BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and XXXX XXXXXXXX continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so XXXX XXXX is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$120.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XX/XX/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 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 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 explanation
Consumer complaint received 2017-12-05
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Beginning in XX/XX/XXXX I had taken out student loans with the Department of Education. This was my first year of college. There was no classes or anything needed to be taken in order to receive these loans. Over the past 6 years I had changed colleges a couple times. After completing my XXXX degree my loans were bought out from XXXX XXXX to Navient. I was unaware and had no choices about this buy out. IN XX/XX/XXXX, they suggested me to consolidated to pay one payment. They never informed me that this would make my loan forgiveness go back to square one. In XX/XX/XXXX I applied for a XXXX degree which put my consolidated loans in to deferment. I do not know how much interest has accumulated over my loans, no one has ever gave me ADVICE on my loans to pay them off. I have had a job every year since I have been in college and no one has ever told me you can make payments on my loans while you are in college. ( THIS WOULD HAVE BEEN HELPFUL. EVEN IF IT WAS {$20.00} ) After I completed my XXXX  program. Another representative advised me to re consolidate both loans and now I can pay one payment. Only after I asked about my loan forgiveness date was I than informed it was recalculated to XX/XX/XXXX because I re consolidated. These people are liars and are making it IMPOSSIBLE to get out of student debt. I have {$120000.00} in loans and almost HALF of it is interest. And since I consolidated after completing my schooling after 10 years, I still have to pay another 20 years. Navient has no solutions. They do not help you and if you do not ask questions you will never be able to understand your loans. There are so many charges on my account I have no idea where to start and if all of this is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I called Chase to report that my accounts were compromised due to a scammer, and that I wanted all withdrawals halted/account frozen. The scammer transferred {$450.00} to himself. Thats all I had in the account. The agent said they could not do that, and that I had to wait until the funds posted to file a fraudulent transaction claim. On XXXX Chase gave me a provisional credit for the funds. On XX/XX/XXXX they withdrew the money and denied my claim saying I didnt call promptly and I could not substantiate my claim. Chase claim to protect its client by providing zero liability in cases of fraud, but does not back up its claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
There is NO verification of debt. Or that this debt even belongs to ME its reporting as collection on my credit report. This is causing me to no be approved for things its disturbing my lifestyle. I have reported this account several times as fraud. The constant phone calls, text messages, voicemails are completely out of hand every single day, all day LITERALLY. I have had ENOUGH. There are so many laws and violations that's happening I'm not going to sit back and keep letting this XXXX keep happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/XXXX I financed new XXXX through XXXX XXXX Chase Bank ; As always on recurring charges I institute automatic payments to be deducted from checking account ; As XX/XX/XXXX arrived, I expected my title to be sent as every payment except the last payment was deducted from my acct.. Instead, In XX/XX/XXXX I received a letter from Chase advising that I was late in my payment and they had charged me a {$9.00} late payment fee. I called their number & explained that this was their error as I was auto-pay for the loan. The lady said she understood & woud take care of it, including the late fee & it would not go on my record as being late ; a few weeks late in checking my XXXX I found that my score had dropped to XXXXfrom over 850.I called Chase back & spoke to a man with my complaint ; he said that Chase could do nothing about it, although the prior agent told me that it would be taken care of.In 30 years I have not been late on a payment. I have always had a XXXX at XXXX or above. I am quite upset about this.In checking, XXXX XXXX has gone up to XXXX.My acct. # for this loan : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent money through XXXX for what I thought was tickets to XXXX XXXX. I was promised tickets for me & my kids. I sent the money and never received the tickets. I was scammed out of {$1000.00}. My kids were left devastated. I reached out to the scammer several times and was blocked. Attempted several times to request the funds back through XXXX & Chase. Each attempt was declined by the scammer. Chase sent me a text asking if the transaction was valid and I immediately called them and said no that it was in fact fraud. An investigation was done and they were supposed to reach out to the scammers bank and request a courtesy refund, but that never happened. Chase basically told me that they could do nothing to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: ReliaMax Holding Company
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
have been in a repayment plan with Student Loans Solutions that charges me {$40.00} per month when my payment plan is {$0.00}

Company response to consumer: Untimely response
Consumer complaint received 2023-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 Want All of these inquiries deleted immediately because I did not authorize these companies to Run my Credit that is Fraudulent!!

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 2023-06-03
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I applied for a Loan Modification with Flagstar Bank and was offered a XXXX % modified interest rate. The loan mod paperwork was incorrect so I went back and forth with Them to get it corrected over several months. When the new paperwork was sent out in XX/XX/XXXX, the interest rate jumped up to a XXXX XXXX rate. When all title info was corrected, Flagstar Bank sent out a Trial Plan Agreement that went up to {$4400.00} for 3 months. I managed to pay the three payments and when the modification paperwork was sent to Me the interest rate jumped up from XXXX XXXX XXXX XXXX XXXX and the monthly payment was {$4400.00}. On XXXX XXXX I sent Flagstar My completed documents and on the XXXX They could not accept the documents due to an error that was Their fault. They resent the documents to Me and the Flagstar paperwork stated that They would be sending a mobile notary to finalize the docs but that never happened and so Flagstar closed My mitigation. On XX/XX/XXXX, I was approved for a partial claim due to XXXX and monthly payment of {$3800.00} at a XXXX  % interest rate. The paperwork sent to Me still had My Wife 's Maiden name on the Title docs after all this time spent correcting it and closing My modifications.

