BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: DISCOVER BANK
State: CT
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:
The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX XXXX XXXX in XXXX, I told Discover that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and Discover bank supervisor : XXXX XXXX XXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/23 I didn't know that a creditor placed a legal freeze and hold on both of my checking accounts and my daughter XXXX XXXX highschooler checking account. All of my money was taken and my daughter had nearly {$600.00} taken from hers. We could not pay bills, get gas, get food, pay our car notes, car insurance, and other things. My daughter is innocent and did not owe that old debt from XXXX XXXX XXXX, XXXX. The bank refused to give her back her money. This is not fair. I could mlnot pay for my XXXX and XXXX medication. My daughter needs her momey back! Bank of America did not notify us about a legal freeze ahead of time. A letter was posted to both of our accounts the day after the freeze on XXXX. My daughter worked for her wages and should get her wages back to her account. Bank og America sees her paycheck from.XXXX  XXXX that is direct deposited to her account.

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 2023-04-14
Company: EQUIFAX, INC.
State: MD
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was XXXX balance and I never missed a payment. Please update it immediately. 
XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Ready Capital Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have spent over a year and a half trying to resolve this with the mortgage company. I've been essentially gaslighted and lied to the entire time. I am successor-in-interest to my home, following my father 's death in XXXX, XXXX. It took me until XXXX, XXXX to establish this status, even though I have Joint Right of Survivorship on the deed, and all I did was send the same documents ( those they asked for ) over and over again, until they finally accepted them. When I finally get them to say I'm successor, they set a foreclosure sale date. So, I apply for a loan modification on XX/XX/XXXX, which is well in time for their 37 day time limit to the sale date of XX/XX/XXXX to have it fully considered. They said they have to respond, by law, in 30 days. I call, check the site, talk to multiple, multiple agents. I record all these conversations. And yet, 30 days is over. No response. Nothing. Won't respond. I desperately need help.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. A former chase member. In the month of XX/XX/2023. I deposit {$1900.00} ... .chase held the funds for two weeks. It cleared.

Unannounced to me chase closed my account for no valid reason, they advised me I'd be receiving my check which I never have. It's been months I would like my funds release and issue in a expedited manner. If possible, Ive been calling almost daily and iam still getting the usual. He said she said run around. 

I need these funds to pay my rent or else I will be evicted. In about a week... .I am extremely disappointed in the way I've been treated by chase. Especially over an {$1900.00} check/ money order this is ridiculous and I can't understand why it's so difficult to get what is rightfully mine people work hard for their money and not being able to access it is definitely an inconvenience. 

Also called chase they lied and said the money orders they can't confirmed like what how does that make sense. I called XXXX XXXX they said the money orders are valid and has been cashed I told them chase won't release my funds they said if I don't have nothing in writing from chase saying the money orders are not valid is nothing they can do And they lie just too get you off the phone Everytime I call chase I get a new excuse or answer why I can't get my funds. Chase bank think iam stupid or something I know my funds are held in an account where they gain interest or trading using my money idc the amount I know they've probably made a nice chunk of money off me. I'll be surprised if chase bank doesn't get bailed out by the feds AGAIN because they are greedy, sneaky, and conniving I've verified my identity over 100 times, the branch manager even called them to confirm that I was in branch to verify my identity. They're saying they can't send my check because my address changed in the beginning. Mind you chase sent my new debit card and account closure check to my address on file nothing has changed. The chase reps do not care some out sourced XXXX customer service reps are very rude and blatantly nasty they don't care to help steadily repeating the same thing over and over again like a robot with no real solution. At this point I will no be calling chase anymore. I've emailed the CEO of chase as well ( XXXX ). iam not playing with my funds idc how much it is. The bank will send you in overdraft fees for their money. I think I deserve overdraft fees from them for almost 5 month inconvenience. At this point If I don't receive my funds I will be suing chase believe that! 

I've called chase over 100 times and still no one has rectified the situation. Even the chase branch manager call in to fix the problem still nothing no check was ever sent to me. If you can assist me in this manner I'd greatly and appreciate it. Thankyou for your time and help. 

Card number : XXXX XXXX XXXX XXXX ( closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
On or about XX/XX/XXXX, XXXX placed XXXX ( XXXX ) Notice of XXXX XXXX on my Experian credit report. I contacted XXXX on XXXX separate previous occasions to work out a payment plan to avoid charge offs, but they were unwilling or unable to help me. The first Notice of Suit/Judgement is for {$100.00}, an amount which was charged off by XXXX on XX/XX/XXXX. My info from my XXXX account states a date filed with the court of XX/XX/XXXX and a date satisfied with the court of XX/XX/XXXX. I live in Connecticut and never received a notice of lawsuit from XXXX and there is no civil proceeding filed in XXXX XXXX XXXX. If they sued me which Experian indicated they did, they did not bring the action where I am domiciled. 
There is also a Notice of Suit/Judgment in the amount of {$150.00} on Experian, which XXXX charged off on XX/XX/XXXX. The date filed with XXXX is listed as XX/XX/XXXX and the date satisfied with XXXX is XX/XX/XXXX. Again, if they sued me XXXX did not file the action in Connecticut. 
Also, I was not given 30 days to respond to the charge offs. I want these items removed from my Experian credit report immediately. Thank you.

