BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I received 4 XXXX Cancellation of Debt form from Chase regarding my private student loans. The forms were 4 loans that totalled {$21000.00} ( 3 x {$5000.00}, and 1 {$6000.00} ). I originally called them onXX/XX/XXXX to get help regarding the issue because the loans that they cancelled are active. They have been serviced up to this day by XXXX and I have been making regular payments on them. The original call resulted in being told to send in a fax with documentation to dispute the action by Chase. I since then faxed the information 3 time ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) Each fax has requested that I be called to confirm receipt, and to get an update. I have also called numerous occasions to their XXXX number. I've asked to speak to a manager about the situation at least 5 times. They have a record of my calls because they refer to it each time I have called. The one time a manager called me ( XXXX ), she said that they did not get any faxes and that I had to be mistaken that my loans were not active. Each time I have recently called, I get transferred to a manager 's voicemail, leave a message requesting a call, and not getting any response back whatsoever. I am now liable for {$21000.00} in income that I have to include in my taxes because Chase doesn't keep accurate records of their loans and tries to get people to pay on loans they don't even own. I feel like I am getting the severe runaround now. My servicer XXXX has been nothing but wonderful, they gave me information about my loans that I used to file my dispute. They also verified that the loans that they have did in fact belong to Chase at one point, but they no longer own the loans. They said they were confused as to why Chase would do such a thing. I now need sever help to get my records straight. Nobody at Chase really helps especially since it's their fault and mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: BB&T CORPORATION
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:
CRA - Inquries are not mine. No knowledge. 
BB & T, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was waiting for my stimulus check to come on the amount of {$1200.00}. I got my last check in paper form. The IRS portal opened up on XX/XX/XXXX. I learned then that it was direct deposited to my Netspend card. I haven't used that card in almost 2 years and was even locked out of online access because of inactivity. Also, my wallet was stolen on XX/XX/XXXX in which a police report was done with the XXXX Police department. Once the portals open because I did not have access to Netspend online I called customer service and was told I had a balance of XXXX. Netspend was closed. I called early XX/XX/XXXX spoke to a rep who filed my dispute and unlocked my access to my Netspend online. There online in the secure inbox, Netspend sent an email on XX/XX/XXXX staying an ACH deposit was received and that additional information was needed to process it, if I did not respond by XX/XX/XXXX XXXX CST they would send check back. They did not do that. They processed the check on XX/XX/XXXX. On XX/XX/XXXX I received ba message stating that no error was detected and I would not receive a credit for my lost funds. The transactions were all signature transactions, the check was not supposed to be deposited to the account in the first place. They were suppose to send a new card and on XX/XX/XXXX stated card was sent back because address was unverifiable but I've received all my stolen information including my new ID but not their card now I can't even access the XXXX left.

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 2021-11-02
Company: EQUIFAX, INC.
State: NC
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:
I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in Equifax they have stopped to show my car and are not showing my XXXX   XXXX car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Capital one keeps on reporting dispute remarks on my credit report also is not showing the car i have been paying with them on a loan. i have called and disputed this over the phone. my credit card keeps showing dispute remarks making it difficult to apply for any type of loan, credit card or i house i will be applying for in a few months. this has also transferred to the authorized users my father and girlfriend credit report. in XXXX  they have stopped to show my car and are not showing my capital one car loan. 

