BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived at an apartment complex in XXXX, NC called the XXXX located at XXXX XXXX XXXX XXXX, NC XXXX. I lived there for 2 years, and my official move out day was XX/XX/2020, of this year. On XX/XX/2020, I recieved a letter from National Credit Systems , Inc, in XXXX located at XXXX XXXX XXXX XXXX, GA XXXX saying that my {$81.00} balance has been paid in full. Mind you, XX/XX/XXXX is not even one entire month from the move out day from these apartments. I never received an email or notification that I still had a balance on my account. The creditor reported me, and I paid immediately. It is now XX/XX/2020, and the delinquency is still showing on my credit report. I want to file a dispute with the apartments primarily, and the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I play XXXX XXXX in a different country for 8 months out of the year and while I was away my account was getting charged by a stock savings app called " XXXX '' and it over drafted my account pretty badly by the time I realized it was to late the bank had closed my account and sent it to collections. Once I came back to the states I handled it and paid the account off immediately. Now US bank has sent my account mishap to XXXX XXXX and they say it is " account abuse '', but this is not the case what so ever if anything it would be an overdraft account that's all plus it is paid off in full. Being in XXXX XXXX is ruining my life now because I am trying to get my business going and I can not because no banks will allow me to open up a bank account with them, once they review XXXX XXXX   and see the account abuse, they send me out of the door. Please help me!

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 2022-08-09
Company: DISCOVER BANK
State: VA
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 XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: PA
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 recently just started reviewing my credit report and found a lot of false and unverifiable information on my report. So a month ago I send a dispute to XXXX, Equifax and XXXX. I sent the letter on XX/XX/2021 and still haven't seen any response about my disputes, they're a lot of law being broken her according to the FCRA and the recently passed pandemic CARES Act.. 

Please make these bureaus follow the LAW, not right to be taking advantage of as a consumer. I need this problem fixed ASAP I will not wait another 30 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently just started reviewing my credit report and found a lot of false and unverifiable information on my report. So a month ago I send a dispute to Transunion, XXXX and XXXX. I sent the letter on XX/XX/2021 and still haven't seen any response about my disputes, they're a lot of law being broken her according to the FCRA and the recently passed pandemic CARES Act.. 

Please make these bureaus follow the LAW, not right to be taking advantage of as a consumer. I need this problem fixed ASAP I will not wait another 30 days to receive no response because the FCRA clearly states it is LAW to have resolution within a 30 day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly.

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 2019-09-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
General Chase Business Credit Card branded for Southwest Airlines Problem 1 ) Found out on XX/XX/XXXX, that the card is showing as a " personal '' card under a personal social security number rather than the business EIN that was given when the card was applied for in XX/XX/XXXX, per XXXX XXXX in Central Ops Service Center for JP Morgan-Chase Problem 2 ) Updated business email online on XX/XX/XXXX due to an email change for the business. Received two email confirmations of the email change. Email confirmations were sent to the correct new email. On XX/XX/XXXX, received an email notification that our statement was ready but it went to the OLD business email that had been removed online from the account. 

Problem 3 ) A personal email keeps showing up on our account online that was NEVER typed in or authorized for use with this business credit card. After four phone calls with Chase and multiple conversations, no one at Chase is able to permanently remove the unauthorized email. Additionally, more than one person specified that they have seen this before where personal contact information gets pulled into a business account without authorization. They do not know how to fix.

Problem 3 ) This is not the first time, or first Chase credit card, were we have had this problem. Chase has never been able to resolve these problems in the past. In addition, they sent us letters claiming a resolution which have all been inaccurate and blatant lies. We believe Chase needs to have their data systems audited for security issues. When data just shows up in online profiles that was never entered by the credit card user or Chase support, and the changes have occurred with the card user and a Chase research person watching the system and witnessing the change with no explanation able to be given, then there is a HUGE problem. It should scare anyone working with an online Chase profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I keep trying for the last year to reach out to the debt collection company to settle the debt but no one responds. I asked for proof because the amount they have versus the amount I have from the original debt doesnt match. I also asked for a settlement amount so I can get rid of the collection. No one ever responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: First Advantage LNS Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent Letters requesting documentation to verify this information is mine and is correct on : First Letter on XX/XX/XXXX second letter on XX/XX/XXXX third letter on XX/XX/XXXX Received a letter from the Credit Bureaus XXXX XXXX  and XXXX XXXX saying account has been verify but never received any supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: MN
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:
Sent bureau a letter to dispute inaccurate accounts XX/XX/XXXX Sent a verification letter XX/XX/XXXX Sent a no response letter XX/XX/XXXX Sent a letter stating that I was going to file a complaint XX/XX/XXXX I never received a response from any of my letters

