BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
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: Account status incorrect

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : DPT ED/XXXX XXXX Balance : {$0.00} Date Opened : XXXX DPT ED/XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Nelnet, 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 information incorrect

Complaint:
XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX PM ( 2 days ago ) to me Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, I would like to file a complaint on Great Lakes Account # XXXX in the amount of a {$27000.00} Student Loan, I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking a relative and providing them with information regarding this debt advising. This violates 15 USC 1692 ( b ) ( 2 ) I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX XX/XX/2021, I received 31 missed calls from the phone number XXXX ( XXXX ) XXXX within a span of two minutes. 

No voicemails left for me to listen to. 

I have not called the credit card company back ( comenity capital bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient keeps calling me on my cell phone and home phone, 5 to 10 times a day, everyday! Its about a student loan that my daughter took out in XX/XX/XXXX. She forged my signature and got {$3500.00}. I am XXXX and have been since XX/XX/XXXX. I can not pay this loan. I thought my daughter took care of this debt. I have reported her forging my signature for this co-signing of this loan. I am still being harassed by Navient. They only make it more miserable for me to XXXX and worry about how these poor people will get their money. They are very rude and insulting with every harassing phone call to me. Especially the last women I spoke with just a couple hours ago. She insulted me and repeatedly yelled at me, In no way was she professional during her harassing call to me. First it was XXXX harassing me everyday, now its Navient. I would really appreciate it if people were notified before they get these loans that XXXX is privately owned and does n't have to follow any federal regulations!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX Deutsche Bank acting as Trustee ( defunct from XXXX ) on behalf of legally " dead '' XXXX filed wrongful foreclosure case against me based on robo-signed Assignment of Mortgage. Case XXXX Deutsche Bank v. XXXX In the Complaint Deutsche bank claimed that XXXX was a mortgagee for my loan with XXXX. It was not true because XXXX was not a mortgagee. Moreover, on XXXX XXXX, XXXX Deutsche Bank was not a Trustee and XXXX did not legally exist to accept any interest in my loan with XXXX. I many times contacted Deutsche Bank to obtain information on this wrongful foreclosure case as well as proof of Deutsche Bank ownership of my loan and its rights to foreclose on my property. Deutsche bank never responded to my inquiries. On XXXX XXXX, XXXX Deutsche Bank, still acting as Trustee, sold my wrongfully foreclosed property to a new buyer with a fatally defective Title.

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 2021-11-21
Company: Experian Information Solutions Inc.
State: PA
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:
Account paid in full XX/XX/XXXX, as of today XX/XX/XXXX Experian shows this account negatively on my credit report. 

Their information is outdated and they have violated my rights as a consumer.

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 2021-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
As notated on my credit report, Bank of America at XXXX XXXX XXXX, XXXX XXXX TX, XXXX reported a high due balance of {$5700.00}. The issue with Bank of America has already been previously resolved. The company has already dismissed the case against XXXX XXXX by their own initiative on 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
Consumer complaint received 2021-11-22
Company: General Motors Financial Company, Inc.
State: NJ
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:
It is unclear as to why they are now first coming after me when my lease was paid in full in XXXX of XXXX. Back in XX/XX/XXXX they added this item to my credit report, and I submitted a dispute. At that time, it was in fact removed. I am now seeing it again. 

I have submitted disputes to all XXXX credit bureaus and they are refusing to remove this item stating the company responded the account is accurate. I just sent proof of all XXXX payments made along with dates they were paid. 

My account with GM financial is locked and I submitted a request to have it opened but no response. When I call, I am left on hold for hours and simply do not have the time for that. 

This is negatively affecting my credit score. Please know that I take my credit very seriously as I was negative affected by my divorce years ago where my now ex husbands horrible credit affected mine. I worked very hard to get this cleared up and am sure to make all payments in full and on time which I have managed to do. 

Attached below are the documents I sent to all credit bureaus which prove I paid this lease in full. There is also a cover letter and cover sheet showing my bank account with each payment on the date paid. 

Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Purched a home in XXXX for XXXX dollars in the last part of yr XXXX i was told i had stage XXXX XXXX ( XXXX ) was taken out of the work place.fell behind on payment to the morgage co.called them asked what i should do.they offered us a paent plan.it was all good the arreages were to be put on back of note.three months go by amd we get a leyter from the bank stating we were denied. This happened XXXX differnt times.long story short, everytime after that when wed make a payment, we went farther behind.bad enought to go from XXXX incomes down to onethen this.we spent i bet XXXX dollars doing modifications.the goverment even gave me a XXXX dollar grant to cautch us up.well guess what it got lost for two yrs.all of a sudden. It shows up in our ecrow. Account next day its gone .they dont know where its or where it went.to this day no credit has been put on my account. We filed bankrupcy twicein XXXX and XXXX.they never said im sorry for the lost of your money or nothing.anyway in XXXX ( they say they forclosed on our home ) i dont know how we stayed in the home till XXXX.we moved on our own tired of messing with them.contract in XXXX for XXXX dollars moved owniing XXXX dollars on home in. XXXX and XXXX we XXXX dallar a month payments on home western union.no credit given.yes i have all receipts of payments. The forecloser is still stopping me from getting a good credit score.boy it makes me mad to think about it.please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: TX
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received an alert that Amsher placed a collection on my credit report. I have never done business with Amsher and the debt that they're attempting to collect is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: TX
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:
Complaint : ( XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX  ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I along with XXXX others lost our American Express cards when XXXX severed its relationship with AMEX. I tried to look up past AMEX statements online but that information has been destroyed. What am I to do? Here I try to do the right thing by " going paperless '' and now have no access to my statements!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple accounts from Midland credit management on my credit report also multiple phone calls throughout the day and night Midland credit management is in XXXX violations with the harassment tactics Im planning on suing them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: IA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Citibank refused to remove late fees and a resulting interest on purchase fee even after I explained that I had a few really horrible months. I was a customer for years and never late and they could not extend me this courtesy. They take advantage of consumers. I had a few deaths in the family, called to explain and they did NOT remove the late fee or interest fee. The late payment ( a whole 2 days ) triggered an interest charge as well. Seems to me that they wanted this to happen so they could collect these fees. They claim that they COULD NOT take the fees off. I do n't believe it. I have XXXX credit cards and a checking account with Citi. They could have been more understanding for someone like me who is never late. I feel that they are using these fees for their income. I closed the account and will close my checking with them as well. They are crooks and liars.

