BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Nelnet, Inc.
State: AL
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, and I am writing you as well as sending mail for the violations you are committing from my personal research. 

Account : XXXX To whom it may concern, I am writing to you again concerning account XXXX. Under the FCRA that you say you abide by here are some violations, you have committed after I have already informed you about them and you choose to ignore the LAWS I had provided so I will repeat them.

Pursuant to 15 U.S.C 1681 ( a ) ( 4 ), You are to respect my right to privacy as a consumer, which you have not because you are furnishing my personal information without my direct consent. You are infringing on my privacy.

Pursuant to 15 U.S.C 1681 ( a ) ( 1 ), You are reporting inaccurate information after I have provided you the inaccuracy in the name in the alleged debt which is an unfair credit reporting method.

Pursuant to 15 U.S.C 1681 ( b ) You are in violation with regard to confidentiality and accuracy since the name is an incorrect name which I have provided proof and made you aware and you choose to ignore this violation.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( B ) Any approval of a specific extension of credit directly or indirectly is to be excluded from a consumer report, this alleged debt would not have been made if it wasnt due to an extension of the consumers credit.

Pursuant to 15 U.S.C 1681 ( a ) ( 2 ) ( A ) ( i ) any report containing transaction or experiences is to be EXCLUDED from the consumer report, and this alleged debt was a transaction and experience.

These are a few of the violations amongst many you have/are committing I have researched. Ignoring these will result in actual damages from willful violations and negligence.

Please address ALL violations in a 30-day period and failure to do so will be considered discharged and will need to be discharged in full and removed from all consumer credit reporting agencies. Not limited to XXXX, XXXX, and XXXX. 


XXXX XXXX Account : XXXX Thanks for your cooperation, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The bank sent me an email stating they had detected " no card present '' fraudulent activity on my account via my new chip technology ATM/Debit card, which I very seldom use, and that they had declined the transactions until receiving verification from me as to whether the transactions had been attempted by me, or someone else 's. Please see attached. When I replied it was not me, a customer service representative called me immediately and instructed me to destroy the card, which I did. The representative proceeded to tell me they were opening an investigation and would issue temporary credit to my account, but they later told me they were denying the claim for fraudulent activity and would not be reimbursing the monies. I closed my account yesterday, after having been on the phone at the branch, because the branch manager told me there was nothing they could do at the branch, and that, like me, the only recourse they had was to go through the Claims Department, which only handles everything via telephone. PLEASE HELP. Chase is stealing approximately {$700.00} from me, saying that since I have an on-line account, I should have noticed the fraudulent activity and reported it immediately, and that I should call the authorities if I was n't happy with Chase Claims Department 'd decision to not reimburse me. 
XXXX XXXX XXXX - Cell XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Capital One does not address the fraudulent items on my card ending in XXXX where over a combined charges from XXXX of {$520.00} and XXXX of {$240.00}. I turned this claim into Capital One I believe in XXXX of XXXX  they found it to be fraudulent charges but only refunded back to the new card I was sent card ending in XXXX a total of less than {$40.00}. The rest was rolled over to the balance on the new card. They changed the statements. My credit was {$350.00}. I now longer had purchases I did use the card after all this. They took my {$200.00} deposit. I made a {$500.00} payment to them. They changed the way their statements read to try to confuse Me and hide the charges. Everytime I file a dispute they only refer to the new card I was issued ending in XXXX. I hope You will see their statements do not make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: MIDFIRST BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX  was closed by me on XX/XX/2022. I did nothing t want to use this bank anymore. XXXX refuses to give bank funds. Stated that they sent it out XXXX have not received it called numerous times they still say it is in transit as of this date. XXXX has stated that they closed the account and I did not.

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 2016-08-10
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan servicer, Seterus, repeatedly refused to review and eliminate the PMI insurance on our home loan in numerous correspondences going back over the past two / three years. They were adamant that we needed to pay them for an appraisal even through the remaining loan amount when compared to original formal appraisal in Seterus records was far below the 78 % threshold for eliminating PMI altogether. We have sent Seterus numerous letters demanding removal of our loan PMI in the amount of {$200.00}. Seterus always responded with a form letter and demand {$350.00} for a new appraisal before even considering our demand. THEN, WITHOUT ANY LETTER OF EXPLANATION or verbal communication, Seterus lowered our PMI from {$200.00} to {$53.00} in XXXX 2016. This was literally " Out of the Blue. '' They also sent us a check for {$830.00} with a notation " Overage Refund. '' As we investigated, we found that Seterus, for some reason which we have no knowledge of and have never - to this day - received an explanation of, reduced ( did not eliminate ) our PMI from {$200.00} to {$53.00}. WHY? No Clue, but this action and the fact that the outstanding loan balance amount did not drop *dramatically* ( normal month to month principal reduction ) between XXXX 2016 and XXXX 2016 supports our on-going contention that we have been overcharged by Seterus for PMI **going back years**. No one at Seterus will ever get on a phone and explain what is going on, and our written communications never give us a person to call as they are always signed " Sincerely, Seterus '' or " Your Correspondence Team. '' Our claim is that Seterus has been overcharging us on PMI for years and we are owed far more than the {$830.00} Overcharge Refund they have sent us. This is a systemic PMI overcharge that goes back years and we want a refund for all past year violations / overages and sanctions against Seterus for this action. The loan is owned by XXXX and we will be addressing this with their Fraud Division as well. 
Seterus Loan Number : XXXX Address : XXXX OR XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
I have contacted Experian and told them that they were reporting the wrong information 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 explanation
Consumer complaint received 2022-04-21
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was called buy a process server saying they wanted to know if i would be home so they could serve me paperwork on a civil mater. She didn't know what it was about but gave me a case number and phone number to call. When I call the number they answer as XXXX XXXX XXXX XXXX and said I had an account with XXXX debt from XXXX. I told them I filed bankruptcy in XXXX and said they would check and get back to me. I asked for them to send me paperwork on this because I think it was fraud using my name and they refused. I tried to call the process server back on the caller ID number in my phone and it went to voicemail. The message for this voicemail gave the company name as XXXX XXXX and associates. i have tried to call it 3 times with no answer. I did some looking online and found links to scams from both of these company 's using the same wording as they used with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and associates XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX ( XXXX ) and Select Portfolio Servicing, Inc. ( SPSs ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of XXXX and SPS. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by XXXX and/or SPS or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, XXXX, SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: NM
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:
On XX/XX/XXXX I sent out a inquiry removal letter, i specifically asked them " I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. '' within 5 days I got a response from Experian saying the information was " accurate '' yet they DID NOT provide me the proof I asked for if they did decide to label it " 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 2016-07-10
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My complaint is against Wells Fargo Bank. In a letter ( see enclosed ) that I submitted to the Office of the Comptroller, the response from Wells Fargo was that they had difficulty with 3 payments in the course of two years. It states that XX/XX/2015 the monthly payment of {$210.00} was returned due to the wrong routing number provided. All three payments have been made, however, Wells continues to " pyramid late fee payments. '' Each payment is {$39.00}. They are now stating that I owe {$600.00} in late fees because they keep adding as they go along. I only owe XXXX late fees, totaling {$110.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX Campus XXXX XXXX XXXX and XXXX ran hard inquiries on my Equifax Credit report and XXXX Credit Report. XXXX removed this hard inquiries since I did not authorize them and never heard of these companies before. 
Equifax still has not removed them from my equifax credit report. 
We still need this to happen. This is our second request to have these unauthorized fraudulent hard inquires removed from our equifax credit report. Do n't understand why equifax is not doing what XXXX did and remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Income execution ordered on a debt I have relentlessly fought to object over 15 years. Debtor has used tactics in the past over the phone that were threatening and has on multiple occasions used the threat of jail time to secure payment. I do not know nor recall owing any debt to this company however every year since 2004 they have been harassing me. I would like Pressler and Pressler to cease and desist. Also, they should vacate the income execution order. I am unable to provide sufficient representation to fight this matter. I am therefore request your assistance and direction in the effort to oppose this matter. It is causing XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NY
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:
To Whom It May Concern, On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were innacurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: LA
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:
I have sent out multiple letters requesting this debt to be validated by the creditor and the bureaus and no one has sent me anything! I have never owed XXXX anything as far as an unpaid balance. This needs to be fixed right away

