BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
DEPTEDNELNET They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). 
Dates : XXXX- c

urrent. 28 accounts that they have transferred to collections. Amounts are as follows : {$2000.00}, {$1200.00}, {$1100.00}, {$3500.00}, {$2700.00}, {$4000.00}, {$7900.00}, {$2300.00},
{$3300.00}, {$2700.00}, {$3500.00}, {$4500.00}, {$6000.00}, {$3500.00}, XXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Southwest Credit Systems, L.P.
State: DC
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX  XXXX XXXX  XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-07-27
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We had XXXX XXXX XXXX phone service at home for years, but it would stop working frequently. We notified XXXX XXXX XXXX about this problem on several occasions, but it would keep occurring and XXXX XXXX XXXX never fixed the issue. We ceased paying our XXXX XXXX XXXX bill, because we had no service, and now they have turned it over to a collection agency. We informed the collection agency, Credence Resource Management, to stop all communications and that we were disputing the charges. Credence Resource Management has ignored our request and continues to call my place of employment on a daily basis. They also refuse to identify who they are or the nature of their communication. Credence Resource Management, we believe, is in violation of federal and state ( Texas ) law when it comes to debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Capital One to ask them what do they do to help people in the Covid 19 crisis which they state on their website and they informed me that they are postponing payments a month and there will not be any fees or interest charges if I choose to request that. I did and my date of next payment was supposed to be XX/XX/XXXX. The rep cleared my autopay and said this was the only way to be able to request that one month grace period they offered. I logged in to my account and saw I was charged a fee for not paying on time. And this was when they told me they are taking care of this. So much for helping people during this crisis- they are in fact shamelessly charging them more. I knew when someone says they are doing something it`s not to be trusted. Well, the one thign he did though was to cancel my autopay, but how come he did not follow through and do the whole thing he said he will. I would not have put myself in a position to owe anymore to them if I knew he will trick me into this. I request this fee to be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-27
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover Financial Services refuses to refund me for an order that I paid for and never received. The order was marked as delivered with no images of delivery on XX/XX/XXXX. I contacted the company in question ( XXXX ) to let them know of this and that I would like a refund, as I was traveling soon and would not be able to receive a replacement. They refused, despite not have any written policy that says they are not liable for lost packages ( or ones that are not received ). When I questioned this, their response was that " Not all of our policies are explicitly written '', which is problematic. 

I filed a claim with Discover to dispute this charge. Discover, to my surprise, sided with the merchant after receiving a document ( that I could have provided ) that marked a timestamp for delivery. This is not proof that the item was actually received or even delivered to the correct address ( or even delivered at all ). Why? Because carriers oftentimes make mistakes. This wouldn't be the first time a customer of any company has had something delivered ... to only find that it's not actually there. Despite being a customer with Discover for 8 years and not filing a single dispute prior to this, Discover requested that I jump through various hoops to get this resolved ( XXXX, FTC, Attorney General, XXXX claims and complaints ). They did not require anything else from the merchant. This seems wildly unfair and problematic, because as my bank they hold the funds that I used to pay for this purchase that I, again, never received. 

I contacted XXXX to make a claim and they denied it saying that the merchant ( XXXX ) must file the claim according to their agreement, but XXXX has refused to do this. This leaves me with absolutely no recourse, and as a last resort ( my bank ) has denied me as well. This is ridiculous, unfair, and unprecedented. 

I am the Head of XXXX at two startups, and I file responses to chargeback every week. Every claim that has been made by a customer who says they have not received a package that was marked as delivered has ALWAYS been successful - meaning that their bank has NEVER sided with us, even though we provide proof of deliveries from carriers. Why is this not the case for Discover?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
UNABLE TO CONTACT EXPERIAN THERE NO PHONE NUMBERAFTER VIEWING MY REPORT I HAVE SOME QUESTIONS I WANT ANSWEREDIF THEY CAN PUT IT IN MY REPORT THEY NEED TO BACK IT UP, IF THEY CAI N'T THEY ARE HURTING MY CREDIT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
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 made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report. I also became aware of and informed that Well 's Fargo paid a settlement regarding this account on my behalf to my former Attorney. However my name was forged on documents, and settlement money was collected from Well 's Fargo on my behalf. My former Attorney asked me to sign one single document for one thing in the case, and my signature was attached to other future documents without my knowledge or consent. My former attorney never informed me of a money settlement with Well 's Fargo and kept all the settlement funds for himself. Despite me paying my former Attorney monthly payments to handle my case with Well 's Fargo and XXXX XXXX XXXX XXXX XXXXXXXX. My former attorney was playing a dual roll and Represented me as a defended in the case. While also representing Well 's Fargo as the Plaintiffs in the same XXXX County Illinois Chancery case XXXX -- XXXX. 

