BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I know I make too many overdrafts but I need to see if I was charged over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Identity Theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Amsher Collection Services, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amsher Collection Services is reporting a debt on my credit report that doesn't belong to me. I have never had XXXX communications. Remove this immediately or I will seek damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than XXXX  days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting 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 writing to formally file a complaint against your organization for repeated failures to remove fraudulent items from my credit report. Despite my continued efforts to rectify this situation, these inaccuracies persist, causing severe financial distress and affecting my creditworthiness. 

I have previously reported these fraudulent items to your agency and provided detailed documentation proving their inaccuracy. These fraudulent accounts and activities were not initiated or authorized by me, and I have taken every necessary step to dispute and resolve this issue. However, your organization 's repeated failure to correct my credit report is causing significant harm. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like yours are responsible for ensuring the accuracy of the information contained in credit reports. The FCRA also requires timely investigations and corrections when inaccuracies are identified. 

Despite my previous correspondence and attempts to resolve this matter, I continue to suffer the following consequences due to these fraudulent items on my credit report : Difficulty obtaining credit, loans, or financing.

Higher interest rates on existing loans and credit accounts.

Financial stress and harm to my creditworthiness.

I formally request that you take immediate action to investigate these fraudulent items and verify their inaccuracy. If you find that these items are indeed fraudulent or inaccurate, I insist on the following actions : Removal of all fraudulent items from my credit report.

Correction of my credit report to accurately reflect my financial history and creditworthiness.

Provide written confirmation of the removal and any updates made to my credit report. I am attaching copies of all previously submitted documentation, including proof of fraud, dispute correspondence, and any other relevant materials. This information should assist in your investigation and prompt resolution of this issue. Please assist me to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-02
Company: LoanCare, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have never been late on my mortgage 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
Consumer complaint received 2020-07-28
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
-Total debt enrolled : {$10000.00}. 
-Total settlement amount : {$5900.00} -Total amount deposited into Dedicated account so far : {$9000.00} -Total amount still due in deposits : {$3900.00} We ( my husband and I ) hired FDR because they claimed that from our $ XXXX debt, they would be able to negotiate a settlement of 40-60 % for a small fee ( which they did do ). 

However, if you look at the above totals, youll quickly notice that their small fees will end up being MORE ( {$7000.00} ) than the amount settled. 

This company is completely dishonest and are taking advantage of people who are in a tight position. We would have never hired them if they had clearly told us that we would end up paying them the amount referenced above. 

To make matters worse, theres barely any money left in our dedicated account ( which had almost twice the amount we settled for ) and theyre claiming we still owe them deposits for the next two years. 

Can someone please help? I feel hopeless. How could this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Type : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) Account # : XXXX Account Type : Collection XXXX XXXX ( Original Creditor : XXXX XXXX ) TransUnion Account # : XXXX TransUnion and XXXX has not been able to verify this debt. This debt displays inconsistent and inaccurate information that is reported. Based on FCRA this is illegal and needs to be removed immediately. If not I will proceed with legal actions and will be compensated for the wrong doings of the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: Bread Financial Holdings, Inc.
State: NC
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 had a XXXX  credit card with Commenity bank in XXXX to XXXX it closed and I havent dealt with this company since then. I filed bankruptcy and it was discharged XX/XX/XXXX, I called and advised them prior to it being filed and after filed given case number etc. They went on my report and filed a inquiry from XXXX as if I applied for an account and made remarks after knowing it was discharged with that causing my credit to be decreased and still having the inquiry on my report today. I have been calling company several times to ask them to remove inquiry she said she doesnt know why that was done and it will be fixed but still not fixed yet. Im calling but keep being transferred and spoken to in a rude manner and hung up on every time I call and put my number in it wont get answered and Im being penalized after doing everything legally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On the website for the CapitolOne SavorOne card, it was advertised as having a 0 % introductory APR for fifteen months, and then an APR between 19.99 % -29.99 % after that. This was on the website when I applied on XX/XX/XXXX and then on XX/XX/XXXX when I spoke with Capitol One for the second time via phone. They verbally admitted to this advertising still being present. 

I called on XX/XX/XXXX when I saw my APR was 30.49 %. They assured me this was because my account was just opened and it would be 0.00 % soon. They advised me to call back the next day if it did not reflect this. I called again on XX/XX/XXXX and was told that I could not receive this APR because I had already agreed to the terms that did not provide me with it. Even when I escalated to a supervisor, they told me I would have to speak to a financial advisor to understand why I was not approved. When I expressed that I wanted the original advertisement to be honored I was told repeatedly that would not be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Data Mortgage Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
i fell behind on payments due to covid 19 and a death in the family and was not able to catch back up i did request like forbearance and a adjustment but did not receive anything i also applied for state assistance and was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: JPMORGAN CHASE & CO.
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:
Date XX/XX/2023 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX CREDITOR NAME JP Morgan, Chase auto finance CREDITOR XXXX XXXX XXXX XXXX. Credit Bureau Disputes XXXX, LA XXXX Dear CREDITOR I I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I never gave you ( JP Morgan, Chase, auto finance, ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. ( JP Morgan, Chase auto finance ) has caused severe stress and anxiety due to the abusive and unfair practices. 
You ( JP Morgan, Chase auto finance. ) should be ashamed of yourself for assuming this role and position to constantly commit fraud and cause hard to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
ACCOUNT NAME - Acct # Chase Auto ACCOUNT Number- Acct # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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/XXXX my student loan repayment was waived because of XXXX. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally XXXX on XX/XX/XXXX. 

Credit reporting agencies, do not reflect that all of these loans were previously XXXX. Some credit reports show that I'm in the monitoring period until XXXX. 

The loan amounts are so much higher than when they were taken, because of interest charged during XXXX monitoring.

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 2022-10-14
Company: MOHELA
State: OR
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 attempted to apply for Public Service Loan Forgiveness. When I applied in XXXX, they told me my employer didn't qualify. I submitted my W2 to prove that my Agency is a regulatory agency under The State of Oregon and does qualify. They updated my PSLF count to having made XXXX qualifying payments. I applied again, 3 months later, because I considered myself to have completed the terms required. I have worked for the The State of Oregon for 13 years. They again indicated that my Agency did not qualify, even though my employer had not changed. I resubmitted my W2 and they eventually determined it to qualify a second time. Then I was given an updated letter, but showing the SAME qualifying payment count as when I applied in XX/XX/2022. I qualify for loan forgiveness, but instead of forgiveness being granted, my loans were transferred from XXXX XXXX to Mohela, who also has not helped me solve this issue. I feel this is unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-27
Company: First Credit Services Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
So First Credit Services Inc continues to call my number looking to collect a debt but it is not my debt it is the person who had the phone number before me XXXX XXXX. They ring the cell phone and i call back and ask them not to call. And they continue to I threatened to contact the CFPB today and they said they would stop but then i got another call from another one of their collectors. I need this to stop I am not XXXX XXXX and Id love to get a hold of this guy as the number of shady businesses he was involved in is amazing- I have been getting calls for months looking for him as change his number but I want this company stopped as ive had enough I am getting multiple calls from them as well as other Financial agencies trying to find this guy he is in debt to multiple lenders and banks and he has other financial agencies still trying to lend him money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONEs customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
Can you delete these accounts because they are negative and are not mine? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Continental Finance Company, LLC
State: FL
Product: Credit reporting 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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Hi, Ive been trying to make a payment to my mortage for the last 2 months either online or on the website. Neither place can I make the actual payment. Ive tried to call on numberous occasions. Everytime I call after work, the phone is on hold forever and then the line disconnects or I get through and they say " sorry we cant access your account right now we are have techinal difficulties ''. A few months ago, I was in the middle of doing a hardship modification loan and I had to pay XXXX payments on time, which I did. Then they would finish the process and secure the modifiication. During the process the mortage company looks like it was bought out or changed hands with a bank with a similar name and now my account is all messed up and it says I owe XXXX payment each month. I know this amount is not correct, and there is not XXXX at the bank to fix it. That is why I am filing a complaint. I can not get in touch with anyone at the bank and can fix it. 
The company was XXXX XXXX XXXX XXXX and new company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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