BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
The thing I have payed for is not reported. Some collections are not correct. I once had an address on there with no linkage between me. Ive paid numerous bills and debt. Paid for two different credit agencies to fix credit problems. It was a rip off. My credit score should be higher than what it is. I pay all my bills. XXXX didnt give us our money back after false reporting we did not clean room. Which was not true. Ive lost unnecessary money, due to people negligent or not caring. I had just got my XXXX XXXX out of tow shop, for them to come get it. I had to pay for that out of pocket.

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 2023-02-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX and I am a living woman making this complaint without any influence from any third party or its agency. I was contacted by US mail from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX demanding payment for an alleged debt that is not owed and in active dispute/arbitration. I did not consent to a signed binding contract with XXXX nor agreed to pay them. XXXX having my personal identifying information was obtain by way of aggravated identity theft. XXXX is violating my federally protected rights under FDCPA, FTC and the United States Code/Statue. I have reason to believed that XXXX is engaging in unlawful extortionate means theft by deception by knowingly/willfully furnishing to me false and deceptive documents. I also have reason to believe that XXXX is also in violations of the false claims act and is engaging in racketeering activity by attempting to collect on extension of credit by extortionate means. XXXX contacting me in my private capacity without first validating if their claim is indeed true and accurate to demand payment from me has caused me severe mental and emotional distress. Please review my attached correspondence and documents addressed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: SLM CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone open credit card my my name i didnt open any card with sallie Mae. so I tried to dispute with sallie Mae by sending police reported. they never remove the account out of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: AES/PHEAA
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 disputed the Fed Loan accounts multiple times on my credit reports. They keep coming back as verified but they are still reporting inaccurate information. The most noticeable error being that it goes from current to 90 days past due from one month to the following month. It's impossible to be current one month but then 90 days past due the following month. In addition to that, these accounts first went past due prior to XXXX of 2016 so no longer should be reporting on my credit report anyway. The information reported to each bureau is also different. How can the information be different, but still accurate?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In 2020 I wanted to clean up my credit file and started to do so. I ordered XXXX credit monitoring and XXXX and got most everything cleared up. I decided to get EQUIFAX and XXXX credit monitoring as well so I could freeze all three because there were some fraudulent things I couldn't remove until I stopped the activity. I had no problems with the other major credit monitoring/reporting agencies when I went back to the free accounts and have told MANY people how to clear up their own credit that way but Equifax LOWERS YOUR XXXX when you go back to free. When I went to free my score went from XXXX to XXXX overnight. I got the credit monitoring again this month to dispute something ( It goes quicker if you pay for it. It takes months and months for a dispute if you don't pay for the monitoring ) and Equifax overcharged me for the monitoring and I made them pay it back yesterday and this morning my credit score is 63 points lower. I didn't do anything else since yesterday. They are abusing the power they over people. I think it should be given to another company that has better morals. Fining them doesn't seem to be working. I have screenshots of this bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Within the last  six  months, I 've switched my loan service from  XXXX  to  FedLoan Service. T hese were all Federal Student Loans and I applied for the  Public Service Loan Forgiveness Program  ( and I was approved ). After making on time payments, I realized they were not applying the payments to this program ... stating that I did n't qualify but no explanation why. The only reason I switched loan services was so I could qualify for this forgiveness plan as I 'm a 20+ year employee of a qualifying place of employment. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: AZ
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:
Credit score on XX/XX/XXXX was XXXX - Credit Score on XX/XX/XXXX was XXXX. 
No reason given on why credit score dropped XXXX points. This has hurt my ability to apply for credit. 
Credit report pulled on XX/XX/XXXX showed only 7 accounts opened -- NOW Credit report pulled on XX/XX/XXXX shows 20 accounts opened. Major error on Equifax. 
On XX/XX/XXXX - ( letter received by Equifax on XX/XX/XXXX - Cert # XXXX ) I requested 4 accounts to have " Derogatory '' removed as the accounts are either paid/transferred/payment in process. No Change on the disputed accounts per Confirmation report # XXXX received XX/XX/XXXX from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts listed on my credit report that aren't mine. Please remove them.

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 2021-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Bank Of America sent me a 1099-C for a debt cancellation in 2020 for a debt I do not recognize.

