BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, As an XXXX XXXX, I opened a bank account and credit card with Wells Fargo in XXXX for a brief period of time. After learning of their malpractice, in a myriad of different offenses, I decided to remove my money from the bank account and terminate my services with Wells Fargo. I closed the account in XXXX, the same year I opened it. At the time of closing my account, I had a {$0.00} balance with the Credit Card at Wells Fargo. 

In XXXX Wells Fargo issued a charge off for the balance I " owed '' which indicates a {$0.00} amount. I have contact Wells Fargo Card Services directly in multiple attempts to get this resolved and have them accurately report my information to the XXXX, XXXX and XXXX credit Bureaus. In addition, I have paid a subscription with a 3rd party credit repair organization, XXXX XXXX. 

Wells Fargo has sent me letter after letter saying they couldn't process my request. First for my attempt directly with their Card Services and now several more with XXXX XXXX contacting them on my behalf. Still they remain adamant, with the exact same verbiage in each letter, that they can not " complete my request because we can not determine what specific information is in dispute. '' I have provided all my account information and every detail they require for dispute but continue to act as if that my information doesn't exist in their system despite the fact is it being reported to the credit Bureaus. 

I could never pay the amount I " owed '' because it is a {$0.00} amount but Wells Fargo is still reporting it as a negative item on their end. I have tirelessly attempted to resolve this issue because my credit score is negatively impacted by this charge off. 

5 years later, I am now in my late XXXX XXXX and attempting to get a home loan and this malpractice from Wells Fargo is impacting my ability to get a favorable and affordable mortgage rate. To add, I was a XXXX from XXXX - XXXX and Wells Fargo took advantage of my financial illiteracy at the time and now will not rectify this issue despite never having taken a financial loss with me as a customer. 

Please if anyone can help or point me in the right direction on how to approach this issue, I will take all feedback and suggestions. Attached is a letter of acknowledgment when I submitted my claim.

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 2021-09-28
Company: EQUIFAX, INC.
State: TX
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 XXXX  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 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I noticed earlier this year on XXXX XXXX that there was an inquiry from capital one on my XXXX credit report and I never applied for capital one this year. I had an account a few years ago in XXXX as an authorized account holder with my boyfriend but weve already closed the account and I seen it was removed from my credit. Then the account was actually added to my account, I first spoke to them ( capital one ) and let them know it wasnt me and they told me that I had to send in proof of the inquiry and account on my credit report and also write a letter stating what the issue was. I didnt think that was something I wanted to do because it was clearly fraudulent so I didnt do anything I thought they would pick up on it and remove it from my report seeing how Ive never dealt with this before. Then recently this month, it popped up again on XX/XX/XXXX that the account was now delinquent and it dropped my credit score drastically and thats when I contacted capital one again just for them to tell me the same thing and thats when I contacted XXXX to get the account off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
All of the accounts and inquiries listed below are fraudulent accounts and was opened without my consent. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  {$880.00} Acct # XXXX XXXX  XXXX XXXX {$130.00} Acct # XXXX XXXX XXXX XXXX {$880.00} Acct # XXXX XXXX XXXX  XXXX {$1200.00} Acct # XXXX XXXX XXXX  XXXX {$200.00} Acct # XXXX TransUnion Inquiries XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020

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 2022-04-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Today as I was trying to apply for a mortgage it was noted that I have late payments being paid to credit acceptance For my Car note I am in a payment arrangement with them but tht are reporting to the credit bureau that my payments are late and it is hurting me with trying to purchase my home

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 2020-04-06
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Just received another alert that XXXX put this account back on my credit report. This time, through a collection agency. I've told them repeatedly that this wasn't my account, have provided police reports, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just learned on XX/XX/2020 that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contacted  XXXX  by phone and they are refusing to allow me to access the money credited to me by  XXXX  currently on my account. I have contacted them multiple times by phone and they also are refusing to return the money to me by check or other means.

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 2015-09-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am the victim of identity theft. I submitted my police report, affidavit and items in dispute to Experian as they requested and the accounts opened due to identity theft are still reflecting on my credit report in violation of the XXXX that is supposed to protect me from this. Once I give them the identity theft police report, they are supposed to block this information from being reflected and they never did and still are not. They are not following the FCRA or our XXXX that is supposed to protect us from this. 

Experian even said that they contacted a creditor ( XXXX ) in XXXX that is no longer in business due to bankruptcy and is nowhere in the list of businesses conducting business in New York State.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been receiving medical bills monthly and phone calls for over a year, stating that I owe money for XXXX XXXX provided. I have my health insurance EOB 's for all dates listed that show the patients responsibility is XXXX. I have sent them copies of my EOB 's via the mail and email, but they say that they have not seen them. The are threatening to send the information to collections and damage my credit. I have also contacted my insurance company several times on this issue and they said that I do not owe this money. My insurance representative has also called them on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and relayed to them that the I do not owe the money, but they keep saying that I do. 
I am listing the dates and amounts that they are asking for below : XX/XX/XXXX {$420.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$210.00}

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 2017-01-14
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My son received federal student loans while attending college at XXXX State University. The problem is that before the loans went into repayment while he was still attending college, the service provider Nelnet, compounds the interest. This makes it nearly impossible to repay the loan timely and get the principal paid. Last year, he made approximately $ XXXX in payments, and over $ XXXX was interest only. These are ffderal student loans, why does the government take advantage of our students. May be legal, but it 's not ethical. In addition, statements and Nelnet in general is hard to deal with and nearly impossible to get information that makes sense. 

Son # XXXX is currently in college at The University of XXXX, and I 'm trying to make occasional payments to his federal student loans being service by Nelnet. I 've asked that the payments be applied to the interest so that when he begins repaying, the interest burden is n't so bad. Nelnet applies the payment to principal so that they can continue to compound the interest. 

Nelnet statements and information provided about a student loan is very misleading and confusing. 

Please audit and Nelnets practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I finished school in XXXX. My first complaint is aes customer service reps do not help the borrowers find the best repayment plan and they withold information. They are typically not even knowledgeable about loans and accounts and repayment. I have often received a cut and paste answer that never answered my questions. I started making payments in XXXX and was about {$31000.00} in debt. I was never told about the income based repayment plan and for the first 4 years I paid large payments and for less than a year I was on unemployment deferment. Then a co-worker told me about income based plan. So I applied and it was a process and I paid so far ahead I was in paid ahead status so I had to write a letter saying to remove the status. First off they say your loans " may be forgiven '' after XXXX years. I am furious my first XXXX years do n't count towards the XXXX even though I paid so much. When I start paying in XXXX I paid down my interest. I recently found out my loans accrue {$110.00} of interest a month and my {$100.00} payment obviously does n't touch the principal. I was told the payment would be disbursed to interest then each loan even if just a few dollars. I find out that I have {$2000.00} in outstanding interest and I do n't understand how. Also when I reported my interest for taxes in XXXX I paid {$1100.00} and in XXXX I reported {$770.00} so my income and payment was very close but how the XXXX did I pay so much more interest in XXXX? I have been paying loans for almost 6 years and I am steady {$30000.00} in debt. I paid off XXXX XXXX and a XXXX loan so that was like $ XXXX XXXX and I paid at least {$7000.00} to aes yet my balance only dropped to slightly below {$30000.00}? This is insane. Clearly there is an issue with income to debt ratio and something is n't right. I feel I am being taken advantage of. I know I borrowed the money but I regret it big time. I wish I never went to school. All I am saying is I had to figure the loans out on my own since I was XXXX with no guidance. I am XXXX and would like a fair shot to pay these loans off without the interest jumping every time I turn around or not being properly warned that the income based plan is the worst plan for someone and not helpful as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today on XX/XX/2021 I got an e-mail from AmEx saying they were closing my account. When I called them they said the reason they did so was because I has serious delinquencies on my record. So if said serious delinquencies were a thing on my record why did they even give me a card in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX XXXX XXXX is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XXXX because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). XXXX did not object to the discharge order. 

Finally, this note was falsely labeled by JP Morgan Chase as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Fed Loan Servicing My forbearance ended without my knowledge. I was not made aware PRIOR to the forbearance ending. They communicate through their internal website email, not through my personal email address. They will send a notification email ( sometimes ) to my personal email to state I have an email in their internal website email system. 
Fed Loan Servicing did not contact me through calls, emails to my personal email, nor physical mail. I asked for all communication to be electronic, but once the forbearance ended abruptly, I would think that Fed Loan Servicer would communicate with ALL other forms of communication to avoid late payments. 
Then, they reported to all three credit bureaus, that I am 90 days late as their First reporting. I have called to make payment arrangements, but they have NO tolerance or lower repayment structures for me because they state my income is " too high ''. They do not take anything else in account except the income ... .not family size, debt to income ratio, or any other circumstances. So, I still ca n't pay the loans. 
I asked for a print out of the communication that they state they made during this time-frame. They will not supply it. The communication they claim they made was all AFTER the forbearance ended abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with Experian, XXXX, and XXXX stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. Experian along with XXXX sent me a email stating the information was Valid! It will remain until XXXX.

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 2021-09-28
Company: EQUIFAX, 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 information incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I co-signed for a private student loan for my daughter in law and when she filed for bankruptcy, the loan obligation transferred from her name into mine. The loan obligation to the loan was reinstated inadvertently to my name - according to AES. At no time did I receive a phone call or letter regarding this issue and as of XXXX XXXX, this started to appear on both of our credit reports, causing catastrophic credit issues. This loan has been past due since XXXX without anyone 's knowledge until XXXX. The past due balance is more than either party can afford and after months and months and several attempts to resolve and issue a feasible payment arrangement with AES, we are still being told there is nothing that can be done. We were told that AES will reach out to the original lender ( which is no longer active ) to see if they can work with AES to resolve the past due and bring the loan current but we still have not received an updated status and we have been calling weekly. We would like to pay on this loan and move forward but we can not find any help. We just bring the past due balance current and remove the past due fees that have applied due to the fact that AES never informed either party that the loan was reinstated. My daughter in law has been paying current loans with AES timely and was never informed that this loan was past due until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XX/XX/2017, Received a phone call from a woman named XXXX she called from XXXX from XXXXX WI. She told me that she is trying to delay the warrant for my arrest. That I should call Chief Investigator XXXX Phone number XXXX and provide him with this case number XXXX. In fact, XXXX XXXX calls me at XXXX on XX/XX/2017. Tells me that they will be coming out to my house to arrest me at XXXX. XXXX, WI that may also take a while to have a judge see me due to my past record having Theft record, I said that was dismissed, I did not do anything. But if I want to take action in not going to jail. That I would have to pay {$1500.00} that he is going to transfer me to a person who will give me what I need to pay. He transferred me to a woman XXXX, she provided me with the information XXXX & it would go to XXXX. The Account number is XXXX, Routing number XXXX. I would need to call XXXX after the transaction is complete. So I call my attorney he advised me not to pay, Investigator the money. The Attorney did find any type of complaint filed. Also, the attorney stated that this was a new way to scam people for the money if he does call back. To ask him to send me a bill. As I was talking to the attorney I received a phone call from my cell I answered it and XXXX he called from this phone number XXXX XXXX County Sherriff he was going through with criminal complaint at the sheriff 's station.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XX/XX/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation