BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-05
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX Co, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX  to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX  representative XXXX XXXX XXXX, on XX/XX/XXXX XXXX stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, XXXX  XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: VA
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:
Experian is reporting incorrect and unknown information in the amount of {$14000.00} from XXXX XXXX XXXX. I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted 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 non-monetary relief
Consumer complaint received 2020-09-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of Fraud. I provided the proper information and my claim was not honored.

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 2022-08-11
Company: EQUIFAX, 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:
Date XX/XX/2022 EQUIFAX has committed Fraud Pursuant 15 USC 1681B, I never gave Equifax permissible purpose or any written letters or instructions to report any information on my Consumer Report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
State: MI
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:
JPMCB Card Services, XXXX. XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been a total of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. 

Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: National Consumer Telecom & Utilities Exchange, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just tried to contact NCTUE and they gave me the runaround when I was only trying to Correct an email they potentially have on file. They, I believe have a spam/ closed box on record. This entity is just as difficult to deal with when trying to get any information. They do not have accurate data and therefore, I can not be verified. My address has been corrected but I still can't be verified. I 100 % believe, they have Erroneous data that is Not mine on record. I must utilize CFPB due to not being able to provide documents via mail or fax.I have already verified my identity with PII and all NCTUE needs to do is review my other complaints for the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After reaching out to Venmo several times before having my funds deposited into my account Venmo told me I was able to receive the funds they knew the amount, the depositor and the reason for the funds and I was told it was ok to have such funds deposited into the account. As soon as the funds was deposited they froze my account without telling me why.I have filed a complaint with the FDIC and I hope they don't send these funds back to depositor because it will lead to litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Bank - Account # XXXX Just learned that exgirlfriend put me on account as authorized user without my knowledge. It is now on my credit report and keeping me from aquiring a home for my XXXX children. The debt is 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 explanation
Consumer complaint received 2018-07-06
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Balance due from XXXX XXXX for {$37.00} went to collections Plus Four INC. They are attempting to collect {$47.00}. I have never received a bill from the original company nor a bill or calls from the collection company regarding this bill, so I am not even sure it is true. I do recall having the services performed, so I am willing to pay the {$37.00} owed. I contact Plus Four because I saw the mark on my credit app on my phone. I spoke first with XXXX and offered to pay the original amount. she said no. I asked to speak to a manager she put me on hold. I hung up and called back and spoke with XXXX. He indicated they would take the amount but would still have the remainder owed and on my credit. I asked to speak to a manager, he indicated it was such a small amount he didn't think his manager would want to bother. After placing me on hold he came back and said the manger said no. I reminded him that I wanted to speak with the manager, not him. He said he wasn't available and hung up on me. I called back and spoke to XXXX again asking to speak to the manager and he hung up again. I called again and spoke to XXXX. She indicated the manager was not there and would not be back until Monday. I asked for the manager 's name, she indicated it is XXXX. When I asked for his last name she refused to give it and also hung up on me. I now feel this bill is not mine and am not sure what I need to do. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: UNITED COMMUNITY BANK
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I don't feel the bank is being as helpful as they could. 

XX/XX/XXXX I made two purchases online ( XXXX ) : XXXX   XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX What I got wasn't what I ordered. When I've contacted the seller they never responded. I returned both orders back to them XXXX. It was packaged well. 

It was mailed to : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX The coins were fake. I've already stated what happened. I have pictures. I wish the bank would do more to help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX By email : XXXX By phone : XXXX-XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Bread Financial Holdings, Inc.
State: GA
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:
In XX/XX/XXXX, I was pregnant and was put on bedrest due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then XXXX hit in XXXX of XXXX and I still made payments on time during Covid. 

I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed. 

I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information. 

Company : Comenity Capital Bank/My Children 's Place Credit Card XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: CREDIT ACCEPTANCE CORPORATION
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: Reporting company used your report improperly