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 2023-10-25
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a saves application in XXXX and was told 7-15 business days to process it. Never got any updates and asked for them. 
Went to log in on their sight and was met with I needed to create another account with them as my old one was closed. This lead to me having to re apply for the saves plan again. I have also tried to get in contact by phone to have to be on hold for XXXX hrs and then never get anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
The following account is reporting INACCURATELY. 

XXXX XXXXXXXX XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan with Nelnet. I have been paying the same amount, which is well over the amount due, for many months and the amount applied to principal and interest is different each month. I have a fixed interest rate. The company said it is because the interest accrues daily and sometimes I pay on the 15, and others on the 22. ( I always pay before the due date. ) They said the different due dates are the reason for the different interest/principal payments but some months it varies by hundreds of dollars and zero goes to principal. This is very different from my other loans with different providers. The people I have spoken to have to speak to their supervisors and never seem confident in the information they give me. Today, they said to pay the same day every month and eventually the payments to interest and principal would be consistent. 

I also asked if they could let me know what the payment terms would be if they took me off the extended repayment schedule and, after speaking to a supervisor, they said that taking me off that extended payment so I could pay off my loan sooner was not possible. 

I asked for an amortization schedule. She refuses to send it to me and said it was in the portal. I asked her to guide me to that information and she navigated me to a repayment schedule. This repayment schedule said it began in XX/XX/2020 but there is a double asterisk next to that date. I asked her what that meant and she said she did not know. 

I do not understand what is going on with this loan and they never give me any clear answers. The original loan amount was approx $ XXXX and principal is now $ XXXX. According to repayment schedule she showed me today I will have loans paid off in 17.5 years and with a total of approx $ XXXX paid. My loans were transferred to Nelnet by a former loan provider. I did not choose to go with this company, I do not understand why the principal is not decreasing at all when i pay {$500.00} a month, well over the amount due and no one can provide me with solid information. It seems like they are only interested in locking me to get more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: 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 U.S.C 1681. 

XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT/EDXXXX Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX Account XXXX : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT ED/XXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX Account # : XXXX XXXX. Account Name : DPT EDXXXX. Account # : XXXX XXXX. Account Name : US DEPT OF ED/XXXX. Account # : XXXX XXXX. Account Name : US DEPT OF EDXXXX. Account # : XXXX These accounts have violated my rights as follows : - 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

- 15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 

- 15 U.S.C 1681 c. Section ( a ) ( 5 ) States that no consumer reposting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

- 15 U.S.C 1681-2 ( A ) ( 1 ) States that 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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-08-06
Company: AmeriCollect
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:
On multiple attempts there has been written notices for verification and validation of the debt and alleged account. The creditor Americollect Inc. jas 2 different reporting inquiries for the following alleged account ( s ) : XXXX, XXXX for an alleged balance of {$660.00}, {$660.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Various fees and unfair overdraft charges by my financial institution Wells Fargo Bank I have attached statements with dates and unfair overdraft fees and unauthorized charges

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 2021-06-26
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management has been raising the amount owed from {$610.00} to {$610.00} then lowing it again back down to {$610.00} for weeks to mess with my credit. 
I set up a payment plan with them I made a {$50.00} payment and set up payment plan. Then they erased the payment plan. I started another payment and another {$50.00} down on it and now their site shows I still owe the {$610.00}. My credit report shows I owe {$530.00}. On top of this I have been disputing the date opened for weeks. I know this card wasnt opened in XXXX. It was opened XXXX if XXXX and they have statements when I log in proving this, which I have saved to my phone. 
I have tried settling with them in full with all income I have available no matter when I called they were very rude to me, and kept asking for more and more. 
Their website shows I havent ever made a single payment but I have emails showing the payments and a bank statement showing I have made a payment. I dont understand whats going on with this company but Im just trying fix my credit and pay down my debt and they are making paying them a horrible process and running me around for the money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Collection Bureau Services, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They told me they had a judgement right out of the height of the pandemic. Then some guy stalked me and followed me down the street in a vehicle and threw the papers through my vehicle window saying are you so and so? Acted like he was a cop. Before serving me papers they hit my bank account and I told them to return the money they took. They returned all of it except XXXX dollars of it to either apply it to an account to renew statue of limitations of the doctors bill. Now they wiped out my bank account 2 days ago. I asked for an itemized bill to see what the debt was for but they failed to provide me with one. I went to the courthouse to get more information of the bills collecting. They only show me date of bill which is the bill that Im questioning for XXXX XXXX XXXX for amount XXXX from XXXX XXXX, XXXX? Another from XXXX XXXX XXXX for XXXX from XX/XX/XXXX. Both bills out of statue of limitations. I did not provide them permission to apply any amount of money towards either one of those accounts to renew statue of limitations and plus still dont know what they are for because they cant provide me with an itemized bill of what it was for. I sent them a letter in response to papers being served basically saying they could not provide me with enough information so Im not paying the bills. I have proof of all documents and when I sent them a check to dispute the bill they sent me a letter back saying that I was supposed to send it to the courts. When I asked them what the address of the courts was they said, I dont know its online XXXX it or whatever and hung up the phone. Check CBS collections recorded audio. I did XXXX it and still couldnt find the address so they hit my account. Because of Covid-19 the courthouse has been closed and I also cant seem to get a hold of a lawyer or public defender to respond so yeah this is malicious as absolute XXXX. Ive kept all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have disputed the the fraudulent accounts several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

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