BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: AES/PHEAA
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a current student of XXXX XXXX with XXXX classes left to XXXX. Back in XXXX I had taken some time off and put my loans on Forbareance or in deferment with a Fed loan. 

doing this over the phone I had thought that my Forbareance would not expire until Q1 of XXXX. There was a communication mistake made on either side. 

In XXXX and XXXX of XXXX, Fedloan had reported over 10 instances of late payments of over 90 days. I contacted them and spoke with them but there was nothing that they are willing todo. 

this has hurt my credit score by 120 points and is now stopping me from purchasing a property. 

logically speaking, even if I was paying for the 90 days, I would not have paid for all of the credits reported which is over XXXX worth of credit, when speaking with them they said they report it once, and because I have multiple loans the negative reports would multiply for example 10 times because I have 10 instances of loan for the classes I took ... 

So, for a single 90-day late payment, I got reported delinquency for over 10 loan accounts and is now sitting permanently on my credit score. 

this is not a fair act at all, jeopardizing my living by over-reporting and not fixing the delinquent reports. 

I am NOT delinquent, and I am still in school, XXXX  and XXXX  show delinquency of over 90 days for over 10 times of reports for a single loan. not logical or correct. the Fed loan is not willing to work with me at all. 

Fed Loan says that they had communicated the delinquency information over an email, however checking the email I see nothing! perhaps they went to SPAM? they are not taking students ' matters seriously and are acting as if it does not matter to anyone. 

I am willing to Sue this company to report my information correctly as they are not and are hurting me for mis information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: VA
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX 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 explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded my vehicle off and Chase received my payoff on XX/XX/2022 it is now XX/XX/2022 and they have still not processed the payoff. This is causing my account to be past due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My Bank of America account was fraudulently charged by Bank of America twice in the month of XXXX for payroll fees in the amount of {$26.00} ( XX/XX/XXXX and XX/XX/2021 ). Bank of America collected said fees twice from my account. I called 3 times to have this addressed. The first time I was routed to XXXX  even though I told the Bank of America person that my payroll is through Bank of America and it's partner in crime, XXXX. The second time I was routed to XXXX, but it was after hours. The third time the call took 52 minutes and at the end of the call I was told to fill out a form to request a refund and that that they would email me the form. The form said that the claim had to be made within one day of the incident taking place. The incident took place in XXXX and it is not XX/XX/2021. The Bank of America persons said that the " system '' charged me twice. This means that millions of Bank of America customers have been charged by the " system '' twice in this way. Bank of America has had a month to get this resolved and to refund the funds to customers and has failed to do so. Bank of America has failed to notify customers that Bank of America payroll service has double charged it's customers. This is theft.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. Equifax deleted the account and then placed it back on ). Equifax has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies has violated my rights. 

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 Co. 
XXXXXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Inquiry : XXXX 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 XXXXInquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$4500.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-24
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My savings, checkings and credit account all were randomly closed by Chime on XX/XX/23, over {$52000.00} in totality of the accounts. I received an email stating the balance of these accounts would be put into the checkings and a check for the total would be mailed to me within 30 days. I have received a check from Chime for {$59.00} and after multiple ignored emails to Chime about this major discrepancy I called Chime Customer Service on XX/XX/23 and XX/XX/23, during both these calls Chime confirmed the check should be for the balance of over {$52000.00} but could not explain why this was not the case and said they would be escalating the case further up the Chime team because they could not solve the problem. On XX/XX/23 Chime sent one email stating Your account was identified for closure and does not qualify for a refund. No further explanation on where my money is or why I received a check that Chime has verified to me was for the incorrect total.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
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:
15 U.S.C 1681 Section 604 A Section 2, It states that a consumer reporting agency can not furnish an account without my written instruction 15 U.S.C 1681 Section 602 A. states that I also have the right to privacy.

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 2023-10-06
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My card and id were stolen ; I was told to go to XXXX ( netspend XXXX prepaid mastercard ) and get another card which would be then added as an associated card. I then attempted to activate it as an associated cared on the account to act as a temp card ( they still had my temp card from over a year ago active on the account ande never deactivated once the permanent card arrived ). They closed both the stolen card and the prior associated card then went to create a " NEW '' account which then had verification issues. They then wanted me to send in information which has already been provided to them prior when there was unauthorzed carges on the account they deactivate. Then they wanted to charge me XXXX for an expidited replacement for the deactivated card, when I blew up and started asking for supervisor they then waived the fee ; however this still didn't provide me access to my funds as I am a diabetic and needed the funds for medications mainly insulin, I threatened that if I got XXXX  as a result would sue to which they transferred the mon XXXX to a XXXX wire transferee which sent me bounding around to XXXX locations as they wanted me to try different XXXX vendors ; which all failed due to my ID being stolen so I couldn't withdraw my funds. I then going into XXXX on the phone with them as hold times often exceeded XXXX minutes, the agent then informed me they would just cancel the moneygram and that I could get a friend to signup and then we could just transfer the funds to his account. I went back to per their instructions XXXX and attempted to buy another card which shows curently only XXXX to activate ; however they required a min deposit of {$10.00} which because they were holding my lawful funds XXXX I could not get access to mind you that they told me all I had to do was get the card nothing about a new deposit etc. The also didn't tell me about having a valid up to date id for the moneygram as since mine was stolen well that was impossible as could not get new ID because again they are holding my funds XXXX. When we got back from XXXX my friend/remate then activated the new card it said nothing about any restrictions on the card. I called XXXX back ; and both roommate and I were informed that they could not transfer the funds because there was a restriction on the acct that he would now have to wait for the permanent card before he could get transfers into his account. I started all of this at XXXX XXXX and at the time this complaint was filed it is XXXX : XXXX XXXX and still not resolved - this should have been a simple associated card to an account not opening up a whole new acct So I have paid for multiple " new accounts '' to be created and still do not have my money.

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 2023-10-10
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I notified my prior mortgage servicer I would be submitting a request for borrower-initiated termination of conventional mortgage insurance based on current value of my property. I requested the forms and instructions for submitting the request, which were provided in advance ; however, about 30 days prior to the two-year seasoning of the mortgage loan I was notified that servicing of my mortgage loan was being transferred to Newrez. I contacted Newrez immediately after the mortgage loan was transferred to inquire about their forms and instructions for submitting the same request. Newrez has stated several reasons for not providing the forms in both email correspondence and phone conversations : 1 ) I need to wait up to 60 days after the mortgage loan was transferred, 2 ) they have to establish a PMI account first, and 3 ) they can not provide forms or instructions in advance of the two-year seasoning of the mortgage loan. None of these are valid. My right to initiate termination of mortgage insurance is a XXXX XXXX servicing guideline and the mortgage servicer has no right to impose policies which impede my request. The information provided by Newrez is misleading and predatory. While they attempt to delay termination of mortgage insurance, the consumer is required to continue paying the mortgage insurance they had a right to terminate. We are also in a market of declining home prices, so there is the potential that delaying my request for termination of mortgage insurance could result in a lower home value that would no longer qualify for termination of mortgage insurance. The transfer of my mortgage servicing to Newrez was strategic and intentional. The effort to complicate termination of mortgage insurance only benefits the mortgage servicer and mortgage industry participants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: OH
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:
I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX A ) Account # : XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX. XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account # : XXXX XXXX. XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.

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 2022-09-05
Company: Experian Information Solutions 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:
Open : XXXX XXXX Amount : {$1500.00} Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe that the information is inaccurate.

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