this is my car and credit card that i have been paying on time please fix this issue. 
i will complaint this to my local attorney general 's office just in case this has to go to court. 
i will keep copies of everything from this day forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: Credit Plus Inc
State: NJ
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:
I am a victim of an old creditor ( XXXX XXXX ) running my credit without my authorization. In addition, when I disputed the claim the banks response was that I gave a verbal approval, based on past relationship. The initial request from XXXX XXXX ( XXXX XXXX ) to refinance my mortgage happened on XX/XX/2020. My response was no, because at the time I had additional obligations that may have prevented me from exploring this. He asked me if I could send him some bank or pay information and I declined to respond. What XXXX did not know is that at the time of the call, a team member from my job was in the room, heard the entire conversation, and the denial of running my credit. On XX/XX/2020, I received a credit alert from my credit profile that a hard inquire from Credit Plus ( XXXX XXXX  ) had been pulled. I immediately emailed XXXX and asked him to explain why this has occurred and my objection to this unauthorized action. He never replied to the email ( see attached ). On XX/XX/2020 I also reached out to a Consumer Law firm to get advice on how this could occur and ask for support in the matter. Several days of no response from XXXX XXXX and then on XX/XX/XXXX, an erratic message from XXXX stating that he knows I wasn't sure, but you were ok with me checking and that a refinance looked good. On XX/XX/XXXX, he called again begging for me to work with him. I never spoke to XXXX anytime other that the call on XX/XX/XXXX or XXXX, which was initiated by him, stating that I am unsure and I would get back to him on what I decide. XX/XX/XXXX, I wrote a dispute statement to Credit Plus to fix this error, as my efforts with the credit bureaus weren't successful. XXXX responded with false claims that I gave verbal approval, as stated earlier. I am truly disappointed about the power merchants have in reviewing and running a consumer profile at leisure. Then to send this fabricated statement back in response is a second violation of my rights. Please assist me in removing this authorized inquiry from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Army and Air Force Exchange Service
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a complaint against XXXX XXXX card and take it home today. The original debt that was closed in 2013 was for {$3500.00}. I called to get a settlement for this account because Im trying to buy a home and this is a federal debt that had to be paid. When I called they told me because of interest and collection fees the debt is now {$8500.00} and that they only do settlements after XX/XX/XXXX because then everyone would call with settlement land from their tax money. They only way to pay the debt was in full the first so see I spoke with stated that even if I did a monthly payment of {$90.00} to pay off the debt I wouldnt pay it off in 100 years because the monthly interest is {$81.00} I was also told that I should ask my family for money if I wanted to pay off the debt. Then I was informed by the associate that they were a federally backed debt meaning even if it took them till I received Social Security eventually they would get their money so they had no reason to settle with me. Now because of this my family is losing out on an opportunity to buy a home and after 6 years of military service once more I get a slap in the face by the US government. My account number is XXXX my phone number isXXXX

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 2020-01-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because Equifax did not use good security measures my credit information, along with millions of others, was compromised not just once but evidently multiple times over a period of years. Following the government settlement with Equifax I did have my credit information frozen and was provided a pin number and told that it would be a simple matter to unfreeze my credit as needed. That is not the case. In XXXX I needed to unfreeze my credit to lease a new auto. I tried using the website and it did not work properly, just so you know I worked for XXXX for over 33 years, so it's not because I am unable to use a computer or navigate software. When I called the 800 number it was answered by someone who barely spoke XXXX, was very polite, but could not help me. They kept asking me nebulous questions even after I had answered a number of questions that should have proven I was who I said I was. I was uncomfortable with providing the level of information they were asking me for to someone who was obviously outside the laws and protections of the United States. After several hours on the phone I finally got transferred to someone in the XXXX XXXX call center and they were able to help me. 

Today I called to unfreeze my credit, again, because we are in the process of selling our home and purchasing a new one. This time the Equifax website was down altogether, I made multiple attempts to try and get to it using a variety of paths, and all I got was a screen that said " oops, '' like they had bumped me in a hallway, not screwed up my life with all of their stupidity and incompetence. When I called the 800 number I was put through the same process and ended up with the people in XXXX XXXX, again, but this time they are telling me they need me to FAX a copy of my driver 's license and my social security card to them, that is a really bad idea and it's that kind of stupidity that allowed out personal information to be stolen in the first place. 