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 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/20 I went to purchase a car at XXXX XXXX in XXXX XXXX, Fl. Upon running my credit report with XXXX and they came back with a XXXX XXXX of XXXX. Yet my score with XXXX was XXXX on XX/XX/20 and changed to XXXX on XX/XX/20, day after purchase of car. 

The difference between their XXXX and XXXX 's XXXX is over XXXX points. This caused me to pay a much higher interest rate. The XXXX XXXXr did something wrong or something funny went on. 

Pleas let me know if you can help me recoup the difference I have been paying in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
My Right to Reject Arbitration ; Arbitration Rejection Notices sent to American Express via Certified Mail with Return Receipt ( XXXX of them now!! ) and another sent via First-Class Mail ( XXXX total ). First one sent XXXX XXXX, XXXX and delivered XXXX XXXX, XXXX and up to now XXXX XXXX, XXXX there has not been a single confirmation letter/letter sent back concerning all XXXX letters!! Called American Express over XXXX times regarding why I have n't received my confirmation letters and the first XXXX reps. told me it was processed on XXXX XXXX, XXXX and on it 's way to me in the mail. The XXXX time I 've called and asked to speak to supervisors they all can not find any record of my right to reject Arbitration, Arbitration Rejection Notices even in the system when the first XXXX reps. could!!!! Some of the rest of the calls I was treated with disrespect and some employees left me on hold or transferred me to a automated recording and completely wasted my time disregarding me as a consumer! American Express to date ( XXXX XXXX, XXXX ) has not written back or called back concerning my letters or returned my many calls/voicemails and have not sent me any confirmation letters regarding My Right to Reject Arbitration/Arbitration Rejection Notices and they show no interest in getting the issue resolved and show no interest in sending me all the confirmation letters that they owe me. I believe American Express is willfully violating our agreement ( s ) and my right ( s ) by refusing to provide confirmation letters ( which are to me and all consumers for the matter, written proof that they received my/our letters and state that they 've updated my card member agreement ( s ) to reflect my/our Right to reject arbitration for my account ( s ) ) to me so if anything were to every happen like for example my card number was stolen they ca n't claim they never received my Certified Letters and " force '' me to arbitrate any disputes when in fact I have proof/evidence that I did my part per the card member agreement ( s ) and sent them not just XXXX, but XXXX letters, XXXX of which are Certified Mail with Return Receipt ALL DELIVERED to American Express and signed for! How can consumers trust such a company that from the beginning have illegal business practices??! Please investigate and take action against illegal and corrupt conduct from companies like this! BAN " FORCED/BINDING/MANDATORY '' Arbitration from ALL contracts, regardless of nature, whether it be consumer, employment, loans of any sort, etc.. BAN ALL AND INVALIDATE CURRENT CONTRACTS AND AGREEMENTS THAT RELATE TO CONSUMERS regarding FORCED/BINDING/MANDATORY! 
Also, please look into my current issue concerning American Express and their illegal business practices! 
Thanks in advance to the people and consumers just like me in the Consumer Financial Protection Bureau who band together for OUR rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX XXXX, 2015 I went your website to file a complaint about my Identy Theft and then your website directed me XXXX XXXX to compete the complaint and then request to paid {$5.00} month totaling {$71.00}. When I went to veiw my online transaction with American Express Services the total amount withdraw from my account was {$71.00} I did not authorized them steal my money. Then I can American Express Serve the customer services representative informed that I would have wait eight day to receive my money back when I explain that transaction amount was incorrect and that I want to dispute it American Express Serve was not helpful at all. Please investigate both of these company Product and Services to ensure they are following Untied States Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XXXX was closed out prematurely and inappropriately by XXXX with Ally. After my inital complaint regarding Ally prolonging my refund, they are doing it again. I received the initial check on XX/XX/2021. Ally received an additional payout from XXXX insurance of {$600.00} dollars AFTER the XX/XX/2021 check. Since I was forced to pay off the loan in XXXX due to Ally 's delayal tactics and refusal to do their job, they now owe me an ADDITIONAL payment. It took XXXX a week to find the {$600.00}. XXXX verified on XX/XX/2021 that Ally did receive the {$600.00} XXXX payment on XX/XX/2021 and that they owed me an additional {$600.00}. Now, the complaint has been closed with her stating they do not owe me {$600.00}. I have been told my multiple people at Ally, the refund would take anywhere from 10-60 days. I was told twice, the {$600.00} would be expedited and mailed within 14 days in XX/XX/2021. I can not get a straight, truthful answer nor have I received the refund 64 days later. XXXX, herself, stated it is normally 30-45 days. After the complaint was closed, I called and left a message on XX/XX/XXXX and have not received a call back. If XXXX can't complete this complaint in a TIMELY and APPROPRIATE manner, someone who can complete this complain in a TIMELY and APPROPRIATE manner needs to take over. I will continue to file complaints each time a complaint is inappropriately closed out until I receive the final {$600.00} payment.

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