BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Westlake Services, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Westlake Portfolio Management is reporting this account XXXX as opened and delinquent when I refinanced my vehicle with XXXX XXXX XXXX XXXX and I have been making payments with XXXX. I called Westlake Portfolio Management to confirm that this account XXXX was closed and they confirmed. As of XX/XX/XXXX they are still reporting to the credit agencies as open and delinquent which is affecting my credit significantly. I wanted this account closed and removed from my reports.

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 2023-09-14
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was banking with Chase. They said I had XXXX in an account. I tried to get it transferred out and they asked where the money came from. I told the. My buissness. They then said my account was closed and they would mail me a check. I never received any check or further response from them. I have about XXXX of funds they have not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Nelnet, Inc.
State: CA
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:
This is a continuation from my last complaint submitted XX/XX/XXXX ( ID XXXX ). 
Originally Nelnet responded by refusing to rescind my IDR application that was wrongly sent and processed during the COVID forbearance. Later, after another feedback, they realized their mistake and sent me a physical letter stating my IDR application was cancelled, and my monthly payment will be {$270.00} starting XX/XX/XXXX through XX/XX/XXXX, until my next IDR recertification date. 
However, my Nelnet account continued to show a payment amount of {$2000.00}. 
I emailed Nelnet on XX/XX/XXXX requesting for an update, which they never responded. 

I called Nelnet on XX/XX/XXXX, was told my account will be updated in 3-5 business days. I called again on XX/XX/XXXX, was told it will take another 2 weeks. 
On XX/XX/XXXX, I received my billing statement from Nelnet, which still showed the wrong amount of {$2000.00} to be due on XX/XX/XXXX. 

The level of gross incompetence and complete lack of communication is unacceptable. To them, this may just be a number. However, to millions of student loan borrowers, this directly affects their livelihood, and the amount of psychological stress and frustration with the entire ordeal can not be quantified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: ID
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:
My social security number is being used by someone other then me. There have been 40 inquirys made not one by me bank accts open. Also some other items on credit that are not mine

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 2022-07-29
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Being new to Georgia, I sought potential lenders for a mortgage, and went with my agent 's lender. Silverton Mortgage, XXXX XXXX, was the loan originator and Vanderbilt Mortgage is the servicing company. From the onset, we express our desire to lock in at the lowest rate, pay off debt, and be provided the best loan product and advice that Silverton had to offer, as we did with others lenders we sought to go with. We were told by XXXX that she had our best interest at heart, and we were in good hands. When asked to lock in a 3.5 % rate, XXXX told us that she didn't lock her clients rates early because she has several years of experience and she would tell us when we should lock in our rate. We asked for all documents and disclosure, docusign documents, credit rates and scores used to determined our loan, and we have yet to receive them. We were told that our credit report and scores were pulled twice and was told that the updated score was XXXX. Come to find out, our score was only pulled once on XX/XX/2022, so she lied. We were told not to payoff different accounts ; and, yet we were ultimately charged with and {$11000.00} buy interest down fee, and we want it back. Also, XXXX stated in an email that she doesn't keep her clients documents, so she couldn't give us requested documents. We asked for the documents that the underwriters use, and still today, we have not received them. I have communicated with XXXX, from Vanderbilt Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left a message for XXXX XXXX of Silverton Mortgage. I have disclosed concerns with XXXX early on in the process. The home was priced at {$440000.00}, and to win the bid, we bided up to {$30000.00} over asking price. We asked that the {$30000.00} be added as an addendum note in closing documents because it was going to be paid outright, and not financed into the loan, or wasn't the price of the home, but XXXX stated that she could not do that. I have different correspondence to support what I'm saying.

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 2023-09-14
Company: Diverse Funding Associates LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a follow up complaint to an initial complaint. 

On or about XX/XX/XXXX DNF associates placed a trade line on my XXXX credit report. 

After disputing through several agencies the company responded that the line item was due to a XXXX XXXX credit card - allegedly taken out XX/XX/XXXX, with no payments made, closed XX/XX/XXXX. The debt was sold to XXXX associates XX/XX/XXXX. 

The FCRA regulations are clear that the date listed on the credit report should be the date of delinquency. The account is listed as opened in XX/XX/XXXX. In the response from my other complaint the company clearly indicates the account was opened XX/XX/XXXX, and with no payments made the date of delinquency would be 30 days after XX/XX/XXXX. 

DNF has changed the date on the account to park the debt. The date on the account should be changed to reflect their own records of XX/XX/XXXX as the open date and the delinquency date of XX/XX/XXXX. 

Debt parking is illegal. Fraudulently and knowingly reporting incorrect information to the credit bureaus is illegal. DNF should be investigated for debt parking.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: CT
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-06
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014 my identity was stolen. Since then I have been trying to recover from the identity theft. I recently found out there is multiple credit cards, loans, car loans, and bank accounts in my name. I have filed a report with the XXXX XXXX XXXX XXXX XXXX case # XXXX for identity theft. They recently advised me that they do have a suspect that is using my identity. I did not give permission for this person to open up accounts, use my name, use my date of birth, and social security number. I would like my credit report to be cleared from those debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are multiple discrepancies on all 3 of my credit reports. I had my identity stolen in XXXX and there have been bank accounts opened in my name, fraudulent checks ordered, and likely more.

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 2023-11-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XX/XX/XXXX at XXXX XXXX XXXX  I deposited money at Chase Bank ATM The ATM malfunctioned ate some of the money and spit out some i deposited {$4300.00} but spit out XXXX And screen said Out of service and didn't give meReceipt and lost {$2500.00} I immediately went inside the Branch notified the Banker and explained to him what happened he said to me it happened to the other customer on Saturday and he will take care of it he tried to reach Credit card department he was un able to get some one at the time and it was late he said he would call me in the morning next day he called me next day they credited me {$2500.00} the amount the atm ate After one month the took the money back at XX/XX/XXXX and i went back to Branch and spoke to bank employee and they called customer service and again they put money back and credited the {$2500.00} And on XX/XX/XXXX they took the credit back and i called the credit department and they said talk to Branch manager and went to bank and spoke to branch manager he said he would escalate to fraud department and the will contact me. A week later some called me asked me what happened and she said should get back to me and she called me bank and she said nothing she can do go back to Branch mananer and see i f he can check the camera and i went back to and saw bank manager he told me he will call corporate security see if they can check the camera i called him and he said they need police report in order to check the camera i went to police station and spoke to officer and he told me is civil matter and they don't check camera and go back to the bank i went back to bank and bank XXXXnager was not there and i saw assistant bank manager and explained what police told me and she called chase security if they cant check the camera but they told her they needed police and manager said she will try to call the police herself and would get back to me any update And heard anything about two weeks today on XX/XX/23 i called the bank and spoke to bank manager he told me he cant do anything and he cant review the camera and i can go to court The gave me ran around for three month and they have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
attached is the letter i sent to the credit bureau Experian I am writing to express my extreme dissatisfaction with the utterly erroneous information currently tarnishing my credit report, which I firmly believe is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Upon a comprehensive review, I have uncovered egregious inaccuracies in the following accounts : XXXX XXXX XXXX Account Number : XXXX Status : Collection XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed and Paid Off XXXX XXXX XXXX Account Number : XXXX Status : Collection/Charge Off XXXX XXXX Account Number : XXXX Status : Collection I assert vehemently that the reporting of these accounts is not only incomplete but shockingly inaccurate, constituting a severe breach of the FCRA. Accordingly, I demand the immediate and unconditional removal of these accounts from 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 2023-09-15
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 {$230.00} I tried to dispute .I dont recognize the account or company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
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:
These hard inquiries are unauthorized! I never gave consent to any of these. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: NV
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:
N 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a private student loan with Navient. I had been making monthly payments since I left school. Navient never postponed any payments even during the pandemic to help us get through difficult times. Navient has increased interest rates on the loan twice over the last XXXX months. When I called and asked about the interest rate increase, they told me I have signed a contract with a variable interest rate which I am not able to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$390.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit 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:
I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX XXXX made on XX/XX/2023 in the amount of {$250.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.

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 2022-06-08
Company: Genesis FS Card Services, 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 in regards to the items on my credit report and it's been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
N 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any verification of debt or reply. Company violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX inquired on : XX/XX/2023 Reason : the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on : XX/XX/2023 Reasons ; the inquiry was not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized XXXX. XXXX XXXX XXXX box XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/2023 Reasons ; the inquiry was not authorized

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