BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: Sunset Solutions Group, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call this morning ( XX/XX/XXXX ) from someone claiming to be a debt collector from Sunset Solutions Group, after this person had already called both my parents, my sister and my grandfather. They stated that they have been trying to get ahold of me to notify me that judgement would be taking against me and that I will be taken to court for 4 outstanding debts with payday loan companies that I have never previously heard of. I have never put down my sister or Grandfather as a reference on any sort of application. When I asked the representative for a date when these loans were taken out she said she couldn't tell me a date but that they were charged of in XXXX, so they had to have been taken out awhile before that. When I repeated that I have no idea what these companies are and have never even heard of them, she had all of my personal information and stated that I had to have filled out these applications in person because it was all on there, so I was responsible for these debts. Each loan was in the amount of {$500.00} for a total of {$2000.00} owed. She stated I had 3 {$500.00} loans out with XXXX XXXX and another {$500.00} loan with XXXX XXXX XXXX. When I looked up XXXX XXXX, it showed a physical location out in XXXX XXXX but the image showed XXXX XXXX XXXX. I tried to call the number listed but it was just a voice recording and the only option I was able to press was to continue in English, and then the line would disconnect. When I looked up XXXX XXXX XXXX, I found multiple complaints from other people stating they had debt collectors calling to collect for a loan they had never taken out and had never hear of XXXX XXXX XXXX. When I went to their website, there is a big notice on the front page of the website that states " Fraud Alert- Be Aware Of Scamming Collection Agencies Using The Name XXXX To Try To Collect Money. XXXX Is Not A Lender And Does Not Report To Credit Agencies So You Do Not Owe XXXX Any Money. We Are Only An Advertising Agency In The Financial Sector. If Some Company Calls Or Emails You Saying You Owe XXXX  Money Its Not True And Report Them To The CFPB Or FTC For Fraud. '' Also, when I went to look up the Sunset Solutions Group phone number, the phone number listed was not anywhere close to the phone number that I received the call from ( XXXX ). She also stated that these companies have been trying to get ahold of me via phone, never received any such phone calls, and by email and when I asked what email they were being sent to, it was an email address that was my first and last name but I have never had any such email address my entire life. When I asked what employer they had down for me, while the employer was similar in name to my actual employer, it was not the correct name.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account, XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-09-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Around XX/XX/XXXX I mailed a request to Experian to remove the fraud alert, extended fraud alert, security freeze, and promotional blocking from my credit file. After not receiving a response I filed case XXXX with the CFPB. Experian responded that the freeze was removed ; and it appeared the fraud alert was removed at that time as well. 

Experian has reinserted the fraud alert, extended fraud alert, and promotional blocking to my file without my consent.

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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XXXX XXXX sent the Bank of America for a credit of XXXX $ to my credi card. I THAN WANED THE BANK TO send the credit to my money savings account. In stead they sent my money to someone else. They have not fixed this as of today.We want our XXXX $ back.

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 monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ATTN : Consumer Dispute Department XXXX # XXXX You sent me a letter stated that you received my request, but it didn't appear to be me, or a properly authorized third party that sent it to you. I am aware of your company sending out a response letter asking for verification and authorization of who is sending my letters, maybe as a way to dissuade me to challenge the inaccurate and incomplete information being reported on my consumer report by you. I am fully aware of which accounts are being challenged in my letters and I know I have the right to have them investigated, so please do not attempt to violate my consumer rights with a response letter such as the kind I have mentioned. I have attached a copy of the letter I sent to you letting you know that you reinvestigated this account and your results came back as verified and accurate when it's not reporting accurately. It's obvious you didn't properly reinvestigate this account DELETE this account for not reporting the information 100 % accurate, according to the FCRA it says the reporting information has to be 100 % accurate and you failed to make sure it's reporting 100 % accurate.

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 2021-07-01
Company: Fidelity National Information Services, Inc. (FNIS)
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Chexsystems pertaining to an account from capital one that does not belong to me on XX/XX/2021. I've sent multiple letters to them over the course of 6 months and have not receive a response. They refuse to look into this issue or even respond. Chexsystems is inaccurately reporting misinformation on my report, and it needs to be FIXED.

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 2022-09-02
Company: EQUIFAX, INC.
State: CA
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 According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX accounXXXX XXXX have violated my rights 15 U.S.C 1681 Section 602 A. states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: MA
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:
I am writing to dispute the late payment reported in my credit reports as a result of wrong information reported by XXXX XXXX. I have 30 days late payment reported in my credit report of XX/XX/XXXX. I have had this account for about two years now and never was there any late payment because I did set up an automatic payment. However, in late XXXX or early XX/XX/XXXX I called XXXX XXXX and requested to have the interest reduced since my finances were tight then due to COVID-19 financial effects. XXXX refused to extend help to me to lower my monthly payment even after I explained that I would have problems making the minimum payment. The agent advised that perhaps if I had some missed payment I could qualify for a program. I told agent I would pay whatever I had. 

I called again in XX/XX/XXXX and wanted to get the payoff amount because my finances improved. The agent asked if I wanted to pay off the complete balance and I said yes. I did not know that the agent turned off automatic payment I had and that was why there was no payment in XX/XX/XXXX. However, when I received an alert message from XXXX in XX/XX/XXXX, I hurriedly made payment of {$70.00} on XX/XX/XXXX ( please check ). Then on XX/XX/XXXX, I paid off the balance ( please check ). 

I have never had late payment I paid on time and with automatic payment set up ; I called to get a payoff amount ; I continued to pay even when I had difficulties ; I made payment when I got an alert that payment was missed ; I paid off the card ; I have continued to use card and have continued to make payments ' I have written XXXX XXXXXXXX in XXXX and in XXXX to remove the late payment but they have refused. 

Thank you very much. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I pay all my Bill 's electronically, I set up bill pay for Barclay 's on XX/XX/XXXX payment was cashed on XXXX I have confirmation number. I called Barclay 's after receiving a bill w late payment fee. I explained the above they said they would research. 2 months later another bill with more late fees. Called again paid the remainder of my bill off over the phone. Had a 3 way call w my bank, XXXX stated the payment was sent and cashed by Barclay 's they said ok we have to research. Again 2 months later another bill w late fees. This time I called and faxed confirmation proof, they had to research. 2 months later another bill w late fees. At this point I don't know what to do its {$50.00} but I refuse to repay this money. This is the worst company I have ever dealt with. I have no more proof to give but it's obvious they received the payment.

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 monetary relief
Consumer complaint received 2023-08-29
Company: Nelnet, Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Over time as I have made Payments on my Accounts the Loan Providing Companies have NEVER UPDATED BALANCES. THIS has become so obvious to me the past few months, since I have PAID OVER {$12000.00} on MY ACCOUNTS! 

This is a CLEAR VIOLATION of the FCRA pertaining to ACCURATE REPORTING, CREDITING ACCOUNTS IN TIMELY MANNER, MATHEMATICAL ERRORS. THIS SKEWS TRUE BALANCES AS COMPANIES CONTINUE COMPOUNDING INTEREST RATES ON POSTED BALANCES-THIS IS THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I STARTED RECEIVING EMAILS ON XX/XX/2021 AT XXXX STATING AN ONLINE CHECKING ACCOUNT HAD BEEN APPLIED FOR. THEN THE NEXT FEW EMAILS AFTER THAT STATED ACCOUNT WAS APPROVED AND THEN THE FINAL EMAIL SHOWS THE EMAIL ADDRESS HAD BEEN UPDATED TO A DIFFERENT ONE ON XXXX I REPORTED THE MATTER TO WELLS FARGO CUSTOMER ADVISORY GROUP OR C.A.D. GROUP FOR SHORT AT XXXX. ONCE REPORTED, I WAS GIVEN A CASE # AND ADVISED THAT SOMEONE WILL CONTACT ME IN 3-5 DAYS. THE REP ALSO CLOSED THE ACCOUNT TO ADVOID FURTHER TRANSACTIONS FROM OCCURING BEYOND. 
PLEASE ADVISE ANY FURTHER ASSISTNACE TO ADVOID MY CREDIT BEING DAMAGED BY THESE THIEVES. 
THANK YOU IN ADVANCE FOR YOUR ASSISTANCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
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:
Submitted updated Employment Verification Forms to FedLoan when the Federal Government announced the temporary waiver for the Public Service Loan Forgiveness program in XXXX. I consolidated loans in XXXX and I'm seeking to have payments made between XXXX - XXXX counted for PSLF. On XX/XX/XXXX I received a letter that stated, in part, " Per your request we have completed our review of your eligible and qualifying payment counts in your pursuit of Public Service Loan Forgiveness ( PSLF ). We can confirm your payment count is accurate and now consider the matter closed. '' Unfortunately, this is categorically untrue as their own records show payments only counted after XXXX. This false, incorrect information is egregious for a representative of the Federal Government to send out, and FedLoan needs to put a stop to lying in writing to account holders immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My computer was stolen and it had my tax forms as well as saved passwords for XXXX, XXXX and other shopping sites. 

