and wells Fargo multiple time in the past that I am a victim of Identity Theft and XXXX  and wells Fargo has not takem my case into consideration.

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 2022-03-04
Company: ProCollect, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of apartment due to military orders. The complex was notified ( multiple times ) months in advance with no response until the month of the move out date. Apartment was clean upon moving out. 

After sending them the proper documentation ( military orders ), they still have not removed the account and now are saying there is an outstanding balance due to condition of the apartment after move. I have sent in documentation of the condition of the apartment after I left, including a video. Proving the condition of the apartment was adequate. 

Since I provided my military orders in advance, I am protected under the Service Member Civil Relief Act.

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 2019-08-05
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. IT HAS BECOME IMPOSSIBLE FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE NO IDEA WHO WOULD BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I overdrew my account due to errors related to my XXXX XXXX transactions for {$100.00} and {$230.00} on XX/XX/2019 resulting in two overdraft fees of {$34.00} each, one stop-payment fee of {$30.00}, and additionally, two returned payment fees of {$34.00} each on XXXX  bill of {$5.00} and my electric bill of {$120.00}. I called many times to get those fees reversed. They only waived {$12.00} out of the total of {$170.00} in overdraft and other fees charged to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am actively participating in the PSLF program. I submitted a PSLF application to FedLoan Servicing on XX/XX/XXXX with acknowledgment of receipt. On XX/XX/XXXX I received an updated count of my qualifying payments which showed a sufficient number for forgiveness under the PSLF program ( 126 of required 120 payments ). 

On XX/XX/XXXX I received notice that I was denied loan forgiveness under this program with the following reason provided : " NOT ELIGIBLE YET : You have not yet made the required 120 qualifying payments necessary to be eligible for PSLF. To qualify for PSLF, you must make 120 qualifying payments. '' This same letter still quoted my total qualifying payment count as being above 120. 

On XX/XX/XXXX I spoke to a representative at FedLoan Servicing who told me this is incorrect and just " wait for an updated letter ''. 

On XX/XX/XXXX I received an updated letter from FedLoan Servicing again denying me forgiveness with the new stated reason being " NOT ELIGIBLE : Your employment dates listed on the application were prior to XX/XX/XXXX. Only dates of employment on or after XX/XX/XXXX at a qualifying public service organization can be considered for PSLF or TEPSLF. '' This is incorrect information as the loans in question were not even disbursed until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: FL
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:
We purchased a pickup truck from a dealer and got a financing with high credit score ( XXXX and XXXX respectively ). 
An automatic payment was set up with XXXX XXXX XXXX ( XXXX  ), the financial institution, on XX/XX/XXXX. ( letter of acceptance on record ). 
The loan amount is {$320.00} for 40 months. 
WFS sold the loan and CLOSED the account on XX/XX/XXXX to XXXX XXXX XXXX ( XXXX  ). 
The automatic payment followed through until XX/XX/XXXX. 
XXXX did not report our automatic payment in XX/XX/XXXX when it was paid. The account from XXXX was already closed since 3 months, correctly reported as paid on XXXX, XXXX, XX/XX/XXXX but NOT in XXXX. 
XXXX was paid but did not report it as paid. 
A payment of {$640.00} was withdrawn on XX/XX/XXXX and an additional {$320.00} was withdrawn on that same day for a total of {$960.00}. Have bank statement on record. 
Despite the fact that XXXX was paid for XXXX, XXXX and XXXX, they withdraw more money and reported an unpaid balance in XXXX. 
XXXX has NEVER sent an email, NEVER sent a letter by mail nor has NEVER left a voicemail.

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 2019-08-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2019 I went to Drive through of Wells Fargo on XXXX XXXX XXXX, PA. And retrieved money. The agent who assisted me reached out to me and informes me she gave my Driver License and Debit car to the wrong car and she was going to call them so they can return it. She asked for my phone number so she can call me when they drop my card off. I parked and immediately I went inside to talk to the manager. All they say was they can cancel my card and give me a new one. I brought to their attention whoever got my card they knew everything about me. My name, date of birth, DL number, My address, everything and the manager stated again all they could do was to give me a new card. So I am reaching out to you because I am extremely upset and their own policy is to protect my personal information and they violently that. They didnt care or were careful they just gave it away.

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 2020-06-07
Company: ACIMA CREDIT, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I purchased a livingroom set and tv stand for {$1600.00}. I applied for credit at that time for an agreement of {$70.00} weekly. This was a loan through Acima. Early pay off of the loan meant I would avoid any interest in extra interest. I entered this agreement knowing that we would have the money in time to pay this off as soon as we had money from our closing. We closed on our home in XXXX RI the week of XXXX XXXX. I then received a wire for the proceeds within a few days of closing. The date I called on XX/XX/XXXX to request pay off amount through Acima Credit. I  authorized payment in full from my XXXX XXXX account {$1000.00} which is what I was quoted as being my balance. This money withdrew from my account on XX/XX/XXXX. This was the last I had dealt with this obligation and understood my loan to be satisfied. 