Complaint:
on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX  on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these credit acceptance on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a letter to Credit Collection Services on X/XX/17 to have this item removed from my credit report. I had XXXX XXXX which was requested by my doctor. I was billed {$85.00} by the XXXX. I called the XXXX  several times to have them resubmit the amount to my insurance company per the insurance company 's request. After thinking it was taking care of I learned of an open collection for this company on my report. Days later I receive a letter in the mail. I called the company on XX/XX/XXXX requesting a response to my letter and was told they do not respond to letters and could n't send me a response via email or to my home address. I was told I would need to go to their website and submit payment first before clearing anything up. I verified that this company is n't licensed to conduct business in the state of CT so why are the doing so?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ok, back in XXXX quicken Loans made a mistake and raised my escrow taxes from XXXX to XXXX. they added an extra zero. they raised my monthly payment to XXXX instead of my regular payment of XXXX they wont admit their mistake. they finally changed my payment back to normal for XX/XX/XXXX. they still want me to pay the XXXX for XX/XX/XXXX and XX/XX/XXXX. I cant afford to do this. I did nothing to cause this. I made my regular payments for these two months not late! they have added late fees and damaged my credit. I have contacted them several times with no success. this was totally their fault and I am getting blamed. I was always on time with my payments and had perfect credit .I cant believe what they are doing after they made the mistake. I need help and would like your advise on how to start legal action against them. Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a Kohl 's credit card on a paper application with my SSN, and submitted it to the office of the XXXX XXXX store where I worked in XXXX, Tennessee. I signed it on XX/XX/XXXX. It required a manager 's signature before being sent to Corporate. It was denied, which was fine. ( I later applied in XX/XX/XXXX and was approved. ) But I need to know which manager signed my paper application in the office. Kohl 's will not respond to this info request, despite going through the FTC. The paper application denial listed as my application number XXXX. The letter from Kohl 's was dated XX/XX/XXXX. If they could find info on an old Kohl 's credit card from decades ago, which I included in a XXXX bankruptcy filing, then they can find this paper application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a loan with Bridgecrest Acceptance Corporation which I refinance in XX/XX/XXXX with XXXX XXXX XXXX XXXX. They have refused to send the Title to XXXX XXXX XXXX XXXX after the loan was paid off. 

Here 's the timeline : XX/XX/XXXX - Sent Bridgecrest a USPS Certified Letter with a XXXX XXXX XXXX Check paying off the loan. Included in the letter was the Address of XXXX XXXX 's Car Title Division WITH EXPLICIT INSTRUCTIONS ASKING THE TITLE BE SENT DIRECTLY TO THEM ... .. 
XX/XX/XXXX - per USPS my letter was delivered to Bridgecrest Acceptance Corporation .... 

XX/XX/XXXX - Was the date Bridgecrest cashed the Check from XXXX XXXX .... 

XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX - ( All Calls at Bridgecrest are recorded - they have a phone log ) I was advised they would send the title to XXXX XXXX within 3  days .... 

XX/XX/XXXX - Called XXXX XXXX XXXX to inquire if they have the Title ; They do not .... 

XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX EST ( Approx - Again their is a call log as ALL calls to Bridgecrest are recorded ). I was advised They will send the Title to XXXX XXXX and XXXX XXXX should receive it within 10 days. I asked for a reference # or the name of the CS Agent I was speaking with. I was provided niether ... .. 

Bridgecrest has not dealt fairly. They are aggressive in originating the loan and collecting the monthly payments and are negligent once the loan has been paid off. It has been OVER 3 MONTHS SINCE THIS LOAN HAS BEEN PAID OFF AND BRIDGCREST HAS REFUSED TO SEND THE TITLE TO XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
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 've been waiting 4 months for Fedloan Servicing to process my IBR Plan request. I 've now been forced to place a forbearance on my account due to their negligence. An Employee on the phone asked me to upload a new application. I just uploaded my new IBR Plan application to their site through my account. Let 's see if they process it or decline with another XXXX excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: United PanAm Financial Corp.
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: Reporting company used your report improperly

Complaint:
on XXXX XXXX & XX/XX/XXXX XXXX i received numerous notifications that their has been numerous inquires made to my consumer credit report in which i had know knowledge of, issued by the following companies : XXXX XXXX on XXXX, united auto credit company on XXXX XXXX XXXX card on XXXX XXXX/XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX XXXX : Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave these XXXX XXXX  on XXXX, united auto credit company on XXXX XXXX XXXX card on XXXX XXXX/XXXX  car sale on XXXX XXXX and us small administration on XXXX XXXX. written consent to report anything on my consumer report, NO consent is identity theft .and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: EQUIFAX, 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:
I have requested several times to verify an account that has been showing on my report. On XX/XX/XXXX I thought the problem finally got resolved as I got an alert that the account was removed from my report ... however, I checked my report again on XX/XX/XXXX and the account is back on my report. I understand they are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. I will attach screenshots of both the notification from XX/XX/XXXX and the updated report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My auto loan was sold to Santander in the amount of approx, $ 12k from XXXX on XX/XX/2018, which immediately dropped my credit score 35 points. It has never been reported by Santander to date. I have called multiple times, and spoken to several representatives who tell me that a XXXX will return my calls, but never do. They also tell me they are required by law to report this to my credit and that they report on the last day of the month. They did not report on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was in the middle of purchasing a home when this happened and it hurt me significantly. They have done nothing to resolve this despite my many attempts of getting them to. They have refused to transfer me to their credit department an every call that I have made. Any assistance you can offer would be helpful.

Company response to consumer: Closed with explanation