I requested a freeze from Experian as a precautionary measure. I also closed my bank accounts that were linked to those accounts and my XXXX and XXXX. 

Now I cant reopen a bank account because of the freeze. There is no human to speak to at Experian and the only way to remove the freeze is by mailing hard copy proof of address, utility bills, etc. 

They have no email or fax option. 
There was NO WARNING when I set the freeze that the reversal would be so slow. 
I am a XXXX XXXX  and dont have a utility bill in my name, a drivers lisense with my current residence, etc. 

I feel like MY information is being held XXXX by Experian- while they make money off me. 

There is no excuse for them not to have ways to submit information electronically- my doctor and FSA account - have ways to safely upload and encrypt documents. 

My advice to others will be dont freeze your account, just watch everything carefully! Experian is unaccountable to the consumers. They need to have a more expedient way to reverse these so-called protections. 

At this point I feel like they are financial 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 2018-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX XXXX XXXXXXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2022, I sent a notarized Affidavit of Truth and Fact, listing the numerous Consumers ' Rights Violations committed on behalf of this debt collection agency, a copy of the Exhibit ( s ) providing visible proof of the violations, a Cease-and-Desist letter that included the necessary remedies I wanted to settle upon, as well as an invoice for payment of the violations. All of these documents were sent via USPS Certified Mail, and I am aware the company received the documents. This collection agency ignored my attempt to remedy the violation of my rights.

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 2020-12-03
Company: Experian Information Solutions Inc.
State: NC
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: Billing dispute for services

Complaint:
On XX/XX/2020 Experian charged a debit card of mine that they did not have access to. I thought that I was under the free membership and logged in today once I noticed the charge. Before they deleted info not too long ago I was able to view my old card info in their system. Their system had my old card info that has been deactivated so I don't understand how they were able to charge my account. Also, in checking my emails to try to find out what in the world was going on, I found an email from them from XX/XX/2020 ( yesterday ) stating that they tried to charge my old card ( XXXX ) for membership but was not successful because the card was either old or I may have switched banks which confirms that they knew that the card was not active. How in the world did they gain access to my bank account and charge my new card without me providing this information to them? 

My bank has also confirmed that the card ending in XXXX was not active yesterday or today and are not able to explain how they were able to charge me the {$24.00}.

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 2017-09-06
Company: Santander Consumer USA Holdings Inc.
State: NC
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 are still reporting outdated incorrect information regarding Santander Consumer USA. I do hot have a balance with Santander Consumer USA of any kind. The balance should be XXXX. Santander has not reported any updates since XX/XX/2014. This information needs to be fix to show my balance as XXXX or remove from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Omega RMS, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 - sent letter regarding HIPAA violation XX/XX/2019 - Omega RMS sent response with credit application. The signature on the credit application is not my signature. I supplied a copy of my drivers license to confirm my signature. 
XX/XX/2019 - Sent another letter for debt validation requesting the following : *Please attach a copy of the agreement with your client that grants Omega RMS the authority to collect this alleged debt. 
*Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
*Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
*Please attach copies of all statements while this account was open. 
XX/XX/2019 - Omega RMS sends the same credit application package. Again, the signature on the credit application is not my signature. I supplied a copy of my drivers license to confirm my signature Can you please have Omega RMS supply the above requests giving them authorization to collect this debt from the original creditor?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage became arrear in XX/XX/XXXXof y sent me an reinstatement notice stating that if you with Ocwen financial, In late XX/XX/XXXXof this year they sent me an letter stating that if you pay this amount by XXXX XXXX 2017 that they woukd reinstate my loan, which I did, Approximately ten days later I receive a letter stating that my XXXX XXXX quick collect would be returned and citing no reason.I called their customer service and they stated that the amount was incorrect and that is why it was being returned, I stated that I had received the letter and even acknowledged it, also I had called before making the XXXX XXXX payment and, by their customer service yes to make the payment, which I did .Later I contacted their Consumer Ombudsman and was promised some resolution and an answer which I never did.Later I was advised once again by their Customer Service agent to file a new Modification which I have and still waiting for a response.Throughout the whole process the customer service agents have been most polite and responsive.PleASE HELP AS i AM A SINGLE FATHER WITH XXXX  CHILDREN WHO ARE XXXX AND NEED YOUR INTERVENTION.They need to approve the new modification so we can keep our home, Thank Yound XXXX Bless! XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX loan # XXXX

Company response to consumer: Closed with explanation