BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
I`m trying to refinance with a bank and when they ran my credit report, they said my Fico score was very low and most likely will be denied because  Well Fargo  mortgage company not showing that I`m making monthly installment. Because   XXXX   I went bankrupt but I called the bank to reaffirm them, that I will continue making monthly payment that was being automatic withdraw from my bank account. And all this time payment was never stop while I was going through the bankruptcy, never late or missed a payment! So I e-mail them my issue and they e-mail me back with the number to there bankruptcy department. On  XX/XX/XXXX  I call the number they gave me and I spoke to a rep and she said I was suppose to submit a letter by my lawyer but I told them when call why you didn`t you tell me that and her response was not our job to advise you what to do! If I have known that 6 years ago, I would have brought it to my lawyer attention and because of this matter I missed out on low interest rate. Rep, told me to fax a letter asking proof of payment from to  XXXX  to present time to show banks I`m making payment. But the bank I`m going through said that not good enough to up my score! Not the way to do business since I been a loyal customer! I really appreciate your help on this matter.     Sincerely  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 2017-04-25
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a medical procedure and spoke with my Doctor 's office about payment. I had to have routine quarterly follow-up visits and the fees were submitted to my health insurance provider, then an invoice was generated and sent to my home for my payment of the balance due. Our agreement was always made with my Doctor, but I was told to make payment to  XXXX    XXXX    XXXX   XXXX . At one point in we received a bill from  XXXX   XXXX  and we were told that was our bill to pay and it was related. Every invoice we received was paid in full and on time. There was one payment that was made a few days late, but only a few days late and we believe that may have been due to the confusion with their billing. We have always taken pride in paying any bills due and we do not feel this medical collection fee is our responsibility and to have this blemish on our credit report is not fair or just. The collection that contacted us with no valid basis used strong-arm tactics and extremely rude individuals in a seemingly endless harassing manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I never received the bill from the Car loan company. They never contacted me.

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 2017-04-25
Company: Navient Solutions, LLC.
State: MD
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:
Since   XXXX  , when my federal loans went into repayment, I have experienced long-term hardship creating difficulty in repaying those loans. Navient ( formerly operating as    XXXX   XXXX   ) wr ongfully steered me into multiple consecutive deferments and forbearances rather than into an income-driven repayment plan despite my having demonstrated a long-term inability to repay the loan. When I did ultimately apply for the income-driven repayment plan , Navient made th e process very difficult. It was also very difficult to reapply for the plan annually.  One year, when I reapplie d,  XXXX  took weeks to process the request even though I filed within their deadline and charged me as if I was not in plan. It took me many phone calls to have the situation rectified. I continue to qualify for, and remain on an income-driven repayment plan . [ Incorporating where applicable, by ref erence : complaints, arguments, and requests for relief from Consumer Financial Protection Bureau  v. Navient Corp., 3:17-cv-00101-RDM ( M. D. Pa. Jan. 18, 2017 ) ( Cmplt ). ] [ See attached spreadsheet for dates, amounts, and actions taken by me or the company. ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Onemain financial charged my account on at a different time in  XXXX  around 2 years ago. They ran the account multiple times without enough money in my account causing multiple bank fees. I 'm not concerned about the bank fees. I 'm concerned that they wo n't stop calling and they have reported it as late even though I 've made several on time payments since. The loan is set to be paid off at the end of   XXXX  . Onemain financial is also reporting the total balance owed if I pay if I do n't pay it off early rather than reporting the payoff as of this month. Causing a higher debt to income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Naivent  offered me a settlement of {$8600.00} for  XXXX  private loans totaling {$29000.00} Last  XXXX . I paid the {$8600.00} and was told I would receive a lett er in 30 -60 d ays saying 'congratulations on paying off your student loan '. Well I never received the letter and the loans are still open saying I made a payment in  XXXX  but now they are past due. I ca n't get anyone at naivent to fix this for me and Now it 's hitting my credit report every month. I 've called naivent and they repeatedly say 'let me transfer you to the right department and I get hung up on. I finally t alked to one person after three tries and was rudely told I need to contact them by a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Netspend Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost  XXXX  of my  XXXX  form mail in this year. Right now, I received  XXXX  debit card fr om netspend.com, which is I never heard before. I called and asked them where do they get my info, they to ld me this from third party company and rejected to tell me which company. I told them to cancel this account right the way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: CA
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 2021-11-18
Company: Selene Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Selene letter acknowledged my mortgage assistance application XXXX and stated it was complete. It also said I was entitled to foreclosure protection since they received my application. My house is suppose to foreclose on XXXX XXXX XXXX They have not canceled the foreclosure. I have requested it be cancel several times. I read on Consumer protection website the foreclosure sale is to be cancel while my mortgage assistance request is being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.