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 2018-04-26
Company: EQUIFAX, 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:
Despite filing a dispute with Equifax and placing a credit freeze on my file I am still receiving inquiry alerts and Equifax refused to remove fraudulent inquiries on my credit report despite being advised that I am a victim of Identity Theft as my information was compromised in their Breach. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The Work Number, from EQUIFAX, has FOR YEARS, supplied fraudulent employment information to potential employers. The employers have been scanned and are listed here : XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX., XXXX Department Stores,  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Moreover, this fraudulent information is not on my credit report. It is being secretly reported to potential employers via The Work Number From Equifax. I have never authorized this information to be provided by The Work Number. I didnt know The Work Number From Equifax was providing employment information. 

I have never worked for these employers. Review the dates of employment also. The majority of these companies are reporting 1 ( ONE ) month of employment. This is ridiculous. Remove these employers from my employment history. It is fraudulent. I have never worked for these employers. There is also a fraudulent address listed on the last page of the report : XXXX XXXX XXXX XXXX XXXX GA XXXX. Today Ive spoken with XXXX a customer service rep with The Work Number, From Equifax. She states that I must contact Equifax Office of Consumer Affairs to have the address removed. This office has removed this fraudulent address several times. I have recorded calls each time. Why is this address being rotated by Equifax? Its not on any other credit reports. Just Equifax where I have been consistently targeted by the Office of Consumer Affairs. I want these fraudulent employers, addresses and this fraudulent phone number removed from my credit report and employment history report! The fraudulent phone number listed by The Work Number From Equifax is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Wells Fargo accepted a delivery receipt with my signature on it that was fraudulent ... .my signature is on file at the bank and they know it was not my signature. This is the 4th complaint and they have yet to address the issue why fraud is acceptable at Wells Fargo. As I have stated before, this will not stop until the question is answered. FRAUD AT A BANK IS NOT O.K. Complaints will keep racking up against Wells Fargo until they deal with this situation.

