BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: MA
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:
Please see the attached documents as it includes my complaint and identification.

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 2022-08-09
Company: ERC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT NEED TB BE REMOVED RESULT OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX closed for committing fraud on peoples loans. They were overcharging and pocketing the money. I was lied to by admissions staff and I feel like I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am not getting amount of {$300.00} from the XXXX XXXX though he has paid via wise. He has made two transactions : XX/XX/2021 -> {$150.00} -> Trace ID XXXX XX/XX/2021 -> {$150.00} -> Trace ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect on my credit and it has been well over 30 days and I have not received any investigation results at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing more!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Mortgage Company 1. Paid off {$35000.00} in two payments at end of XX/XX/2018 and beginning of XX/XX/2018. 
2. Requested company adjust payment due on Adjustable Rate Mortgage Loan on future payments reflecting reduced principal on XX/XX/18, XX/XX/18, and XX/XX/18. 
3. Company sent information saying issue will be resolved by XX/XX/18. It was not. 
4. Mortgage company has continued to withdraw the incorrect payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: LAND HOME FINANCIAL SERVICES
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been awaiting a Lien Release from XXXX XXXX XXXX XXXX XXXX ever since the buyout from XXXX XXXX XXXX, XXXXsince XX/XX/XXXX2013 and would like to find out what I need to do to obtain this information. I have already contacted XXXX and they state it needs to come from XXXX XXXX XXXX XXXX XXXX 

I would like to have this matter solved soon. This has been an issue when one company sells out to another and does not take responsibility for the customers needs that should have been taken care of originally.

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 explanation
Consumer complaint received 2019-01-03
Company: Synerprise Consulting Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company came up on my credit report. Then I received a letter from this company in XX/XX/2018 after it was noticed on my credit report.I have no contract with this said creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
NELNET IS A STUDENT LOAN COMPANY. THEY ARE REPORTING THE SAME DUPLICATE ACCOUNT ON MY CREDIT REPORT OVER 10 TIMES. I ONLY HAVE ONE ACCOUNT WITH THEM BUT THEY ARE REPORTING THE SAME ACCOUNT OVER 10 TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: EQUIFAX, INC.
State: MS
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: Problem getting your free annual credit report

Complaint:
XXXX years ago I could access every report I wanted present time today I can not access all of my credit reports and I keep getting the runaround for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
According to my Chase card statement, my payment of my {$1100.00} balance went through on XX/XX/23, after which my balance was {$0.00}, on the same day, XX/XX/23. I was then charged {$22.00} in interest on XX/XX/23, the day after my balance was {$0.00}. I am complaining that I was charged interest after my balance was {$0.00}. A {$0.00} balance should incur no interest. 

I tried calling Chase customer service to request a refund of the {$22.00} interest charge but was told by the representative that there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: GA
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 have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX  - EquifaxXXXX XXXX XXXX - XXXX  and EquifaxUnknown account - XXXX on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint refers to Account # XXXX opened XX/XX/2011 This account is now over 7 years old and should be removed from mt credit report in all 3 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
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Good morning. 

I was part of Equifax 's security breach. All I wanted to do was " opt out '' of Equifax 's ID Notify transfer of services to XXXX. I don't remember ever getting this notice. The only notice I received was to Enroll. See attached documents. Note that Equifax said you MUST Opt Out in order to prevent them from " sharing '' your information with XXXX. They should never be sharing any information with anyone and it is a privacy scam that I have had to spend so much time to no avail in order to Opt Out to prevent my confidential information from being shared. 

Here is the audit trail of what both of these credit reporting companies put a customer through with their intentional pingpong of phone numbers : 1. Called their listed website Opt Out Id Notify number on XX/XX/XXXX. The number listed as XXXX. 
2. Then I was told I had to call XXXX. Spoke to XXXX. XXXX said she was the wrong person and passed me to .... 
3. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX at XXXX PST. She passed me to .... 
4. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX from XXXX PST. She passed me to ... .. 
5. XXXX AGAIN ( see # 2 ) where I spoke to XXXX at XXXX. XXXX said she could do nothing and then transferred me to some number where I have been on hold for 20 minutes ( the wait was 90 minutes ). 

This is a game by credit reporting services to prevent a consumer from easily opting out of private information sharing between these Credit Reporting Companies. 

Can you advise me of a specific name and number where I can get this resolved? 
Can the CFPB do anything to prevent this horrifically poor Equifax-XXXX customer service scam from happening to other consumers? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: FL
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 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not 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 2019-09-17
Company: BlueChip Financial
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I did not apply for a loan. I do not want a loan. I keep requesting this company stop the unsolicited contacts.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car got totalled. The loan was paid in full except {$1000.00} They closed the account XX/XX/2018. It shows as a chargeoff account however it still shows a balance of {$1200.00} and I am being reported late each month

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 2023-08-19
Company: EQUIFAX, INC.
State: OH
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:
The credit reporting agency is XXXX. 

