BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was already resolved through CFPB and there is a case number associated with completion. The original holder was XXXX and I believe it was sold to another agency, however if I continue to be harassed by bogus accusations, will attempt to file a tort claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Nelnet, Inc.
State: TX
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:
I applied for XXXX  Loan  Forgiveness with Nelnet on XX/XX/XXXX and the Chief Administrative Officer completed their section on XX/XX/XXXX. Everything was accurately marked, including my service record ( XXXX at one eligible XXXX  and XXXX at another eligible XXXX  ). 

On XX/XX/XXXX I received letter notifying me that my teacher loan forgiveness application was incomplete and asked that I change the distinction of one of my XXXX   from a XXXX  XXXX  to an XXXX  XXXX, and mark that I am an XXXX XXXX. I work at a XXXX XXXX  and XXXX XXXX XXXX, yet I was instructed to change my XXXX  type and XXXX   service ( from XXXX  to XXXX  ). This correspondence also asked that I correct a small detail regarding my name being written at the top of one of the pages. I made these small corrections and resubmitted the application by mail and online through the Nelnet website. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application was incomplete because I needed to have a separate page 1 for each eligible XXXX. The letter also instructed me to have my Chief Administrative Officer change the name of my specific XXXX  as it appears on the Department of Education list of eligible XXXX. My XXXX wrote the name of the school, which was changed between XXXX and XXXX from an XXXX  school XXXX XXXX XXXX to an XXXX XXXX XXXX  ) as XXXX XXXX XXXX  ). I reached out to the customer service department at Nelnet to find exactly what I needed to submit and the missing information was resubmitted to Nelnet, however the name of my XXXX  was left as XXXX. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application had been denied due to ineligibility and stated that I had a gap in my eligible teaching service from XXXXXX/XX/XXXX 
My experience with Nelnet has been positive until this issue. I feel that as a consumer, errors beyond my scope are affecting me and my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I sent {$400.00} via Zelle to XXXX by originating the payment from my XXXX checking account for two concert tickets. The recipient confirmed he received the payment as we communicated over the phone and text message. The Zelle transaction number is XXXX for {$400.00}. The recipient disappeared after repeated attempts to contact him and never provided the concert tickets to me. I notifi ed XXXX and they originally told me the transaction was covered. Upon additional conversations, they told me that I should not use Zelle for such a transaction and the funds were unrecoverable. I also made numerous attempts to contact Zelle ; however, they make it nearly impossible to submit a claim or report the fraudulent issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 writing this due to non-compliance with the PORTFOLIO RECOVERY. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Exeter Finance Corp.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My issue is with my current finance company Exeter Finance. I purchased a vehicle XX/XX/2015 from XXXX which was to be financed by Exeter finance company. I returned the vehicle the same day because I was having issue before I could get it home and I got another car financed through Exeter. XXXX sent the funds for the first car back to Exeter via ACH as they should XXXX/XXXX/XXXX, however I did not know until recently that Exeter Finance put the original loan for XXXX on my credit report ( which is incorrect ) along with the current loan that I have. I am having issues with the car that I kept a XXXX Chevy Equinox and went back to XXXX XX/XX/2015 and purchased another vehicle that I returned the next day. XXXX sent those funds to Exeter Finance on XXXX/XXXX/XXXX as required under the return agreement. Exeter Finance also has that loan for XXXX on my credit report ( which is incorrect also ) as well even though they received the funds via ACH from XXXX. Neither of those accounts, XXXX and XXXX, should be on my credit report and they are not removing them. I have called numerous times to no avail. They are not taking this issue seriously and they do not care that they are destroying my credit score and it appears that I have XXXX loans with them totaling over XXXX when I do n't. I have XXXX loan with them for about XXXX. I spoke with Transunion and was told I should not have to dispute these that Exeter can remove these mistakes ( THEIR MISTAKES ) the same way they put them on there. I am exhausted trying to get someone else 's mistake removed. My current car financed through Exeter is shutting off while I am driving which XXXX extremely dangerous and scares me as I have XXXX children. I have gone through the expense of renting vehicles to have something safe to drive as I have physical limitations and I need a reliable car. I can not purchase another car until Exeter removes the FALSE loans from my credit report. Can you PLEASE help me get a resolution to this issue? I have called the corporate office only to be sent to a voice mail. I am not understanding why that would be the case during business hours and that is not the first time I called. Again can you please help me resolve this issue? Thank you in advance for any help you can offer me in this situation as it seems Exeter has no intention on resolving this issue and rectifying THEIR mistake. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$8900.00} XX/XX/2020 ) XXXX  XXXX XX/XX/2020 ) XXXX XXXX  report a late payment on XXXX ) XXXX XXXX ( finance ) XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed a dispute with my bank due to a duplicate charge that was charged to my account from a Merchant for a payment that had already been paid. I provided the bank with invoices from the merchant as well as a copy of the money order reflecting the payment that was made to the merchant. I also informed that bank that the contract that the Merchant provided did not reflect my signature. In spite, of all the evidence that was provided the bank still denied and closed the dispute. I also conducted a three-way phone call with the merchant and the Supervisor XXXX XXXX confirmed that there was a XXXX dollar balance on the account and the {$500.00} payment in question had already been paid.

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 2021-10-28
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Citibank is reporting a charge off that doesn't belong to me and XXXX is reporting lates that are not correct.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: AZ
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  XXXX ( Original Creditor : XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 non-monetary relief
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: NC
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:
Equifax is allowingXXXX XXXX XXXX XXXX  to fraudulently report 1 collection bill as 3 separate bills. I have 1 collection bill with XXXX for the amount of {$990.00}. XXXX XXXX XXXX XXXX is reporting that 1 bill as 3 separate bills. I made a dispute with Equifax and provided documentation showing that I only had one bill. Equifax did nothing at all but update the balance date. The two other credit agencies made corrections based on me provided proof. Equifax is allowing fraudulent reporting to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I really thought i was going to get some type of help finally! My rights are being abuse by greentree! For XXXX months, ive been harrassed, conned, volilated.I 'm being robbed. I 'm asking for help again. I ca n't put nothing to the princible of my house without it being stolen from me.They are still calling my wifes phone, my phone, coming to my house as of yesterday with these intimidation tactics.My rights are being volilated in more ways then one. My address is still they same! They are not putting anything in writing, just asking for money with phone calls and house visits. Only thing i get in the mail from them is XXXX 2 monthly statements in the past XXXX months telling me i owe thousands of dollars with bogus legal fees.What am i suppose to do? They are trying to scare me out my house.harrass to the point that i give up.Again nothing in writing, just house visits and nasty phone calls. I have told them on a number of ocasions to dessist and desseest! The calls wont stop! They know i ca n't afford no attorney, being i 'm XXXX. They know that! I 'm looking for class action suits against these giants! I 'm so XXXX out over this. I 'm not in good health and i know i 'm not the only person going thru this. Its taken alot out of me and my family. i just want to pay for this house and live the american dream for the time i have left. I know you all are still invetigating. is there any kind of way to stop the from all the harrassing me and my wife and stopping them from coming to my house? Anything they have to talk about can come in the mail. I 'm still paying my monthly morgage every month with every reciept. They still trying to raise my fix rate morgage! It already went up XXXX dollars more. Now they trying to raise it another XXXX dollars more. I need help! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter dated XX/XX/XXXX from M & T Bank advising me that they were closing my checking account as of XX/XX/XXXX. The letter said not to call them because they would not give any further information. I did call on XX/XX/XXXX when I received the letter without giving my name just to ask in general what reasons might be for the bank closing an account and the clerk would give me no information whatsoever. I have had a relationship with this bank for at least 25 years and have never bounced a check. My husband and I direct deposit our paychecks into this account and have since the day we opened the account. I checked my credit report and there was a soft inquiry from them on XX/XX/XXXX. I have no idea why they checked my credit and would like to know why. However, there is nothing on my credit report that would negatively impact me having a checking account. All of my debt is current and with the exception of a 30 day past due from my XXXX XXXX credit card for an amount of {$32.00} in XXXX, XXXX, there has never been even one late payment on any of my accounts. I would like to know if there is something on my record that is incorrect or fraudulent so I could take care of it. This also will cause a huge problem with my Stimulus check from the Treasury Dept. This account is my bank account for my direct deposits to the IRS. If they are bounced back, I will never get them.

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 2021-10-28
Company: EQUIFAX, INC.
State: NY
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
i do not want this costly service and they refused to cancel the subscription

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
XXXX is reporting a charge off that doesn't belong to me and Target is reporting lates that are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage now with Ditech and made use of the bi-weekly service. In XXXX I opted out due to being on strike in fear that I may miss a payment, proud to say I did n't miss a payment. The mortgage payment I had paid in advance I found out the Rep applied to my principal without my knowledge. They explained they would apply it to my XXXX mortgage. It still has not been done. I am very worried about this situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
- XX/XX/2020 - American Express reduced credit limit by {$7500.00} without valid justification and advance notification. 
- I spoke to XXXX XXXX ( Rep # : XXXX ), and he stated that reason for credit limit reduction was due to increase in installment/revolving balance which is not true based on credit report provided by American Express, but rather reduction in balance of both installment/revolving accts is shown. Then, XXXX XXXX ( Rep # : XXXX ) changed his position stating that decision was made due to balance on American Express Account increased, yet 40 % available credit remains. I stated I took advantage of promotional rate at 0 % which American Express offered, reason for not paying down any significant amount towards balance, also always maintained good standing with account. American Express failed to access over all credit of card member, but decided to just looking at American Express account, not a proper way to assess someone's credit worthiness. 
- The CFPB and other financial regulators have encouraged financial institutions to help and work with their customers to meet their needs around COVID19 urgent situation, but American Express 's business practice doesn't reflect the effort, instead of helping, working with card members, American Express chose to create more hardship, knowing it may bring financial uncertainty for many people/card member who could experience a loss of income due to illness or workplace closures. 
- Also spoke to XXXX XXXX ( Supervisor ) ( Rep # : XXXX ), but couldn't provide valid reason, couldn't help. 
- Both XXXX XXXX/XXXX  XXXX lack in knowledge, lack customer handling skills, also failed to deliver fact, proper training is urgently needed. 
- Many of large financial institutions are diligently helping/working with their customers, going through tough time, but American Express chose not to, but rather to create a hardship for their customers with given COVID19 urgent situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing this due to non-compliance with the CREDIT MANAGEMENT LP. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have work to pay to balance my account since the account opening around XXXX. Recently my full-time job assignment ended XX/XX/XXXX, and I'm still waiting to obtain another full-time job. My current employer organizations have been affected by Coronavirus and are currently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
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 received a bill from a collection agency in the mail today. I thought it was bogus bc I've never heard of or had any affiliation with the companies listed on the letter. I called no one answered. The realty company ( XXXX XXXX ) that was listed as the creditor answered the phone and told me they were across the country and had no facilities anywhere near where I live. I then pulled a credit report and there have been numerous hard/soft inquiries from various rental companies and power companies ranging from the east to west coat that are fraudulent dating back since XX/XX/2018.

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