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 2017-04-25
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on  XXXX   XXXX     2017  my local Chase branch in  XXXX  Colorado closed my checking and savings accounts without warning. I was denied a withdrawal request from the atm at the branch. I immediately went to my branch and was informed that my acct had been placed on restriction, no funds were available, and that they did not want to do business with me any longer. i asked why and they said they could n't tell me.   I received a letter dated  XXXX / XXXX / 2017  ( see attached ) claiming that my accounts were blocked because they had n't received the information they had requested. what information?. i received no request.   On  XXXX   XXXX  i went to my chase branch and was allowed to withdraw {$370.00}. chase confiscated the rest of my money totaling {$1400. 00} ( ban k statements attached ) Also on  XXXX / XXXX /   2017  i received a letter from chase fraud recov ery ( copy attached ) informing me that there had been fraud in my acct and that they were taking {$1400.00} to  cover their loss. For questions i was to call  XXXX   XXXX  at  XXXX  Ive called him 6 times, neve r got through, left 6 messages with no return call from him. Als o on the  XXXX  i received a letter from cha se executive office informing me again that chase had the right to take my money and close my a ccounts. On  XXXX / XXXX / 17 , i spoke to  XXXX  at chase  complaint center. She said she would have a senior rep call me in 24-48 hrs to help me. As usual  NO CALL since. I am innocent of any wrong doing and chase refuses to cooperate so that i can recover my funds and clear my name As i state in my letter to chase of  XXXX / XXXX / 2017  this is the most shabby, unprofessional treatment Ive ever had. this reeks of a cover up and an " inside job ''! I expect prompt attention and assistance from chase to uncover the cause of my loss. Lacking their cooperation i will take whatever steps necessary to expose their bullying to the public and to the Colorado attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Please help. I completed a cfpb dispute against XXXX XXXX as they are misreporting current 120-day delinquencies on my past mortgage from XXXX which is dropping my scores 80+ points. 

XXXX XXXX cfpb response states that the loan was transferred to JP Morgan Chase as of XX/XX/XXXX of XXXX and closed my dispute without fixing the reporting issue. 

JP Morgan Chase is not reporting to my credit report however since XXXX XXXX is saying they manage this account I guess I need to dispute this now through JPMorgan Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo customer service is failing to timely resolve my request to unfreeze my account and unfreeze {$1400.00} that was in my Venmo account. The {$1400.00} was attempted to be transferred out fraudulently but the account is frozen. Venmo continues to have multiple people contact me and offer the same solution of resetting my pw, but this isnt unlocking my account or access to my funds. This has been going on since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During the pandemic I was cut from my job causing me to be late with Chrysler capital. They didnt offer a deferment plan or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, 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 Mailed A Mult iple Inquiry re moval letter to Equifax on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They Received my letter on   XXXX   XXXX   XXXX   and " completed '' my request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  hard inquiries That are NOT factual, Unauthorized and fraudulent ( as I have now placed a fraud alert and security freeze on my report for unauthorized use of my info ) and yet I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access, if you believe this was unauthorized contact the creditor ''. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, The credit reporting agency must delete the disputed information from its files. The fact that I received a response 2 days after their receipt of my certified letter, you can assume no that they did not actually investigate the matter as required by LAW from them under the Fair Credit Reporting Act. I plan to purchase a home this year and having this many hard inquiries on my credit report displays as a sign of financial trouble and that is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the hard inquiries that DO NOT belong to me. I did not sign for anything and I do not have accounts with these creditors. This is unfair practice by Equifax with no concern for my credit worthiness as a consumer and a clear violation of my legal rights under the FCRA. The following inquiries are the ones being disputed.        XXXX   XXXX     XXXX     XXXX   XXXX      XXXX      XXXX   XXXX   XXXX     XXXX     XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX   XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I purchased a car from XXXX - XXXX XXXX through XXXX XXXX XXXX on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that XXXX XXXX XXXX does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called XXXX XXXX XXXX and they are not willing to help either.

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 2017-04-25
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I  have an account through synchrony bank for a credit card for Mens Warehouse. The issue is with synchrony. They have intentionally made it nearly impossible to pay on their account. The website to make payments on is a random series of letters and numbers, which no one could ever guess. Of course, no one at the company knows the name of the website either ( it is NOT synchrony.com or menswarehouse.com where you pay ). After weeks of fighting with them to figure out where to pay, you then can not access your account without the account number. Want to know what it is? They will not tell you. They claim their rules prevent it. They will tell you to log into your account and check your statement. Of course, you ca n't log in without your account number to view the statement with your account number, so good luck with that. They offer to send e-bills, but of course they do n't include the full account number so you still ca n't log in. After not being able to pay for 3 months, and having 3 late fees added to my account and interest, someone from their collections called to ask why I was not paying. I told them, and they told me my account number. I mean, seriously? They could n't have told me one of the other dozen times I called them? But wait, that still did n't work. The account number is 16 digits, but the system only accepts 11 digit numbers. Of course, everyone at synchrony claimed to not be able to help with that either. I finally called their fraud department ( I was just calling everyone at this point because I was desperate to get a delinquent account off my credit report ), and they told me they had heard of this before, and to try the last 11 digits of the 16 digit account number. I was finally able to access my account and make a payment. Now, I have three late fees on my account, and they agreed to take off one ( how nice of them after giving me the run around for three months to agree to only rip me off twice instead of three times ). This is obviously being done on purpose. No one is this dumb.  They could tell you the website to pay on but do n't. They could tell you your account number, but do n't. They could tell you which  11  digits of that number the website is looking for, but they do n't. They could take your payment by phone, but want to charge you an extra fee for that. They have intentionally made it impossible to pay in order to rack up late fees and interest charges. Please stop these scam artists.

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 2019-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXX.I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Upgrade, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2021 I applied for a personal loan in the amount of {$4000.00} through an application they can be found on the XXXX XXXX made by a lender called Upgrade I entered all my personal information and banking information. I was approved officially for the loan after verification of bank account and identity being identical occurring on XX/XX/XXXX Saturday XXXX on XX/XX/2021 was the approval date. When I called in today XX/XX/2021 they didnt have the same bank account on file and when I called the bank they said nothing was pending deposit from the verifying creditor ( upgrade. ) So when I called them back they refused to remedy the issue and deposit the funds in the proper bank account that shows as the automatically paying bank account and the bank account on file. I never received the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00}

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 non-monetary relief