Credit score decreased XXXX points without any changes to the credit file. They have provided potential lenders with an inaccurate assessment of my account : Proportion of balances to high, revolving credit utilization, the utilization is at 0 % without any revolving credit. 

Too many accounts with balances, I do not understand this as 90 % of my accounts hasn't received a late pay dated since 2006. Payment history should be reflected as reliable and low risk. 

Serious delinquency, the creditor has failed to remove errors with the accounts via previous disputes, and medical collections listed should have been covered by medical insurance without any financial liability. However there is a XXXX  XXXX account that was closed and excessively charged due to deceptive practices and unfair lending with great history. I haven't filed a complaint yet. 

A significant portion of these collections are very old and should have very little impact. 

They are not reflecting my credit report the same as other XXXX XXXX and I am being XXXX discriminated against in lending because of it. 

Lastly with thr amount of errors and inconsistency in lending slacross the board I demand for those inquiries to be removed as it was not a fair credit assessment and with all 3 reporting agencies. They need to correct the credit report and remove disputed items, and unauthorized inquiries and fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company Mr. Cooper took unauthorized payments out of my bank account multiple times over resulting in financial stress for a number of days. Their customer service has been nonexistent telephone numbers are busy or they dont answer Ive tried for at least XXXX hours to call him with no luck. I fear that theyre going to do this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I have tried to connect with XXXX to help save money and prevent overdraft and it says that they can no longer link the accounts due to PNC not letting it happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$740.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: COMMERCE BANK
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just want to convey my displeasure with some things going on with my checking account at Commerce Bank. I deposited a check on XX/XX/19 for {$840.00} and had planned to pay some pretty urgent bills with it, only to get told after I deposited it that there was some kind of hold placed on my account that wouldnt allow me access to the funds for 7 business days, which actually would be roughly 2 weeks because of how the days fall on the calendar. I didnt understand that and was not aware of this banks policy on that kind of stuff, so the clerk that helped me said shed talk to her manager to see about getting that hold lifted. A few minutes later, she called and said that wasnt possible because Ive had too many overdrafts in the past. 

I totally understand if thats this banks policy, but I was not warned about this and I recently deposited a check the previous week and was not told about this. This makes it EXTREMELY tough for me to avoid future overdrafts because my funds are being kept from me to be able to pay some bills on time. I have to imagine SOMEONE there sees how counterproductive that is to customers, like me, who have had some financial struggles and are trying to make sure they dont happen again in the future. It is not fun to pay {$37.00} extra dollars in fees to overdraft and its only hurting me, so to not allow me to have access to money made out to me to keep overdrafts from happening makes absolutely no sense. Had I had some kind of warning about that in the past, I couldve tried my best to fix that issue, but today is the first of me hearing of that. 

I then called and spoke to an assistant branch manager, since the actual ones were too busy to deal with their customers urgent needs, and asked if I could have some kind of letter sent to me that explains these policies so I could better understand them and make sure they didnt happen in the future and she said no, that was not possible. The refusal to provide customers with important information that helps them stay financially responsible is just wrong and shows that the bank likely doesn't have an actual policy on placing holds on people 's accounts. They do so arbitrarily without taking the time to talk to customers and figure out the circumstances. 

Up until today, I had no problems with Commerce Bank and appreciated everything that had been done for me over the years. I have no idea how long Ive been an actual customer, but todays treatment definitely has me considering other banks. I dont ask for much, I dont ask for handouts, and I have never asked for special treatment, but I would think in these extenuating circumstances when Im trying to tidy up my financial issues so that I dont cost myself overdraft fees that someone at this bank would understand that, show some care, and help their customers. That was not the case today and its disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my remedy, as a consumer and the original creditor. 
On XX/XX/21 I went to XXXX XXXX XXXX XXXX to purchase a vehicle. I did not realize until a few days later that I was false or misleading representations by the sellers at this organization. Based off XXXX XXXX XXXX I should have been given disclosure of obligors right to rescind. That did not happen, and I feel very deceived and taking advantage of. Based off 16 CFR 433.2 ( b ), the following statement should have been on my contract bolded in ten point font. This Notice was not on my contract either, which in sense voids this contract. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
The following should have been on my contract bolded in ten-point font. This Notice was not on my contract either, which in sense voids this contract. One thing after another that makes me feel like a fool and fully taking advantage of. 
Since then, on XX/XX/21 I submitted documents for billing error and resolution to the GM of the store XXXX XXXX, XXXX XXXX the Executive VP, XXXX XXXX Agent, and the CFO XXXX XXXX. Based off 15 USC 1666 ( b ) ( 2 ), I have request additional clarification including documentary evidence thereof to fix this billing error. I have given them the proper billing error notice based off of my rights 12 CFR 1026.13. I also gave them a notice to rescind this transaction. Based off 12 CFR 1026.23 ( d ) I have the following rights and expect XXXX to fulfil their obligation to resolve this billing error. 
12 CFR 1026.23 ( d ) ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.

( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. 
Based off 18 USC 8 states the United States of America has the obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. So, what alleged debt am I accountable for.

Company response to consumer: Closed with explanation