BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-18
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
During the process of trying to set up a repayment plan with my collector, XXXX XXXX at Performant Recovery Inc, I had to end the phone call on XXXX XXXX, 2016. I informed him that I would call back when I had the time to talk and go through the rather lengthy process of providing all of my financial information needed for the plan. 

Not long after ( XXXX XXXX, 2016 ), XXXX calls my employer looking for me ( I never provided this information nor gave permission to do so ). Furthermore, I never received any phone calls from XXXX since our last conversation on XXXX XXXX. I have shown no signs of evading this loan and have shown willingness to set up a payment plan. 

On XXXX XXXX, upon being notified from my employer, I call XXXX. Frustrated, I ask him why he calls my employer and he tells me that he has tried to contact me multiple times. Rather than hearing my complaints, he tried to minimize the situation and bring the conversation to the focus of paying my debt. When I told him that I would be willing to proceed if he can furnish proof that he has called me ( so that I could confirm with my phone carrier ), he fell silent and " did some research '' to say that he was wrong and he never contacted me. 

Now I am put at risk of losing my job or being perceived in a negative way at work due to this incident.

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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 non-monetary relief
Consumer complaint received 2020-06-09
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Is still reporting that I have a balance on my XXXX  and XXXX  reports and they are not reporting that I have a XXXX Balance on these reports. This is not the first time that XXXX has been caught reporting illegal things on my report. First its late pays and now incorrect balances. This card has been paid off and should be reporting the bureaus as such. Straight violation of the FCRA.

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 2016-04-29
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have initially been improperly notified of a debit not only being transferred, but I was sued without being given the demand letter after asking for a copy multiple times. I had a pretrial conference date originally scheduled XXXX XXXX, but it was changed to XX/XX/XXXX. Upon requesting the minutes from the court session on XX/XX/XXXX, it was stated on court issued documents " DATE OF XXXX/XXXX/16 GIVEN BY THE CLERK IN ERROR. ATP WILL DO AMENDED NOTICE OF NEW PRETRIAL DATE ''. On XXXX/XXXX/16, I received a judgment from the XXXX XXXX county courts contradicting the court minutes to reschedule the pretrial date. As has been the case with the plaintiff, they are not following the rules or keeping with what they have told the court they will do. I would like to see my court case that was held in error ( per the clerk ) be vacated so that I am able to have my day in court. Once agin, I want a copy of the demand letter that I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: CA
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. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: CA
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. I am filing this compliant for misleading false reporting 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 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2016-09-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom this may concern, This is a follow-up to my previous letter sent to Experian on XXXX XXXX, 2016, which to date has not yielded a response. 

I am writing today because the address information on my credit report in inaccurate and this is causing me substantial headache when managing accounts at financial companies. 

Please update my address to : XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I have been living at this address for over 4 years. 

Further, to avoid confusion with banks, please remove any other addresses or mark them as " former addresses '' if possible. 

Attached is the necessary identification, pursuant to XXXX XXXX XXXX XXXX, that establish proof that this account is mine and that the request for modification on my credit report is true and accurate.

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 2021-12-29
Company: AMERISAVE MORTGAGE CORPORATION
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband passed away on XXXX XXXX, 2021 and was sole owner of our marital home. I promplty notified the mortgage company the week of his death. He left the property to me in his will, which was probated. The property Deed is in my name. The VA backed mortgage is not, however I have been confirmed as Successor in interest. All documents pertaining to my right to assume this mortgage were provided to the company, including Letters of Testamentary, the Will, the Deed in my name, personal identification, death and marriage certificates.

Amerisave Mortgage Company refuses to put my name on the Mortgage and is demanding that I submit a new mortgage application. As the sole owner of the property by inheritance, as surviving spouse and because this is my personal residence, this appears to be in violation of the Garn St Germain Act, and the fact that the Ability to Pay rule is not applicable to the transfer of the contract. 

The mortgage is current. We/I have never missed a payment or been late and at present I am not seeking to refinance or otherwise renegotiate the terms of the contract. I simply want the mortgage placed in my name. 

I have been in regular communication with the company, and on XX/XX/2021 received the letter requiring that I submit the new mortgage application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off my debt in full with XXXX bank you has REMOVED this account # XXXX from my credit report completely. Now Unifund - a VERY AGRESSIVE AND UNETHICAL COLLECTION COMPANY - NOT LICENSED IN CALIFORNIA is attempting to rudely collect on the paid in full debt on behalf of XXXX bank who states NO SUCH account is in their system anymore! 

UNIFUND LLC XXXX XXXX OH XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : Account Owner : Individual Account. High Credit : {$18000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Open Credit Limit : N/A Terms Duration : Terms Frequency : Date Opened : XXXX/XXXX/XXXX Balance : {$18000.00} Date Reported : XXXX/XXXX/2016 Amount Past Due : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Credit Card Receivables Fund Incorporated
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 I attached my Id docs. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: CA
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 am applying for a mortgage. The mortgage company had no problem getting my XXXX and XXXX credit report but can not get my Equifax. They are told the credit file is frozen. 

I called Equifax 3x and thy said there is nothing wrong with my account, it isn't frozen and all my personal information is correct. 

Now I can not get the mortgage because they need the Equifax report. 

What am I supposed to do. Can you make Equifax fix this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 've requested documentation regarding the Overdraft Fees reported to XXXX and they refused. They are withholding important information I requested because I contacted Office of Comptroller and Currency. I told XXXX Chase can not withhold information from the customer accounts. According to FCRA, they have to provide derogatory information they supplied to XXXX. 
On XXXX/XXXX/16, XXXX XXXX told me " Since you reported J P Morgan Chase to Office of the Comptroller of Currency, they would not provide the information ''. XXXX refused to provide the information she called me about. In addition, XXXX told me they got my online request to close the account and they did not close it because there was a pending transaction. I stressed to them that I am a victim of Identity Theft so closing the account would avoid further overdraft fees. I asked XXXX the same question and she said " the account at XXXX are all fees '' then contradicted what she initially said " the accounts not on XXXX are the accounts with overdraft fees. I still do not understand why they would hold overdraft accounts for 2 years then place it on XXXX. 

I would like bank statements from each account including paid off accounts. J P Morgan Chase would hold deposits to accrue NSF Bank Fees to make more money. Then have their collection department harass the customer. J P Morgan Chase has refused to provide information to clear up this issue. As a previous Chase Manager with a team, I know all the representatives in the call center and in the branches have a set quota for opening checking account and other products. If they do not meet the sales goals, they are placed on Corrective Action or terminated. Inside the bank and sales department were opening accounts and customer did not authorize the opening. Therefore, in an effort to meet goals they apparenting do not check their resources such XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2016-06-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/16 someone wired our money out of our checking acct.online. I received an e-mail on XXXX/XXXX/16 from the bank that I had changed my password, another that I had changed my phone number, another that I wired money out and there 's a XXXX.The amt.was XXXX wired to XXXX Bank.The bank would n't talk to me on the phone, I did n't know the password! I went to the bank and reported.I closed that acct.and opened a new XXXX without online access.I reported to the police. I was told they would refund my money within 30 days, but usually within 10 days.We had this acct.almost XXXX yrs.We are XXXX, this is our only money.I had paid bills that day.Those payments bounced, late fees are now due, I had to spend money designated to other bills to pay these returned bills.Electric co.requested it in writeing .I asked the bank manager to give me a statement that it had to be closed & is under investigation.NO, would n't give me it.I have not received any information at all.Now, besides the late fee, I must go pay cash in person for 1 year as I paid them on a closed acct!! I had to use my car ins.money, now I could lose my cars! This has been a nightmare!! I have been to the bank several times.I get no help.All they say is " it 's under investigation '' .This is ruineing us! My husband has serious XXXX XXXX, this is hurting us physically.We need help!! I was told the bank had 3 days to notify us of findings to date.We begged, could n't get anything.And that the bank had 10 business days to investagate, and then should refund us all but XXXX while investigation is ongoing.We desperately need our money now.We have late fees pileing up, we ca n't pay.I ca n't pay anything on time as I 'm still trying to catch up. We can pay our bills, but it takes all our money.We do n't have an extra XXXX to spare while the bank takes it 's time investigating.We need help!! I 'm so surprised and disgusted that the bank would treat us like this. They gave away my money, changed my password, phone number, address, without my knowledge.And now I have to beg for my money, and they could care less.Please, please help us ASAP!! Any help is greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: LA
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:
This account is ilegally reporting on my credit record, This collection is violating my privacy and the HIPPA Law. I would like for this collection to be removed from my credit record within 21 days. Thanks

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 2015-04-15
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to receive my annual report and was unable to process it from experian, this is the same if I try to dispute an item. I believe they are trying to keep me out of my report. I can not speak with anyone as there is no customer service number. when I call the number listed is just a message about paying for a credit report. I have no issues accessing any other credit reports ( XXXX/XXXX ) I would like to know why they are keeping from viewing the information they hold about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have auto payment scheduled where my bank is paying my mortgage payment to BSI Financial Services. Payment is due on the first of the month so my bank cuts the check a week before its due, dates on the first of the month. Received mortgage statement today stating I missed XXXX payment with {$80.00} late fee charge. I contacted my bank which said check was mailed on XX/XX/23 but BSI cashed it on XX/XX/23 which is out of courtesy time ( 2 weeks ). Called BSI and asked to have late fee reversed which I was not promised that it will actually happen. Agent did say that BSI was having problems with getting their mail!! How is that OK to charge late fees to customers when it was their issue and problem. Also why did they not contact us regarding not receiving payment? This is such a bad scam and terrible customer service, charging customers for their issues!!! Ive lost all my trust to BSI and wish we could change mortgage company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After contacting Nelnet student loan servicer multiple times they are continuing to report XXXX student loans as 120+ days past due after a credit repair agency requested the loans that were once XXXX XXXX loans be removed because this company no longer exist. Also a loan consolidation was done for these loans and they were reporting as paid until the removal request and now all of them have a current status as 120+ days late with derogatory comments. Lastly there are about XXXX student loan accounts that are on my credit report and more than half of them have no reporting status just occupying space on my credit report as collection accounts. I have called Nelnet several time for them to tell me they have no idea what I 'm speaking of, until finally a representative stated there is a credit reporting department that does not accept phone calls and I just have to wait until someone gets back to me. After I replied how can they fix a problem they keep denying is there but are clearly reporting to the credit agencies. I have called XXXX and can never get a live person and for the past few days there on line dispute center is a technical problem and XXXX claims states I ca n't print a report until my dispute process for a prior issue is resolved. I do n't where to begin to try to fix this issue. I keep getting the run around from Nelnet and waiting as everyday my credit is taking a huge hit from the multiple student loans that are reporting 120+ days late. I have already been denied for an Fha loan.

Company response to consumer: Closed with explanation