However Nothing was done in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX case and he only worked on the Well 's Fargo case keeping all the settlement money from well 's Fargo which is fraud scam.

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 2016-08-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I obtain my credit report dated XX/XX/2016 in correcting my credit. I have filed numerous dispute with all XXXX credit agencies of my residence, and information on my credit. I have also written the owners of the property in which I asked for more information on whom obtained residence in my name. I have not heard from the owner. So I have been continue to file disputes of this and credit agencies continue to have this on my record.

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 2021-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was turned down by XXXX XXXX XXXX and Equifax information was the reason. 

When I went online to pull my credit, Equifax would only show me an XX/XX/2021 and would not give me a current one. 

The telephone representative said she could not get me a current report and did not know what she was doing. 

Have them email it to me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance at the beginning of the pandemic. I am behind on 16 payments which amounts to just over {$60000.00}. When we were approved for the forbearance, we were told by the lender that the delinquent amount during the forbearance period will be added to the balance of the loan. After submitting the loan modification application per the lender 's request, they are not providing me with any home retention program as they say I was not approved for any and the only options provided to me are pay balance in full, short sale or deed in lieu. 
I am not able to pay the balance in full at this time but I am able to resume making the regular monthly payment and would like to keep the house as I am a senior citizen and this is our primary residence. 
Your response and help is very much appreciated. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
We need Fifth third bank to provide proof and tracking number - There is nothin they can proof that the check was sent to IRS except their letter. 
IRS doesn't have the check. 
We can not try to close without resolving this issues. This is the worst discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Herbert P. Sears Co., Inc.
State: CA
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 XXXX. Contacted HP Sears. 
On XX/XX/XXXX, XXXX to come to an agreement.No Agreement was made.Today XX/XX/XXXX XXXX XXXX XXXX I Call once again HP sears after a year.To make another agreement which I was on successful to make an agreement with them The agent that took care of my call was very unprofessional and rude.I explained to the agent that I was taking SSI.That if we can come in to an agreement of a payments every month. 
His answer was Because of the amount of $ XXXXI only can do {$350.00} One time payment I ask if we can do monthly payment he said he can not do that. I also mention if he was familiar with the Hyppa law his answer was yes. 
Im kind of concerned about this been in my credit report.I am willing to take action Responsibility.to get this resolved I believe there is accurate information in my account I will like to have this removed out of my credit report if there is in accurate information.

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 2021-07-27
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has prematurely, improperly, and unlawfully began and continued the foreclosure process including the foreclosure sale of my home and property. 

Bank of America 's motivation for the premature, improper, and unlawful foreclosure and sale is due, in part, to my refusal to accept the Bank of America settlement agreement with the DOJ and AG offer of XXXX XXXX, XXXX and the terms of the now foreclosed upon XXXX Deed of Trust changed requiring Bank of America to pay all property taxes and insurances on my behalf. What this means is until a settlement offer is accepted, the bank must continue to pay out on my account. It basically costs the bank several XXXX dollars a year on an account pending in the modification process where I am not required to pay monthly installments until the modification process is complete, as a matter of law. These two things, when coupled together, is why Bank of America chose to Dual Track and begin the foreclosure process before completing loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.

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 2021-07-27
Company: MRS BPO, LLC
State: IL
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:
My identity was apparently used fraudulently to obtain services and credit that I did not have knowledge of or authorize. I have not been contacted ever to apply for credit, authorize credit or discuss the credit by the company, bank or load provider or collections agency. Additionally, the only inquiry to my credit reports has been by collections agencies. The original vendors never made inquiry before granting fraudulent credit in my name. Yet, without any knowledge of these transactions or involvement with obtaining credit, the collections agencies add collections status to my report without contacting me in any fashion. Furthermore, the original collection agency was XXXX XXXX XXXX in XXXX. I disputed this in XXXX with XXXX It was removed. Now, another agency, MRS XXXX, is claiming the same debt ( same amount and same original creditor ) and will not remove the claim. I thought this practice was illegal. I want this to be removed once and for all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My date of birth is incorrect in my credit report. It has my date of the birth year as XXXX and I was born in XXXX. Anything that happened or that is shown on my credit report is not my responsibility. Plese make these corrections to show correctly on all XXXX major credit bureaus.

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