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 2019-09-16
Company: Ocwen Financial Corporation
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX We purchased a home in Maryland as a short sale. In our HUD 1 it shows that the seller had two loans with 2 separate loan numbers. We received letters from the sellers mortgage company they accepted our offer, and we proceeded with the sale. 
Fast forward to XX/XX/XXXX we were selling our home and had a ratified contract, when 2 days before our scheduled closing on XX/XX/XXXX our buyers title company tells us there is a lien in the amount of $ XXXX outstanding on our home from the previous seller, and no title company will close the deal unless we assume responsibility. Our mortgage company XXXX XXXX XXXX XXXX basically does not wish to help because we did not have title insurance, and they can not file a claim because technically the loan does not exist. The previous sellers mortgage company was Freemont Investments, they went bankrupt, re-emerged as another company and eventually sold to Ocwen. Ocwen will not give anything in writing because they state there is no loan or lien, and flat refuse to provide anything to XXXX XXXX, the current company trying to close this new sale. To further complicate the matter Freemont Investments went out of business, and as said now is Ocwen, who refuses to assist in any way. The previous owners title company also went out of business and our title company we used, which was affiliated with XXXX XXXX XXXX XXXX, also went out of business. Now, we are being told that nobody can help us and the only two options we have are to either assume the $ XXXX debt that shows was paid off of on HUD1, or wait another 8 years for the $ XXXX non-existing loan that was already paid off to fall off of the records. As of XX/XX/XXXX our buyer is requesting to walk away, and this leaves us with a mortgage to a house we can not sell because Ocwen refuses to do the research and give us the release on something that was paid for on our HUD1. Basically, in a nutshell, Freemont Investments only released one of the two liens but received payment for both loand per our HUD1.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made 2 withdrawals from a Santander. Bank ATM in XXXX MA XXXX store ( has their logo on it and is verified as theirs ) on XX/XX/ Tuesday. I withdrew {$400.00} and {$60.00}. This indeed came out of my checking account with this bank Santander. {$260.00} of that amount was fine. {$200.00} of that money was deemed counterfeit by XXXX XXXX XXXX on XXXX XXXX XXXX XXXX MA XXXX on XX/XX/XXXX. I am now out {$200.00} because that money that was disbursed by this bank 's ATM vendor ( their vendor so their issue to assist me ) was taken out of my account but is not valid money. This is not my fault and is not fair as I never filed this claim prior to all my years banking so I am not trying to scam or get money that isn't mine. To get this rectified, I called Santander Bank customer service ( 2 hours of working with them ) on XX/XX/XXXX. They opened claim XXXX. I called back on XX/XX/XXXX to check status. Find out it is denied. Have this escalated with customer service rep XXXX this day, he expedites and escalates to his manager XXXX in claims who is working with manager of Investigations team. New claim number is XXXX. Call back to check status XX/XX/XXXX. Find out denied again. Work with XXXX in claims again XX/XX/XXXX under claim XXXX for this same issue. I advised if they can not assist me, I will be moving all my accounts to a local credit union ( my checkings account, my credit card that I paid off with Santander, my husband 's account ). I am a good person with a good record. I am a hardworking tax paying citizen. I always want to do what is right and I never have tried to harm or scam anyone in my life. My past will show this, my bank records show this. I am not asking for anything back that is unreasonable. I just want the money that was counterfeit because it was taken out of my 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 2018-12-27
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: Information belongs to someone else

Complaint:
I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay 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 2020-06-04
Company: Experian Information Solutions Inc.
State: CA
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:
Experian continues to list erroneous information on my credit file pertaining to my student loan - I was never late - which is causing my low credit score which is, during these current times, denying me access to much needed loans. Experian does not process my disputes in a timely fashion and/or does not provide me with written substantiation.

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 2019-09-16
Company: AES/PHEAA
State: OH
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 always paid my student loans on time. In XX/XX/XXXX I paid my loan and rounded it up to {$110.00}, the next month the lender said I owed {$110.00}, which I paid. My regular payment was {$110.00} a difference of {$.00}. The same thing in XXXX of XXXX I rounded my payment to {$180.00} the next month I paid what I was told to pay which was {$180.00}. My payment amount was {$180.00} a difference of {$.00}. Now I am being told my payments made in XXXX of XXXX and XXXX of XXXX will not count towards my loan forgiveness because they were not a full payments. They are saying I am on a paid ahead program which was part of my promissory note. No one ever said that this status would result in payments not counting towards my PSLF. I had not even signed up for the program then, although I was a XXXX  employee. I was told by FedLoan Servicing the law was changed regarding the way a payment is made if you are part of PSLF, but my payments were prior to the law change so they will not count. 
They also said Pay Ahead is any extra payments made prior to 30 days from the due date. My due date is the XXXX of each month and the extra {$.00} was effective on XX/XX/XXXX-less than 30 days from the XX/XX/XXXX due date and the extra {$.00} was made on XX/XX/XXXX also less than 30 days from the XX/XX/XXXX due date. For 6 years I have followed all the rules and paid my loan with-in 15 days of the due date. My loan payments have gone up to {$380.00} per month when they started at {$110.00} a month. I am a mother with XXXX children, XXXX in college now. I have struggled to pay my loan payments, but am responsible when it comes to my debt. I do not feel I should be penalized for paying what I was told to pay. I don't feel I should now have to pay an additional 2 months at the almost {$400.00} payment when the 2 lower payments were made, on time, and should count. I also asked for a copy of my signed Promissory Note and was told I could access it at the the Dept of Education Website. I have been on the site and I am not able to locate a copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some accounts on my credit report that do not belong to me. 

- XXXX XXXX XXXX - {$650.00} - XXXX XXXX XXXX - {$640.00} My credit is reporting as much lower than what it should be due to these fraudulent accounts. I have tried to contact them over the phone but they just want me to pay 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation