BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 filled a dispute in regards to the incorrect items on my XXXX  credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
Mid XXXX I had notice a collection from XXXX XXXX and XXXX XXXX was removed from my credit file. My credit score had increased thats why I noticed. Also the credit files of other people on that account had noticed as well that it was removed. 
Beginning of XXXX I had noticed it was reinserted without notifying me within the 5 day period of the collection being reinserted. I had tried to dispute it on my credit karma file I wasnt able to write why it needed to be deleted from the credit file. So this leads me to make a complaint out. I would like the collection deleted off the credit file due to them not following proper protocol. Thank you

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 2015-03-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX University XXXX, NC I have started repayment on my Chase Student Loans ( originated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) and am unable to afford the total amount due. Today I learned that my payments have not been applying towards XXXX of the XXXX loans I have with Chase, and my payment is expected to increase once again next month. I am not asking for forgiveness of the debt at all, I just need to reduce my minimum payments. I also want to file a complaint against how my payments have been applied for however long I have been repaying them, as Chase told me today that the XXXX loan without payments has n't shown payment since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
Chase has sent me XXXX credit card mailings between XXXX and XXXX of XXXX, and I do n't want them. I am certain they are affecting my credit, and I want them stopped. However, when I call chase to get rid of these " offers '', there is a robot asking me for my Social Security Number, which they should not need, for my home address, my telephone number, and XXXX knows what else, and they do not allow me to connect to a representative, period. Enough!!! I am not interested in giving that information to anyone, and the fact that THEY have it really XXXX me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: CITIBANK, N.A.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX,2017 I submitted a formal request to have Citibank NA and XXXX XXXX ( collection agency ) validate the alleged debt and information appearing on my credit report ( XXXX ). Citibank account number XXXX, alleged amount owed XXXX. I wrote the request within the 30 day period as requested by XXXX XXXX, the collection agency. On XXXX XXXX, 2017 XXXX management wrote a confirmation letter of the receipt of my request to validate debt and all information reported by Citibank on XXXX. See attached docs. It is now XXXX XX,2017 and Citibank and XXXX XXXX have failed to provide me debt validation and validation on the information reported on XXXX. This is a violation of FCRA and the account should be removed immediately due to their failure to provide proper validation as required by the FCRA. I have disputed this many times with Citiback and XXXX. If they are unable to provide documentation proving their information is accurate the account should be permanently removed from my XXXX credit report. Letter and tracking attached.

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 2022-10-12
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Reporting information with actual knowledge of errors a person shall not furnished any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is Inaccurate. 

And 623 subsection ( D ) The term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

XXXX and US bank violates this section due to the fact an extensive packet was sent to XXXX and an extensive packet was done at a US Bank location which means, they receive this information in real time. This information contain police reports, identity theft reports, federal trade commission reports, and supporting documentation to validate that a unprecedented Fraud situation has occurred. Enough information was provided that a person could reasonably determine inconsistencies and errors that would prompt any reasonable person to not re-report this information. Plus, we can not forget that US Bank sent a letter stating that they did not have this information which means, they acted prematurely in violation of several federal laws. 

U.S. Bank and XXXX were also provided information from local and federal law-enforcement as well as government agencies stating and certifying that my personal information was being used on a multitude of levels including to file taxes to request government assistance and several attempts were made to obtain a XXXX loan without my knowledge or consent. All paperwork in which this bank ignored.

Section 623 Section ( 6 ) ( a ) and ( B ) responsibilities of furniture of information to customer reporting agencies Information alleged to result from identity theft. If it consumer submit an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such report stating that information maintained by such person that reports to relate to the consumer resulted from identity theft, the person may not furnish such information that reports to relate to the consumer to any consumer reporting agency. 

US Bank failed to review the fraud packets that were done at their branch. US bank reported information without first reviewing the fraud claim. Because of this action, US bank violated this section.

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 2021-01-09
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Phoneix Recovery Reporting Negative Collection account to Credit Bureaus XXXX XXXX and XXXX for an Account related to ID Theft at XXXX XXXX XXXX. Requesting Permanent and Immediate Removal and Discharge of Unauthorized Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We do not owe any debts to anyone and our credit rating is superior. 

When Midland credit management calls there is no one on the line therefore, we can not stop the calls. 

Midland credit management has called XXXX times in the past week. 
They call before XXXX and after XXXX. They sometimes call every hour for extended amount of time. 