On or about XX/XX/XXXX ( YES XXXX ) about 3 months later, I received a call from the collection department at Acima Credit. They stated my account was in arrears over {$1000.00}! I question the person on the other end thinking someone had stolen my identity and that I was dealing with an internet scam of some sort. I was very very confused and hurried up and changed passwords. This person stated that I had missed one of the Payments of {$70.00} and that the loan after I paid the {$1000.00} didn't satisfy my loan obligation and that due to their cycle and accrued interest I know owed this astronomical amount of money. I had the weekly payments being paid from another account out of state and when I had called up for the pay off I assumed that the amount she was giving me was including all payments. But from the discussions, I have been explained to that I am being held responsible for a line of credit in which I didn't take hold of. IN my mind I have satisfied the loan. If the representative didn't give me the correct amount of the pay off how is that my responsibility? I will be more than glad to pay the {$70.00} that was not disclosed. however, ACIMA wants over {$1200.00} or my furniture to be returned. I am concerned that this will affect my credit and I am nervous wreck they are going to seek legal action. Please help. I have requested help from the supervisor " XXXX '' that was not agreeable and did not have the capacity to pull phone calls and or take corrective action to reverse the charges I had incurred and let me just pay what I originally owed. The way Acima wants me to pay is that I pay almost double for the furniture I originally bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: BSI Financial Holdings, Inc.
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I filed a Chapter XXXX bankruptcy. I successfully completed the Bankruptcy obtaining a discharge on XX/XX/XXXX and the Bankruptcy was closed on XX/XX/XXXX. The final payment was made by the Bankruptcy Trustee in XX/XX/XXXX and was for XX/XX/XXXX. However, the Trustee did not file the Notice of Final Cure Until XXXX XXXX. 
Before the Final payment was made in XXXX, I contacted my Attorney, XXXX XXXX with XXXX XXXX, and asked when I would have to begin making payments. I did this because the mortgage statement that I received stated that my payment would be due XX/XX/XXXX. He contacted the trustee and was told that the payment would be due in XXXX as well. The Dated on the statement caused a lot of confusion. 
In XX/XX/XXXX I contacted BSI and attempted to make a of {$660.00}. I was told that I as already behind on my payments. I tried to explain the situation which was of no help at all. I, Also asked why I or my attorney was not contacted about the payment being due. Not receiving a adequate response, the call was terminated. I immediately call XXXX XXXX and informed him as to was had occurred. He told me to try again to make a payment and he would try and find out what was going on. over the next several weeks I tried to make payment multiple times and XXXX tried to Contact XXXX, both were unsuccessful. In XXXX, I even attempted to make a payment of {$1900.00} and that was rejected. 
On XX/XX/XXXX, I went to XXXX XXXX XXXX office and once again attempted yo make a Payment of {$1900.00} via a conference call. When the payment was rejected again, I asked why and was told that it was being rejected because it would not bring the Mortgage current. On XX/XX/XXXX XXXX XXXX sent a Letter to XXXX XXXX with XXXX XXXX XXXX explaining the situation and a resolution enclosed. 
The only option that they have offered is a Trial payment plan. See Attached. This does not guarantee a modification and it raises my interest rate. this plan included my Ex-fiance, who I separated from back in XXXX. I provided BSI with both the court papers and Quick Claim Deed to prove this. 
I was not contacted by BSI until after the bankruptcy was discharged. When I was contacted by their representative, XXXX XXXX, I tried to explain the situation and he refused to listen. he told me that they would foreclosing on the mortgage. After that phone call I called XXXX XXXX. After Several attempts he finally contacted BSI Attorney and managed to get the foreclosure stopped. We have made several attempts to taker care of this with no resolution. 
XXXX XXXX informed them that with the current pandemic, that there was the option of forbearance on my past due payments. Moving the payments to the end of the loan. this option was even rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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: Investigation took more than 30 days

Complaint:
Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from Equifax, XXXX and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Hello, My name is XXXX and I am a XXXX XXXX owner. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX  bills on time and in most cases early, which I have proof of. My problem with XXXX and the other credit reporting companies and credit card companies is that they DO NOT separate XXXX XXXX  credit/history with the XXXX XXXX XXXX  personal credit. For example : I have five XXXX credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't XXXX and the others have a XXXX  credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the " personal guarantor '' purpose the XXXX XXXX must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my business XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : " pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or " black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . 

Please let me know if you can help before this gets really expensive for me. Thanks again for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The called me XX/XX/19 telling me my file was on there desk and if I didnt respond they would be servicing me at my work. 
They never sent a validation letter until XX/XX/19. And when I asked the girl for one she told me she didnt have to send one because her clients already did. 
They called me multiple times with out sending the validation letter acting very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has continuously denied me access to my free annual credit report for several years after I submitted my social security number and answered correctly any questions to confirm my identification most recently on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: SC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-04
Company: EQUIFAX, INC.
State: SC
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Earnest Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2017, I logged into my online account with Earnest, a student loan refinancing company, for the first time approximately 2 years. In my account, I found two documents (a credit card statement and a student loan document) that belong to another individual living in XXXX, NC. This is clearly a violation of their privacy policy and it is unclear whether my documents are sitting in someone else's account. I called the company to report the privacy violation, and spoke with a customer service rep that was unfamiliar with how to handle this and said I would be contacted once the issue is resolved.

Company response to consumer: Closed with explanation