BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-03
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After several disputes finally received letter from XXXX XXXX without definition clear and lawful definition of payment in dissatisfaction. 

Disputed liability of alleged obligations as 15 U.S. Code 1692a3 natural consumer and 15 U.S. Code 1692a ( 4 ) original creditor having extended my 12 CFR 1002.2 ( j ) credit via 15 USC 1602 ( l ) social security 12 CFR 1002.2 ( a ) account number compelled against 42 U.S.C. 408a8 and Public law 93-579. ssn belongs to the SSA and anything obtained with the identifier number is a obligation of the United States 18 U.S.C. 8, UCC 9-307 ( h ). Anyone attempting to collect a debt from me obstructing commerce and in violation of The False Claims Act ( FCA ), 31 U.S.C. 3729 - 3733. 

Great Lakes, Department of Education, XXXX XXXX has 18 U.S.C. 241 ; 242 conspired to deprived me my right to credit and denied me satisfaction and accord of obligations per 18 U.S.C. 8 obligation of the United States, for satisfaction and accord and per 15 U.S.C. 1 illegal restraint of trade debt collectors refused to restore credit to good standing and has impaired my right to open-end credit. 

Art. 1 Sec. 10, No State shall enter into any Treaty, Alliance, or Confederation shall make any Thing but gold and silver Coin a Tender in Payment of Debts ...

All parties have said they will accept anything except lawful money, gold and silver for payment of debts, and all have neglected via 15 U.S. Code 1692e. false or misleading representations their fiduciary duty in the acts of Misfeasance, nonfeasance and malfeasance to settle the obligations for full acquittance and discharge without liability per 50 USC 4305b2 and has restraint my right of trade and is in breach of trust per 15 U.S.C. 1 whereby alleged obligations are rendered an obligation of the United States as per the supremacy clause- any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. 

I have disputed obligations several times with credit reporting bureaus, XXXX, XXXX   and XXXX who has conspired also to invalidate title 18 U.S.C. 8 obligation of the United States and hold my person liable for the obligations. 

My credit has been discriminated and I have been impaired from getting a home. This injury has been nerve wrecking and emotionally distressing without remedy. 

As original creditor/grantor/lessor of personal data, I reserve all rights to proceeds, titles, interest where my personal data valued at 100,000,000 dollars per entity, per year for misuse and negligence to settle obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: ERC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. " FCRA requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered a COMMERCIAL ACCEPTANCE CO account reporting on my credit report, I have never done business with, nor even gone inside a XXXX XXXX XXXX. This account is not mine at all, please remove it from my credit immediately as COMMERCIAL ACCEPTANCE CO has willfully violated my rights by reporting unverified, incorrect, and defaming information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TFC Credit Corporation of California
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Non sufficient fees charged onXX/XX/XXXXand XX/XX/XXXX for XXXX each in fees. Payments were XXXX. I had enough money in bank account to cover payments. Bank has no records of non sufficient funds during the entire time of the loan. Tried to work out with company by sending bank statements via email on XX/XX/XXXX, but i was told its been too long over the phone, and no reply to email containing statements. Also the interest paid is too high as the loan was paid off in 8 months and I paid XXXX total. The loan was for XXXX at 10 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
I was promised a deferred payment ( due to COVID19 ), I was not aware that they would not consider it deferred and would mark my XXXX payment as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a telephone call on XX/XX/2020 at approximately XXXX XXXX  from the telephone number XXXX XXXX XXXX XXXX XXXX. 
The caller proceeded to say the last four digits of my Social Security number and asked me if they belong to me. Highly unethical for someone to give an unverified person the last four digits of someones Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: NJ
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:
XXXX reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, my Chase Sapphire Reserve was fraudulently used in a series of transactions at a handful of online vendors including XXXX ( 6 transactions for a cumulative {$450.00} ) as well as XXXX XXXX XXXX XXXX ( one transaction for {$190.00} ) and a charge with XXXX  ( {$350.00} ). Cumulative fraudulent charges were {$990.00}. Chase notified me of the fraudulent XXXX 's charge and over the phone, I identified the series of transactions that were not my own. I was issued a new card and charges were removed from my account. 

On XX/XX/XXXX, Chase mailed a letter to me indicating their fraud department investigated the charges and concluded the {$450.00} of charges at XXXX were my own responsibility and restated the charges on my account. 

Over the course of the next couple of months, I repeatedly called Chase to dispute these charges. With COVID-19, most call centers were down and I was often taken in circles. On XX/XX/XXXX, I received another letter stating Chase was maintaining their position that the charges were valid and my responsibility. Please note, no background detail was provided as to why they found these charges my responsibility. 

Finally after another series of phone calls, a representative instructed me that the reasoning for Chase to restate the charges was because I had shopped at XXXX previously. I was instructed to fax a copy of my online XXXX history as proof that I had not shopped at XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed my online XXXX shopping history, which proved I had not purchased anything on XXXX since XX/XX/XXXX. 

On XX/XX/XXXX, they credited me {$12.00} of the total {$450.00} due to immateriality. After not hearing from Chase, I received a letter dated XX/XX/XXXX, stating that they reviewed and confirmed the fraudulent {$450.00} charges were my responsibility, would remain on my account, and the fraud claim was now closed. 