We have tried blocking their calls but, they just change numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I started getting behind in my mortgage with Wells Fargo Home Mortgage. As a result of the Affordable Care Act, my Wife had her hours reduced to about 20 hours a week. I had been consulting with my Home Preservation Specialist, XXXX XXXX. She advised that a loan modification would probably be the best route. She sent me literature explaining various programs including a Modification that may extend my current mortgage of 21 years out to about 25 years and would reduce my monthly payment of {$1100.00} and to a more manageable lower payment. She took all my pertinent financial information. By XX/XX/2015 she had me set up with a trial period payment for 3 months of {$1100.00}. After a successful trial period, they would modify the mortgage with payments about {$840.00}. So, in order to make the trial payments, I had to stop paying XXXX personal loans that I had taken out to pay off some IRS debt. After the successful trial period, the best that she said her adjusters could due was extend the mortgage to 22 years to make up for my missed payments which totaled {$5700.00} making my XXXX XXXX payment {$1100.00}. I told her that was {$75.00} more than what I was paying before at {$1100.00}. She went back to the adjusters and allowed me to skip XX/XX/XXXX 's payment and modified the mortgage for a XXXX XXXX payment of {$1100.00}. I still felt this was not helping and is still {$3.00} more than the {$1100.00}. She basically said I had no choice and I could try to refinance with there refinance department. So, I signed the modification to enable me more time to try and refinance. After several inquiries to several mortgage lenders, including Wells Fargo, they told me that they could not help until I had at least 12 consecutive payments. The best Wells Fargo said was maybe six months with a VA loan for which I have a current VA Certificate of Eligibility. At this point, I felt I was ill informed that the modification would have reduced my monthly payment instead of increasing it. Now I am stuck, 5 months delinquent on the XXXX personal loans, and unable to refinance. I can not understand why Wells Fargo could have extended my mortgage out to 25 or 26 years where it would have lowered my payment. I feel that it was unfair for them to lead me into believing that the modification would have lowered my payment as explain in the flyer that they sent me explaining the program. And now as a XXXX American Veteran, I ca n't even find a company they would help me refinance

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 2015-05-06
Company: WELLS FARGO & COMPANY
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I paid my payment on time. Wells Fargo did not credit my payment to my account on time and than reported to the credit bureaus I was late on my payment. I have never been 30 days late on any payment to Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I filed a request to be refunded for student loan payments made during the COVID pause. The amount equals {$8400.00} for XXXX payments made from XX/XX/XXXX to XX/XX/XXXX. Nelnet the servicer for my loans said that I would be sent a confirmation email and further instructions within ten business days which would have been on XX/XX/XXXX. However, I have not received any confirmation or instructions to date. I called the servicer twice, and they can not provide updates or an expected timeline for my request confirmation or a refund. They just said it's being processed, but they missed the initial deadline dates given by the customer service representative when the refund request was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with XXXX, Equifax and XXXX XXXX collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: IL
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 not the originator of the item below. It should not be on my credit report. 


COLLECTION XXXX XXXX XXXX {$1000.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Respected Sir/Madam I transferred XXXX $ to XXXX using Western Union website on XX/XX/XXXX. The XXXX/transaction number is : - XXXX. Amount got debited from my account but amount not credited to the receiver 's account even after 11 days. I opened case # XXXX around 8 days back with them and did the daily follow up. Western Union told that their XXXX counterpart claimed that the amount was successfully deposited on XX/XX/XXXX. 
I told them that it's not true and in fact, I shared my bank statement with them on XX/XX/11 to prove that no amount was deposited to the receiver 's account. I am attaching the copy of the same, for your reference as well. 

Thereafter there is no response from them. Its been an uphill battle and I want my hard earned money back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME CLEARING THINGS UP.

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 2020-08-20
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Due to Covid 19 I didnt get a chance to go to court The car was supposed to be under bankruptcy In my wife name XXXX XXXX They reposed the car and I need some assistance please

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 2021-01-09
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr Cooper agreed to delay and defer payment on XXXX XXXX backed home loan. We were 9 months into the allowable deferment and sold our house. Mr Cooper insisted payoff amount be in full without deferment of missed payments ( due to mandatory Covid19 CARES Act relief ). This resulted in an overcharge on the payoff amount of approx {$19000.00}. 

Mr Cooper had previously agreed to extend the loan, not increase the principal, and collect the additional payments at the end of the term.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: COAST PROFESSIONAL INC
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A company named Coast Professional Inc utilizing an address of XXXX XXXX, XXXX XXXX, LA XXXX is attempting to collect a purported debt that if valid, would have been at least XXXX years old. Under California law, where this purported debt would have arisen, the Statute of Limitations ( SOL ) is XXXX YEARS. This appears to be a shake down by a shady firm who probably bought this debt for XXXX cents on the dollar and is hoping that people will acknowledge the debt and restart the SOL. This is harassment. I have responded them in writing, as requested by the shady company, that I do not acknowledge the debt and that I am reporting them to the CFPB. Moreover, in there letter, it states that if you do not dispute the validity of the debt in writing - they will construe silence as a reaffirmation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
TransUnion did not investigate any of my disputes. I submitted disputes to TransUnion about XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have contacted both companies and neither XXXX or XXXX XXXX has received any notice that I am disputing the entries on my credit report. I believe TransUnion is lying about actually investigating my complaint and the have NEVER sent me any proof that they were investigating. They also refused to put a 90 day alert on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
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: Information belongs to someone else

Complaint:
I noticed some accounts while looking over my credit report recently that are incorrect. These accounts are not mine and are fraudulent. I have not given access to my credit report to anyone so I do not know how this could have happened. Please investigate this issue and have these fraudulent accounts removed from me credit report so that I can obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: TX
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:
In XXXX Equifax deleted XXXX XXXX for {$940.00}. I checked my reports on XX/XX/2021 and seen that the account had been added back to my credit reports. I thought the credit bureau is supposed to send me a letter 5 days prior to adding this account back on my reports. Equifax never sent me anything. This account shouldn't be on my credit reports.

Company response to consumer: Closed with explanation