I sent them a registered letter saying I did not recognize the debt and to my knowledge had not had any prior communication regarding this debt. I asked them to provide written verification of this purported debt, an itemization and dates of said debt, and the name and address of the original creditor. They did not comply with my written request. They only sent a letter stating, " After careful research we've determined that the TIN or SSN and the amount reported are correct ... '' They did not supply any of the verifications of the debt, dates of the debt, the name or names, and address of the original creditor.

I feel Bank of America is in violation of the Fair Debt Collection Practices Act because they have not complied with the above requested information.

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 2019-11-01
Company: CITIBANK, N.A.
State: VA
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/2019, imitated a dispute due to a significant flight change covered under airlines schedule irregularities policy allowing for a full refund if time change of greater than 60 minutes, which flight qualified for. Travel agent ( merchant )  would not provide refund, so I imitated a charge back. 

On XX/XX/2019, I logged into my credit card account to see the disputed amount had been re-applied to my account. I attempted to obtain the merchant 's response but the file type was not a .pdf format so I was not able to see the reason why merchant claimed I did not qualify for refund. I made multiple attempts to obtain the document from my credit card company, but never received it within the 48 hour timeline that was said to be the time frame for receipt of same. 

Despite this, I provided multiple documents to credit card company on XX/XX/2019, sent via email to XXXX. I subsequently followed up on XX/XX/XXXX via chat to confirm receipt of these documents and chat agent confirmed they were received. 

On XX/XX/2019, I called to inquire on the status of the dispute and while the representative investigated, I was hung up on. 

On XX/XX/2019, I again called to inquire on status of the dispute, at which time, agent informed me that she could not see the documents I originally sent on XX/XX/2019, and asked me to re-send these, which I did to XXXX To date, I have not received any updates or notification on the status of my dispute, nor have I received the credit which is due to me based on the documents provided to credit card company.

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 2019-11-01
Company: BARCLAYS BANK DELAWARE
State: UT
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:
" NEW ISSUE '' I have attached the current police report. Barclay has failed to remove fraudulent balances on my credit reports. The remaining balances need to be cleared from my name as I did not authorize the remaining charges. My cards were used and stolen without my consent. I again have spoken to another Detective as the creditors are willfully breaking the law. He informed to continuing seeking their cooperation in this matter. His information is attached as he stated he can be contacted. 

Det. XXXX XXXX XXXX XXXX XXXX Police Department Financial Crimes XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing to file an informal complaint against U.S. Bank regarding their denial of my claim for XXXX charges. I am seeking your assistance in resolving this matter. 
I recently encountered an issue with U.S. 
Bank and XXXX. I made several purchases through XXXX, expecting to receive the merchandise in a timely manner. My order was shipped to the wrong address.. However, XXXX failed to refund the payment to my debit card within the specified timeframe. 
Upon realizing this, I promptly reached out to U.S. Bank to dispute these charges. They provided me with documentation to fill out, which I completed diligently. I had a phone call with a dispute account representative where I provided detailed information about the purchases made through XXXX. 
Despite submitting all the necessary information and documentation, U.S. 
Bank denied my claim. Not only did they reject my claim, but they are also recharging me for the transactions related to XXXX. To make matters worse, U.S. Bank has closed my banking account without any prior notice or explanation. This situation has left me deeply concerned and feeling unfairly treated. 
As a loyal customer, I have relied on U.S. Bank to protect my interests and handle disputes impartially. However, their actions in denying my claim, recharging me, and closing my banking account without any valid justification have left me feeling frustrated and helpless. 
I kindly request your intervention in resolving this matter. I believe that U.S. 
Bank should reconsider their decision to deny my claim, refund the charges relating to XXXX, and provide an explanation for the closure of my banking account. 
Thank you for your attention to this complaint. I look forward to your prompt response and a resolution to this issue.

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 2019-11-01
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: Account information incorrect

Complaint:
XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) inadvertently and without notification to its Leasing/Financing customers reduced the Limit of the loan on the consumers credit report. For example if your initial loan or lease was XXXX it is now XXXX. This negatively affects consumers credit because it reduces the amount of credit limits given to customers on the algorithms the bureaus use to calculate the credit scoring for the Credit Reporting Bureaus and reduced the amount of available credit negatively affecting the credit scoring. As per XXXX, they did this to correct industry standards, yet they did not update the amount owed to remove taxes that are included in leasing financing, which in all fairness should have been done since this would have cancelled out the negative effect of what they did. Instead, only, the available limit was negatively affected which in turn negatively affected ALL of XXXX customers negatively. This is a violation of the Fair Credit Reporting Act and Acura/Honda should be held accountable for negatively affecting consumers credit by implementing a Corporate Decision across the board.

