BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is taking advantage of military families, by not allowing me to do an online credit freeze. They have instead insisted on a complex mail it in process, that does n't really spell anything out or provide any forms or assistance. I 'm XXXX, this is horrible customer service. I just want a credit freeze, and they are making it impossible for me. This should be banned, as a predatory practice and should be unlawful. I do n't want them monitoring me to begin with. Now when i try and take some form of control and protect myself, I ca n't.

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 2019-10-14
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am a XXXX Veteran and President Trump gave  forebearance on my Student Loan. Nelnet has negligently left the student loan on my Credit Report. 
I attempted to contact them with no response. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
One of the cars which I leased was a total loss ( XX/XX/XXXX ), and my insurance company paid the lease holder off in XX/XX/XXXX. The balance due according to my lease holder was {$890.00}, which I received a letter in XX/XX/XXXX, I immediately paid the amount owed ( check # XXXX dated XX/XX/XXXX ) payable to the lease holders ' collection company. So the account was paid-in-full per the lease holder on XX/XX/XXXX that's the date they say they cashed the check. I show they cashed the check and it posted to my account on XX/XX/XXXX. Regardless, the Lease Holder reported an I-09 entry against my credit which means " Outstanding balance due/Collection Charge Off '', I feel this entry is incorrect and severely harms my credit rating as it does not rise above 700 FICO median score because of this inaccurate reporting. I have spoken to the Lease holders ' Loan department over 11 times ( XX/XX/XXXX through XX/XX/XXXX ), and have written their Credit Dispute Team in XXXX XXXX, Iowa twice. The first time ( XX/XX/XXXX ) they responded in 1 week ( XX/XX/XXXX ),  with " that they have reported the credit incident correctly '' and the 2nd time I wrote them ( XX/XX/XXXX ), I still have not gotten a response. This has really gotten out-of-hand I need a resolution with the verbiage as defined, and with this false reporting and the I-09 remarks off my credit reporting record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I disputed a collection account on my credit report from AD ASTRA RECOVERY SERVICES for the amount of {$310.00}. I was unsure what this was or why it was on my credit. I never received any kind of notification in writing or otherwise from this company. My dispute was me attempting to verify that it is indeed my debt as my right, per the FCRA. They did not provide me with this information yet it is still harming my credit profile. I want this debt either verified as accurate and that I indeed am responsible, or I want it removed from my credit ASAP. I refuse to allow this company to continue reporting to the bureaus if it is unjustly falsified informations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was sent to collections on XX/XX/2018 for an account that was fraudulently opened. I recently learned I am a victim of identity theft. I tried resolving this last year and they refused to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Well for years my credit report has been wrong frad and I've tried to fix it myself now my credit has been compromised from Equifax it's wrong to have my credit destroyed for years no one there to help me fix or repair my credit report I've filed with them disputing the credit report to no avail or they just do not care how it had effected my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in response to an unresolved claim through CFPB. 

I never opened an account with this entity. I do not open such accounts online, electronically, or via the internet. 

This entity claims I opened an account with them online to obtain a line of credit. I have informed this entity they are incorrect and that I never opened such account. 

I will not utilize another entity such as FTC to validate my claim or fill out documents alleging a fraud has occurred, as I will not give any entity my personal information due to an occurrence I had nothing to do with. This is not my responsibility. 

The entity claiming I opened such an account needs to provide a written contract with my wet-ink signature thereon, as that is the only method by which I will open an account. Otherwise, it is proven I have no affiliation with this entity, have never done business with such entity, and do not owe a debt wherein said account exists. 

Attached are the three attachments this entity included as backing their claim against XXXX XXXX, all of which are invalid as they have nothing to do with me, XXXX XXXX. Also attached is my affidavit stating my procedure for financial contracts. 

Show me this contract on paper or there is no such contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
trying to collect debt as result of id theft informed them by phone they are still reporting to credit bureaus have sent paper work to XXXX where fraudulent account opened in my name using my stolen info amount is XXXX collection agency is XXXX XXXX co XXXX XXXX XXXX fla XXXX XXXX XXXX XXXX have filed police report with new York state police case # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
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: Account information incorrect

Complaint:
XXXX and XXXX fraudulently report XXXX, Equifax, XXXX  and NYS Attorney General. XXXX, Equifax and XXXX  continue the fraud. Please refer to attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: KS
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:
XXXX 's client XXXX XXXX is an ID theft victim ; his information was used fraudulently to apply for several credit and communication accounts. During the process an address was found associated with these applicaitons in his Equifax credit report. An official dispute of this information was sent to Equifax XXXX/XXXX/XXXX ( ticket number XXXX ) however a credit report received XXXX/XXXX/XXXX Equifax is still listing the address. 

XXXX XXXX XXXX XXXX XXXX MN XXXX ( this is the fraudulent related address that is to be removed from the Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
Santander is reporting a debt on my credit file that I do not owe. I recently checked my credit report and noticed this debt is still reporting. I have not made a payment in over 7 years and this account is past the credit reporting limits under the FCRA. Not only that, I have talked about this with the attorney general of California and have found that this account is past the statute of limitations as well. You can longer collect or sue me for any debt related to this account. You are in violation on 2 accords and I ask that you remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2019-10-14
Company: Experian Information Solutions 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:
I have sent exactly the forms that i was given by Identity thieft. org and experian says they are in the wrong format lady on phone would not explain what format they needed to be in. very rude, i asked for supervisor and was hung up on