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been disputing acct # XXXX from XXXX XXXXBack in XXXX 2015 XXXX had this account # XXXX and I made a settlement offer of {$320.00} owning no more. 
I guess communication was lost between them and XXXX. 
XXXX then sent me to another 3rd party named Afni acct # XXXX saying I owe {$130.00}. 
I spoke to numerous people from afni and they said to send an email that states that I did a settlement with XXXX sent very letter that will be attached with this. 
I Then called XXXX at XXXX XXXX on XXXX/XXXX/2015 and spoke with XXXX XXXX XXXX XXXXHe was very confusing and had said he 'd wave all this as a XXXX? 
I 'm not sure what this meant the gentleman was very hard to understand. 
I then Got email back from afni on XXXX XXXX saying I still owe {$87.00}, I now have spoke with a XXXX with XXXX mst on XXXX/XXXX/2015 XXXX XXXX. 
she said it 's all on XXXX sideso I called and spoke with a XXXX XXXX ( XXXX ) she instructed to give afni the letter again that the account is closed and a the balance is {$0.00} and to close this account with afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been contacting Equifax since XXXX XXXX, 2016 to have a credit inquiry deleted. XXXX XXXX and myself have contacted Equifax numerous times to have the inquiry deleted. Equifax refuses to delete the inquiry despite having received all of the necessary paper work and electronic requests. It has been more than 30 days and I also have not received a response to Equifax regarding my first intial request for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Chase bank keeps trying to open an amazon credit card in my name I have called and report twice now and yet now a third and forth time the company is contacting me to open an account again. I 've wasted hours and hours contacting chase bank and they still continue to try to run an application which seems like every 3 months. Tell chase to take me out of there system and stop bothering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: FL
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 have been working with XXXXwo mortgage companies that have been unable to pull my credit report and credit score. This has been going on 2 weeks now trying to get this resolved and are still unable to pull my credit. 
I phoned Equifax on XXXX spoke with a representative who stated there was nothing on their end that was causing the problem. There are no freezes, disputes or freezes on my account. They stated that the company should be able to get the report. 
Phoned equifax again later on XXXX company attempted to run again with no luck. Again, as noted above Equifax still stated there was no reason they should not be able to pull my credit and that all information was correct. 
Phoned equifax again on XXXX. Verified my address online with them, also verified my potential lender had the same information- still unable to pull my credit report or credit score. I was on the phone with an Equifax customer service agent for 40 minutes trying to figure out why this was happening with no resolution. Still stating everything was fine. 
Phoned equifax again XXXX as the mortgage company is STILL unable to pull my credit information. XXXX and XXXX XXXX XXXX XXXX has attempted again to pull my score and get the same response : Information from your credit inquiry has been identified as potentially fraud therefore the credit report is not available for delivery. 
The above is the response they have gotten 3 times now! This is infuriating, I am going to miss out on buying my land and building my home because Equifax can't figure the problem out. It is ridiculous to go through this. XXXX and XXXX are reporting just fine. This needs to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CCS Financial Services, Inc.
State: NJ
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, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Credit Collection Services There is a collection on my report in the amount of {$670.00} on my credit report which needs to be removed. 

XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
During closing I asked the bank 's representative about weekly payments. I was assured that after each weeks payment, my principle would decline and thus I would save on interest charges on an ongoing basis. After a change in the information provided on their website, I realized they did not operate in this manner. They simply kept the money until four weekly payments were made and only then reduced the loan balance. They had full use of the weekly payments until the end of the month and deprived me of interest savings. When I called about this, they told me that the procedure was covered in the contract by the phrase " full payment. '' It would seem only fair that the bank should fully disclose the implied cost of offering weekly payment in terms of foregone declines in the balance owed and thus higher interest costs.

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