BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: NY
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 dont recognize an account and it appears as derogatory and in collection resulting in adverse impact top my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX, 2020, American Express National Bank transferred via ACH {$700.00} from my savings account to American  Express Card Services. It did not post to my Amex card account. They can not say where it went, neither can American Express Card Services. I had to send them a letter asking them to investigate. No response so far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: Nelnet, 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:
I AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2018 i received notification of a hard pull from a company I have no relations with or authorized to use my 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 2020-12-11
Company: Experian Information Solutions Inc.
State: FL
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:
Review has taken over 30 days and no results

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 2019-06-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I made a {$16000.00} payment to loan ending in # XXXX. The new balance dropped from {$25000.00} to {$9100.00}. My monthly payment was to change from {$160.00} to {$61.00}. The monthly payment has not changed as of XX/XX/2019. I called Navient in XXXX, XXXX and XXXX to ask why the new payment based on the reduced principal amount is not reflected in my account. Every time I have called, the Navient representative misinformed me that the reduced payment would take effect the following month. However, that has not happened, now three months later. I have overpaid {$210.00} towards this loan between XXXX and XX/XX/2019. I would like Navient to reimburse me {$210.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XXXX of XXXX through J.G. Wentworth and JG Wentworth continued as the loan servicer. The property purchased at XXXX XXXX XXXX has to county apn numbers : # XXXX and # XXXX. The property taxes were paid on one apn and not the other, although both are included in the mortgage paperwork. This information was brought to their attention two years ago after receiving deliquent tax notices from the county of XXXX, CA. This was again brought to their attention on XX/XX/XXXX via email with a confirmation saying the delinquent taxes were received. I received an email on XX/XX/XXXX saying that any deliquency would be paid by the company out of a corporate account. I called the company to confirm, and was informed that the taxes would be paid on XX/XX/XXXX. They wouldn't give me this information in writing by mail or email. I also requested an audit of our escrow account, because the escrow amount should have covered the deliquent taxes. Our loan was then transferred to a new servicer, Freedom Mortgage, effective XX/XX/XXXX. I immeditely sent the deliquent tax notices to the new servicer. The reviewed the infomation and assured me that the taxes would be paid on XX/XX/XXXX and that an escrow audit would be performed and sent to me by XX/XX/XXXX. Again, they wouldn't confirm this information in writing or give me a confirmation number. Freedom Mortgage has also added hazard insurance and an additional flood policy in addition to the homeowners and flood insurance that I already carry. I notified my flood policy agent ( XXXX XXXX of XXXX XXXX ) that the maximums of the policy needed to be increased, and they did increase them right away. I have received a letter again telling me to increase my flood policy maximums or they will obtain a policy for me. They are increasing my payment from {$1600.00} to {$1900.00} to cover this. It seems that they are adding things without my authorization or need and not paying the property taxes for the second apn. The deliquent taxes equal {$10000.00} with penalties. I just want the property taxes paid and I want to see where all of the escrow money has gone if it wasn't used to pay the taxes. I have not been late on payments and I have carried proper flood and home owners insurance since the inception of the loan. If this isn't remedied immediately, I will be forced to take legal action.

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 2022-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged twice for the amount of XXXX which in total amounts to XXXX dollars on XXXX XXXX 2022. Because I am travelling and dont have a U.S. phone number I cant get a response from the bank. The time frame to report a fraud claim is 60 days. I did not make these transactions. What can I do?

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 2020-04-21
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: Account information incorrect

Complaint:
XX/XX/2020 Equifax XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all  accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

ILLINOIS XXXX XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Recovery Partners, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife recieved our mail for the day on XX/XX/XXXX and found a letter from Recovery Partners , LLC. stating we owed {$14000.00} for providing invalid insurance information or simply didn't resolve this debt with a XXXX XXXX XXXX XXXX which I have never dealt with or heard of until I received this letter. This is about an accident I was involved in on XX/XX/XXXX. However, I contacted my insurance company about this and they have no idea why I would have received this letter. The claim is still open as the other party 's insurance company hasn't contacted mine and are still in the process of closing the claim out fully. How can I not have provided valid information for insurance when my insurance is still handling the claim as im writing this complaint? This seems a flat out scam or immoral business practice in order to scare people into blindly paying off debt which they may not even actually owe. Once again my insurance company has not informed me of any issues with the claim or the possibility that I would have to pay a cent out of my own pocket.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple disputes regarding credit inquiries that are showing on my report. I have not received any response and no actions have been taken to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: WA
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:
THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX  XXXX  XXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and Equifax is reporting {$330.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and Equifax is reporting XX/XX/XXXX. 
PLEASE DELETE AND REMOVE IT FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
on XX/XX/2021 I applied for a credit increase on my American Express Reserve card. I was denied a credit limit increase based on the following reasons by American Express that were documented in their letter to me ; 1. Collection by XXXX XXXX XXXX XXXX according to Federal Law a credit provider can not use Medical bills as a determination of credit worthiness. This Medical bill balance was paid in full for less than {$400.00} & was part of a personal injury law suit and bill was paid late by my legal representative. 
2. Amex states my payment history is unsatisfactory ; All 3 credit agencies report no deliquent payments by me ever. 
3. Amex states a FICO score they pulled on XX/XX/2021 of XXXX ... my actual FICO score when I requested a credit increase is XXXX, a 40 point increase in two weeks. 
4. Amex states my revolving balances are too high. Fact ; I have paid off entirely in the last 60 days over {$42000.00} of credit card debt including 100 % of my Amex card Balance. 
5. According to XXXX  my credit accounts are excellent history with my oldest credit account nearly 40 years old. 
Amex did not use current credit reporting information to assess my credit limit increase though it was available. They also in writing voilated Federal Law by using a Medical bill for a reason to deny credit. Overall Amex denied me credit based on outdated, incorrect and credit banned by Federal law to be used in a credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-05-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
CFPB reference number XXXX Information requested for XXXX XXXX/Merchant DBA name XXXX XXXX XXXX Invoice from XXXX XXXX XXXX XXXX ( XXXX ) Unclaimed Payment ( XXXX ) XXXX, XXXX XXXX billing transfer account number Government Office of XXXX XXXX Administrative file number XXXX  XXXX. 
Registrar

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this complaint because Phoenix financial has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was sent fraudulent wire instructions appearing to be from my title company. The e-mail had all the right names attached to the e-mail. I sent {$280000.00} to the bank that was listed. It asked to be sent to XXXX XXXX saying she was the attorney for the transaction. I did not put her as the beneficiary I put the title companies name XXXX. Title. I sent the money on XX/XX/XXXX of XXXX at around XXXX PM. On XX/XX/XXXX of XXXX we figured out that it was a scam. I called my bank and had them report it to PNC bank in XXXX Alabama. I was told that they can take up to 90 days to return my money. I called PNC Bank and they would not give me any information. My bank has not been able to get any information from them. As of today XX/XX/XXXX I still do not have any of my money back. About two weeks ago PNC contacted my XXXX XXXX ( XXXX XXXX ) to fil lout a form and asked some questions. But no further information has been received from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: Guild Mortgage Company LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX an EFT for {$3800.00} XXXX XXXX XXXX {$2000.00} MTC # XXXX XXXX XXXX XXXX {$900.00} MTC # XXXX XXXX XXXX XXXX {$650.00} MTC # XXXX Total payments {$7300.00} this would have taken care of 3 1/2 payments however they chose to not take the payments out of our account and have rejected the XXXX XXXX payments. 

Now my mortgage is showing 5 months past due and its in pre foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Pendrick Capital Partners Holding, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dates XX/XX/XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX. 
Amount {$1600.00} Date of Medical Service ( s ) : XX/XX/XXXX This is a SCAM claim against me. I have no idea about this provider and had never been to this provider. The date of medical service is bogus which my location at that time wasn't in New Jersey. How come this company is trying to claim that I have unpaid debt. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Please provide any necessary documents that will prove this account or debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: First Technology Federal Credit Union
State: WA
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:
XXXX XXXX 's online banking system has flaws in its design on how to handle the XXXX account- if the principle balance is zero, the account summary page will simply show balance as {$0.00}, even there is some payment dues such as annual account fee or accrued interests on the account. Those payment dues only show up if customer purposely click the 'Pay ' button at the account. This is a very bad system design and failed to inform customers properly and timely. Why would a customer click 'Pay ' button on account balance as ZERO in first place?! 

This flaw in their system caused me late payments on annual fees and accrued interests in my XXXX account back in 2018 XXXX, XXXX, and XXXX, each time it was a {$5.00} payment dues, I did pay it immediately upon I got the notification from XXXX XXXX in other ways ( letter, phone call ). But still, XXXX XXXX reported these as late payments to credit bureaus, which adversely damage my credit scores and darken my financial futures. I have never missed any mortgage payments and XXXX principle / interests payments with XXXX XXXX, but only these XXXX occurrences which were mainly caused by their banking system 's flaw failed to serve their customers. 

I asked them to fix the errors on my credit reporting, and ask them to improve their banking system to better/ transparently serve their customers. Their responses insisted that this was customer 's fault and they reported to credit bureaus correctly, which I totally disagree. As a matter of fact, XXXX XXXX changed their process a little bit after 2018, and will never charge interests on annual fee payment anymore, but still, their online banking system not showing any balance of those hidden payment dues at the account summary page, unless customer click 'Pay ' button, which is very misleading as usual, image why would customer click 'Pay ' button if they see the account balance shown is {$0.00}? 

I want to raise my concern to CFPB, so that the government agency can push them correct their system design, and fix the credit reporting they did to their customers which were truly caused by their banking system 's design failed their fiduciary mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX account was hacked in XXXX of XXXX  and because my XXXX XXXX was tied to my XXXX payment source ( XXXX ), those who hacked it were able to charge almost {$2000.00} in fraudent XXXX trips and XXXX XXXX  ( which I have never used ) deliveries. I first reported the fraud when I received my XXXX statement. I reported it again in XXXX when more of the fraudent charges posted. In each instance, the representatives of XXXX Barclay 's told me I had to pay the entire balance, even the charges reported as fraud, or my credit rating would suffer. My XXXX  XXXX XXXX XXXX was also tied to XXXX and was used, but unlike XXXX, they informed me I did not have to pay the disputed amount. I have made a total 22 calls to XXXX since XXXX and spoken to multiple staff and had to report the fraud a total of 11 times ( since those who took the claims evidently did not know how to take the reports ). I am now on the 22nd call with a supervisor, who is looking at notes from another supervisor with whom I spoke on XX/XX/XXXX, and the notes stated I would receive a credit for the fraudlent amount. And that did not happen. This supervisor 's name whom I spoke with today is XXXX, Operator ID XXXX and the Case # is XXXX. She was very helpful but time will tell if there is follow up behind the promise to resolve this case that has been ongoing through no fault of my own, since XX/XX/2022.

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