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 2019-10-14
Company: Immediate Credit Recovery
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
A couple of weeks ago I received an email from my payroll department that they were going to start garnishing my wages at 15 %. My payroll department was noticed of this on XX/XX/XXXX. I called the company that now has my student loans, Immediate Credit Recovery, yo ask about this garnishment and was advised they sent me a letter to set up a payment plan but they sent it to an address Ive never lived at. They advised me I can fill out a financial hardship packet and hope that they dont garnish my wages. I filled out the packet and mailed it in with all my bills then on XX/XX/2019 I received a letter in the mail from the US Department of Education to set up a payment for plan for the debt I owed. I called them to set that up but was advised to just disregard the letter I received and it was sent out in error. I was never given the opportunity to set up a payment plan for this debt and Im also XXXX weeks XXXX with my first XXXX  so having them garnish 15 % of my wages is going to put a huge financial strain on myself. The amount I owe is XXXX and Ive also been advised they will be seizing all of my income tax this year. Id be willing to make payments to this company but I cant afford for them to take XXXX a month from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4500.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

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 2018-01-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a number of accounts with Wells Fargo : Mortgage Line of Credit Account Checking Account Savings Account I have been a customer of Wells Fargo for over 25 years with them and predecessor companies. 

They have now charged me a monthly fee of {$30.00} with some incomprehensible explanation of why I was charge this fee in 2018 when they have not done it last year. I complained and they gave me a {$7.00} credit as a " nice gesture ''. ( I keep {$500.00} in savings and I think they demand I keep more. ) To me as a customer with many accounts where I pay a lot of interest, i.e. mortgage and line of credit, I think it is outrageous to be charged {$360.00} a year for the pleasure of being gouged by the bank.

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 2019-10-21
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE SUBMITTED SEVERAL DISPUTE ASKING EQUIFAX TO REMOVE THE VERBIAGE FROM CONSUMER STATEMENT ON MY CREDIT FILE. THEY HAVE REFUSED TO REMOVE IT. I DID NOT AUTHORIZE THIS STATEMENT THAT IS ON MY CREDIT FILE, NOR DID I MAKE SUCH STATMENT. ATTACHED TO THIS COMPLAINT IS THE STATEMENT THAT IS SHOWING ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23
Company: TENET HEALTHCARE CORPORATION
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 just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Syndicated Office System

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled my XXXX credit report and reached out to CBNA in regards to an I wiry that is showing on my credit report. This inquiry is dated XX/XX/2018. This company wasnt able to find any information and wouldnt send me a deletion request to the credit bureau to have it removed. I have not applied for credit at all. I am single mom and staying away from credit.

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 2019-10-14
Company: HYUNDAI CAPITAL AMERICA
State: VA
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:
On my credit report Kia finance reported a late payment in XX/XX/2019 as well as XX/XX/2019. Neither of those months I was late. I contacted the company in XX/XX/XXXX about setting up an auto pay. XX/XX/XXXX the auto payments began. I asked over the phone in XX/XX/XXXXif missing XX/XX/XXXX would be ok, or effect anything and she told me no. Ive contacted Kia and they reported the only way to resolve this matter is submitting a written request. I submitted but was told it usually takes up to 30 days processing time. I also contacted the company back in XX/XX/XXXX to ask why and was given money back, as well as hung up on by multiple representatives. With no answers as to why they are saying Im late. And no answer why they gave me money back. When I was told to pay XX/XX/XXXX bill I paid it as soon as I found out. I was never contacted about a missed payment even though I had been to a Kia building to get service done I still was never told. My contact info was not up to date even though most companies verify up to date info when you call them. I was never late in either XX/XX/XXXX or XX/XX/XXXX.  And this has negatively impacted my life through my credit score dropping dramatically.

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 2018-01-10
Company: JPMORGAN CHASE & CO.
State: TX
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 use my XXXX Rewards ( XXXX ) administered by Chase for my hotel stays. 

During my membership Chase offered a 0 % interest on balance transfers. I took advantage of that option ; however, it was not fully explained how payments and interest would be applied after the balance transfer. 

Facts not previous explained in terms that are understandable : - I will ALWAYS accrue interest on my purchases regardless of paying that amount prior to statement close date - any payment I make over the minimum pmt due does not get applied to interest bearing purchases, it pays down the 0 % interest balance until after the statement close. 

For example : Stmt date : XX/XX/XXXX Minimum pmt due : {$110.00} Purchases on XX/XX/XXXX in amount of {$800.00} and XX/XX/XXXX in the amount of {$300.00} started accruing interest and could NOT be paid until after the XX/XX/XXXX stmt date. 

I have to make 1 payment in the amount of the minimum pmt due ( {$110.00} ) plus the purchases ( {$1100.00} ) plus interest ( continuing to accrue until paid ) all in 1 transaction. If I pay the minimum payment due ( {$110.00} ) on XX/XX/XXXX and then the purchase amt ( {$1100.00} ) plus interest on XX/XX/XXXX, the cc company will ALWAYS apply the 1st {$110.00} ( even though it has already been paid ) to the 0 % interest balance and short my purchase amt accruing interest at 24 %. In order to get an accurate total amount due to avoid interest, the consumer must call in to ask for the exact amount that will need to be paid that day since interest continues to accrue daily. 

These are highly complicated payments structures that the average consumer can not fully comprehend and there is not transparency or visibility on the monthly statement which clearly identifies what amount should be paid, so that no additional interest will be accrued. 

The CFPB needs to step in to STOP this horrific interest scheme and force the cc company to always apply the payments to the highest interest rate 1st ( including the minimum payment due ) and stop the accrual of interest until after statement due date. I thought we the credit card reform act had accomplished that very thing, but clearly the cc companies found this loop hole or are not following the spirit of the regulation.

Company response to consumer: Closed with explanation