There are some corporations that are so bad, so poorly run, such a drag on society that they need to be shut down. Equifax is one of those companies. I am sure they have screwed up the lives of millions of honest, hard working citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Nelnet, Inc.
State: MD
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:
Dept of ED/Nelnet is currently reporting that I have balance increases for all 17 accounts although I recently received an email from the Department of Education dated XX/XX/XXXX stating that my loans are in " forbearance and or in stopped collections status '' since XX/XX/XXXX and " will remain in that status pending further direction.. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.

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 2020-01-24
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint against Contract Callers Inc/XXXX XXXX. Account number XXXX. The amount owed is {$70.00}. My complaint is they failed to send the last bill to your home address and it turned into a collection. If they would have sent the bill to the right address it would have been paid. 
This has costed me between 100-150 drop in my credit score and is affecting me refinancing my homes.

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 2021-01-29
Company: MECHANICS BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX with Mechanics Bank who financed the vehicle. From the very beginning, the car had major problems that I was unaware of and could not have known. In the first week after purchasing the car I was forced to return it back to XXXX XXXX while driving it the warning light came on " XXXX XXXX  '' the air suspension went out and the car lowered to an unsafe distance from the ground. XXXX XXXX XXXX sent the car out for repairs, however, two weeks after the repairs, the car lowered again to an unsafe distance to the ground. I had it towed to my local XXXX dealer, XXXX XXXX XXXX. When the tow truck arrived he was unable to line up the towlines on the front bumper, which appeared to be replaced and put on incorrectly. After the car was towed I reviewed the XXXX, though it had no accidents reported, there appeared to be a lot of work done on the car. As I called each company that had did repairs, this became a horror show, which each company stating that the car was not safe to drive, both bumpers had been painted over which rendered the sensors located in them useless. The previous technicians indicated that the car had been in an accident and appeared to be salvage. XXXX XXXX insisted I purchase an extended warranty which I did, however, I refused to use it to make repairs, as I felt they were preexisitiing and they would be made on my dime. I canceled the warranty in XX/XX/XXXX, however, the dealership held on to it until XX/XX/XXXX, after receiving the letter from my attorney they turned over the XXXX to Mechanics Bank. 
My complaint is against Mechanics Bank, as my attorney is dealing with XXXX XXXX XXXX. To finance this car for XXXX minus my down payment, a car salvaged not worth more than {$1500.00} at best, did not hold up to their financial obligations according to the FDIC. In addition, my car payments were misapplied I made my first payment to Mechanics bank and principal payment, however, the principal payment I requested was made to pay Mechanics Bank interest. As a consumer Mechanics Bank had a duty to protect their interest along with mine, which leads me to believe this fraud was done in concert between the two parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Bread Financial Holdings, 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:
I am reaching out in response to an account error that has impacted my credit score greatly. I am currently in the process of buying a home, so my credit is very closely monitored at this time, which is how I received notification of this error on XX/XX/2020. 

In XXXX this year, I called the XXXX visa card customer service to set up automatic billing. I was transferred to another employee because the initial employee said he did not have the ability to set that up for me. The second person said she was able to set up automatic billing for me. She helped me pay my balance down and set up my payments using the card I have on file. 

I found out yesterday from my credit report that the payments showed 3o+ days late as of XXXX. When I reached out to the XXXX Visa card customer care line, a gentleman let me know that the automatic payments were only set up for the following month ( XXXX ), but not set up for payment past that month. However, the employee that I spoke to in XXXX communicated to me that they had in fact enrolled me in the automatic billing, so I assumed the funds would continue to be auto-debited out of my account as they were for both XXXX and XXXX. He suggested that the employee must have " miscommunicated '' to me. On XX/XX/XXXX, I ended up paying off my entire balance because I can not risk an error like this happening again. 

This error has dropped my credit score 15 points, and I am closing on my new home in XXXX, so I wanted to reach out to try and resolve this issue. 

I spoke to several employees to see how we can mediate the issue, but all three suggested that they could do nothing, so I wanted to escalate the issue for mediation. 

Thank you for your time.

Company response to consumer: Closed with explanation