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 2019-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
Portfolio Recovery -- -- I am not aware of this debt I would like this debt validated or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX {$68.00} not mine XXXX {$16000.00} not mine XXXX   XXXX XXXX XXXX {$1200.00} not mine

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 2021-10-06
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing , LLC was my mortgage servicer. I sold my property last year and my escrow account was settled and closed on XX/XX/XXXX. On XX/XX/XXXX, I'd received a notice from my insurance company that my insurance refund of {$590.00} was issued on XX/XX/XXXX to Fay Servicing. I was told to contact Fay Servicing for my insurance refund. Due to NY state law, XXXX can not directly issued me my refund. They are required to issue it to Fay Servicing , LLC. On XX/XX/XXXX, I called Fay Servicing and requested my insurance refund. Fay Servicing denied receiving the refund check from XXXX and requested that I provide proof, a copy of the refund check issued by XXXX, before they can expedite my insurance refund. I obtained a copy of the refund check and e-mailed the copy to Fay Servicing as requested. After submitting proof, as requested, I was still denied my insurance refund. I called XXXX and informed them of the situation and requested a fraud referral. I was told it will take up to 90 days for the investigation to complete. I followed up after 90 days but was met with more delays. Finally, on XX/XX/XXXX, I was able to get through and was informed that XXXX had issued a second refund check to Fay Servicing , LLC on XX/XX/XXXX. I was given the number to Fay Servicing XXXX Department, which I called and confirmed that Fay Servicing did received the refund check from XXXX. I called back to Fay Servicing customer 's service # and requested my insurance refund and they denied receiving the 2nd refund check from XXXX. I sent a copy of the 2nd refund check to Fay Servicing customer service, as requested, and they still will not issue my refund. I was told they will get back to me, but it's been over a year and still no resolution and I am back to square one. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Mortgage One Solutions, Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Have dealing with XXXX XXXX ( One mortgage solution ) to consolidated my account, provide 2 check XXXX usd and XXXX usd paid to his account XXXX XXXX, the credit was running on XX/XX/XXXX all account listed will be included for consolidation, but now on XX/XX/XXXX still open, Mr. XXXX refuse to provide details on settlement. I been contact him many times but no respond id cell is XXXX. 

I might not be smart to attach the checks and all comunication with Him, but i will upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX contacted me about a debt that I owed and was paid directly to Symphony bank. The name of the credit card is XXXX XXXX. XXXX has been harassing me, threatening to ruin my credit and livelihood and said they did not care about medical condition. I contracted the XXXX XXXX and need a better living situation fir me and my daughter. It is an extreme hardship : having the XXXX XXXX, battling other XXXX XXXX and being unemployed and XXXX. Because of this my credit score decreased and I have wait to get a house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Nelnet, Inc.
State: TN
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 applied for XXXX plan in XXXX. Nelnet would not give me any updates on my XXXX  plan application and i have called XXXX  so many times. I told them before my due date of XX/XX/XXXX that there is nothing on a status update. They told me it would have been processed for my XXXX plan witihn 30 days of XX/XX/XXXX. it was not and i had to request forebearance because they would not process my application. My appllication was approved on XX/XX/XXXX. I have multiple screenshots of XXXX hour hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2017-12-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a call from Navient on XXXX saying my account was past due.I made a direct debit payment over the phone to them which brought my account current. I received a confirmation number and a copy of my bank receipt which evidences the payment. The representative told me the account was now current, next payment will be due in XXXX. Yet on XXXX they reported me to credit reporting agencies as delinquent. I called Navient and they lied to me saying they do n't report past due accounts until they reach past 90 days but I showed them that they reported me anyway at 60 days, even though i made the payment!! They told me they would look into it and could not explain the negative credit reporting DESPITE PAYMENT BEING MADE ONE WEEK PRIOR! When I asked them to remove it, they said only they would " look into it. '' I asked for the name of the person I was speaking to, they would not tell me, only an ID number. I asked them why this was done to me they could not explain. Because of this false reporting, my credit rating dropped 30 points. This company is so crooked!

Company response to consumer: Closed with explanation