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 2023-03-01
Company: CITIBANK, N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Confusing or misleading advertising or marketing

Complaint:
None of the choices apply to my problem. XXXX XXXX, an investment firm, bought a {$40000.00} cd from Citibank on XX/XX/ for my IRA ( matures XXXX ). Interest is supposed to be payable quarterly. We filed a complaint with XXXX on the investment firm and settled with the investment firm ( then XXXX ). 

However, we still have the investment and can not afford to cash it in because we would lose half the money. I'm sure I won't be around in XXXX since I am XXXX XXXX XXXX. I never should have been sold that investment, thus the complaint with XXXX. 

I called XXXX and they said I should call the Federal Reserve Consumer help line. They said I should call your agency. I tried everything I could think of to call Citibank, to no avail. 

This type of investment should be illegal. As I said it was purchased in XXXX That year it paid {$3000.00} in interest, {$2100.00} in XXXX, {$500.00} in XXXX, {$230.00} in XXXX. {$0.00} in XXXX, {$0.00} in XXXX, {$0.00} in XXXX. {$980.00} in XXXX and {$0.00} in XXXX. I feel totally taken advantage of by Citibank! They are using my money for practically free and that is NOT RIGHT. I am retired and am on a limited income. I don't know where to turn.

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 2021-02-09
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello I'm currently assisting my elderly parents on a home re-finance. This has been through Navy Federal Credit Union. 

The process started on XX/XX/2020. It has still not closed. I have provided all necessary documents within 24 hours ( without delay on my end ) of me being asked for any documentation. 

At the inception of the loan process Navy Federal advised that they were having delays because of the volume taking place. I can understand that. 

However I have had very little communication with my loan processor. I have emailed, called and left voicemails. When I had 1 response to call me as I had additional questions it was again followed by no more responses. 

Personally this has been one of the most unprofessional financial transactions I have ever dealt with. I finally did get some traction however. On XX/XX/XXXX after responding to a survey from Navy Fed if I was still interested in the mortgage I had a response from a REL Resolution Specialist. This person appears to be getting everything back on track and is responding within 3-6 hours of my emails.

After this help it seems like the loan processor created a new application in error then sent a corrected one. It's now been quiet again and I'm still waiting. I wanted extra insurance and signed a rate lock because I'm not confident Navy Fed can deliver this loan in a timely manner. 

Navy Fed also has a large amount of older Veterans that they work for and I think it's a shame that they allow this level of service to occur.

While I may not have all proof of incoming calls. I have kept all my email correspondence with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Personal information incorrect

Complaint:
I noticed that there are several names listed on my credit report and several different addresses. I would like to remove all other names and addresses that are not mine. 

I have included the documentation below.

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 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Original Creditor Capital One Account # : XXXX On XX/XX/2018, you have sent me the letter down below stating you no longer own this account and that it was sold and acquired by XXXX XXXX XXXXXXXX XXXX XXXX. In addition to that, the account has been closed since XX/XX/2018, and It is clearly time-barred by New York Civil Procedure Law Section 214-l which provides that an action arising from a consumer credit transaction must be filed within three years. 


Dear XXXX XXXX, We wanted to let you know about a change to your credit card account referenced above. Your credit card account with a balance of {$3200.00} was acquired by XXXX XXXX XXXX, XXXX on or about XX/XX/2018. XXXX XXXX XXXX, XXXX now owns your account and may contact you either directly or through an affiliate or third party. If you have any questions about your account, please contact XXXX XXXX XXXXXXXX XXXX at : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sincerely, Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to the FCRA this credit reporting agency has violated my rights as a comsumer. This reporting agency continue to violate my rights by not removing the accounts in question from my credit report. According to the FCRA 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have responsible cause to believe that the information is inaccurate. This agency continues to report inaccurate information on my credit report. This is one of many complaints that I have filed against this reporting agency and they only change the status of the accounts in question instead of removing the accounts in question. Futhermore I never gave this reporting agency written consent to furnish any information on my credit report. This also violates my rights as a consumer. According to the FCRA. The accounts in question are below. 

XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # 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 2023-12-02
Company: EQUIFAX, INC.
State: SC
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:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
They stated that for ME only this balance transfer was blocked. They refused to say why they have been steadily cutting down my credit limit each month and are refusing to honor purchases. These were not the original terms of agreement and they can't keep changing terms without notification and discriminating on me personally. I am a XXXX that can't afford to keep paying their disgustingly high interest rates.

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 2023-02-17
Company: FIFTH THIRD 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: Information belongs to someone else

Complaint:
I have been forced to file a complaint with the Federal Trade Commission and the Office of the Comptroller of the currency due to XXXX 's misuse of their dispute practices. Previously, I disputed accounts from XXXX XXXX XXXX XXXX XXXX and Fifth Third Bank. I disputed these directly with the companies as well as with all XXXX credit reporting agencies. XXXX responded to the Fifth Third dispute by reporting the account " Paid in Full ''. XXXX responded that the account was " verified ''. This is incorrect. They did not properly dispute any of these accounts and they are preventing me from re-initiating a dispute again with the updated information.

Company response to consumer: Closed with explanation