Overall, I found the lack of guidance and ability to provide personal customer service by representatives to be severely inadequate. I was never able to speak to the personnel reviewing the claim, nor was I able to receive a valid explanation as to why the fraudulent charges on my account were deemed my own responsibility. I was a victim of fraud and Chase failed to protect me as their customer. I found the entire process disheartening and devoid of rationale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22
Company: Perfection Collection
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus and Perfection Collection alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX  reflects XXXX & XXXX reflects XXXX. 
XXXX  reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, Perfection NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After my credit card was used fraudulently, I initiated a fraud alert with XXXX on XX/XX/2018. 

Yesterday, I received a mailed card from TransUnion that the alert was added to my TransUnion credit report. I called the phone number on the card ( see attachment ) to  get a copy of my credit report. However, the voicemail prompts were for getting the annual free report, not the report entitled by the fraud alert. 

I called the CFPB. A representative gave me another number to try ( noted on the attachment ). I encountered the same voicemail prompts. 

There is no way to talk to a human to resolve such issues at any of the credit reporting companies. They should be forced by law and regulation to do this.

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 2018-08-22
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received numerous calls and letters, and also checked my credit report. Common Wealth Finacial XXXX XXXX, XXXX P.A. XXXX has been harassing me saying, that I have 2 open accounts first they said it was for my son, then they said it was for me all the sudden. they said it was for emergency room visit, I have FULL COVERAGE INSURANCE, and did not visit the emergency room at all. for the amount ( s ) of {$150.00} and the other for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
I have lodged disputes with Chase and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
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:
This was an auto loan taken out by my ex husband ( regency finance co. ). Not only has it been closed and charged off but happened in 2010. We have been since divorced, and it shouldnt be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When COVID happened, WF had a link on their website to what " appeared to inquire '' about the temp bailout of 3 months that was available. My husband said what appeared to be information purposes only, he clicked on the link to get more information and thought XXXX, we were enrolled. He was quite alarmed. The following day I called the WF XXXX Branch to discuss this - they accessed my account and assured me that I would have to have a conversation and be approved for the program and that you could just not enroll online. They said not to worry about anything that conversations have to be made. I stated WE DO NOT WANT TO BE IN THE PROGRAM we inquired about it by clicking a link. By doing this, they shoved us into a modification loan that we did NOT ASK FOR. In fact, we have auto pay and have never missed a payment and continue to make our payments. When I spoke to the rep today that disrupted our dinner telling us that our suspension ends soon I was ALARMED. I told them we have never missed a payment and we never asked to be signed up or requested the modification loan. After 48 minutes on hold, they transferred me into a dept that said I was at the highest level I could be at and that it showed I enrolled. I want IMMEDIATE correction to this. We never asked for this and just because a consumer inquires doesn't mean you have the right to shove us into a program that has long term effects. I demand this to be corrected. We have never missed a payment, this XXXX me off WF. Is it your way to avoid refinancing thousands of customers while rates are low to state I entered into a modification program when I didn't. I DIDNT AND I WANT THIS CORRECTED.

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 2021-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On my credit report there is un authorized items on there that don't belong to me. Please see below all the items that are not mines at all. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have an account on my credit report that is fraudulent

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 2022-08-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was scammed for {$1000.00}. 

On the afternoon of XX/XX/2022 I had an interview with a company called XXXX. I believe that I was having a interview with a hiring manager XXXX XXXX and then I was hired for a job. On XX/XX/XXXX, The hiring manager sent me a check to get my equipment via XXXX  because the job was remote. I cashed the check putting it into my account and on XX/XX/2022 I was to send money via XXXX so I can get my equipment to start working for the company XXXX. I sent {$1000.00} to what I thought was a design team XXXX XXXX  to program my equipment and I was scammed for {$1000.00}. When I realized what happened I was devastated. I immediately called the bank and setup a dispute for the {$1000.00} Monday the XXXX, because I have been scammed and it wasnt a real job I was catfish by someone and {$1000.00} with zelled to someone and I have no idea who they are. Once they received the money the person stop responding. The teller on the dispute team was aware of what I had went through stating this had happened before and would put the dispute through today XX/XX/2022 I received a Correspondence stating that they denied my dispute in all my accounts have been closed. I dont know what to do. I need help with this I Sincerely thought I was getting a new job to help with me and my daughter finances and I was scammed and I shouldnt be penalized for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly. AR Resources currently reporting 5 accounts to my credit file, these accounts should not be on my credit file. 

AR Resources {$290.00} AR Resources {$660.00} AR Resources {$290.00} AR Resources {$270.00} AR Resources {$410.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information. 

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including license number.

In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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:
THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY TRANSACTIONS THAT I HAVE MADE. MY CREDIT FILE HAS BEEN DAMAGED AND I NEED HELP WITH GETTING IT BACK TO IT'S NORMAL STATE. I AM NOT RESPONSIBLE FOR NONE OF THE DEROGATORY ACCOUNTS AND INQUIRIES SO I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT IN A TIMELY MANNER.

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 2020-07-28
Company: F&L Marketing Enterprises LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
A company called cash 2 U loans has had me paying on a XXXX dollar loan in payments of any where from 70 to 100 dollars since XXXX of 2019 and the loan is not yet paid off they have been drafting unauthorized payment out of my checking account Please help

Company response to consumer: Closed with non-monetary relief