BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX  Balance Owed : {$550.00}.

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
Consumer complaint received 2023-04-10
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXXXXXX XXXX are stating i owe them XXXX for a service call that was cancelled. Hurrican Ian hit us in XXXX FL in XXXX 2022, my pool heater stopped working. they told me it would be 6 weeks before they could get here i called them two days later to inform them i had a company coming out in three days. They were ok and cancelled the appt. In XXXX i received a call stating i owed them for a service call. i explained i had cancelled and a technician did not come to our house. they told no problem ; they would take care of it. in XXXX i receive a bill in the mail. I called again, they were apologetic, and they were to remove the balance. in XXXX i received a collection letter from A.R.M services agency Account number of XXXX collection services stating i owed the amount. i wrote the company ARM and they were contacting the company. I called XXXX XXXX and the lady told me they were on a new system and that's why there were no records, but it was out of their hands. I have a great credit score of XXXX and want to keep it that way. please help me to reverse this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I have had a creadit score around XXXX for over a year now. ( adding report attached ) I recently submitted a dispute through XXXX regarding what I believed to be the biggest reason why the score was not hitting XXXX, which was a false claim from AMEX/XXXX - Account XXXX. They posted that I have had a late payment 2 years ago. 
Today, I receive a notification from XXXX that my score decreased XXXX points. 
I suspect this is either an error or a result of actions of retaliation post my dispute either by XXXX or the AMEX account. 
.I was not offered information in regards to the decision either. I look forward to your help. 
I have worked very hard to build my score and this is beyond unacceptable. 
Thank you so much

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
XXXX XXXX XXXX keeps reporting my account open although the account is showing closed and paid with a {$0.00} balance on their own website. I paid the {$1700.00} on XX/XX/22. I was deeply impacted by the shutdowns with an inability to make a living due to the pandemic and I made them aware of the situation but they provided no relief to me. All I want is for the account to be reported accurately and closed out. This should have been done well over 2 years ago.

This has been an on-going issue with Transunion holding onto old data that is completely wrong. They keep saying that its accurate and that this is what XXXX XXXX XXXX keeps reporting. I'm being financially harmed by this false  info and should be compensated. I have submitted proof that this was paid off and closed.

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 2022-09-27
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:
I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX 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 2023-12-16
Company: General Motors Financial Company, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I leased a XXXXXXXX XXXX XXXXXXXX. At this time, I signed up for automatic payments. 

In XX/XX/XXXX, the lease amount changed due to from what I understand as taxes, without notification and GM Financial unenrolled me from automatic payments. 

In XX/XX/XXXX, I called GM and paid the XXXX payment on XX/XX/XXXXXXXX XXXX XXXX  and reenrolled in automatic payments. At this time, GM verified I was reenrolled in automatic payments. The next month, GM again unenrolled me from automatic payment without notification. On XX/XX/XXXX, I called GM and discovered they added late fees and late payments to my record. At this time, I paid off the entirety and again reenrolled in automatic payments. 

At the end of XXXXXXXX GM submitted this to the credit bureau and my credit score significantly dropped, as well as my 100 % on-time payment. 

I contacted GM about this and submitted a dispute on XX/XX/XXXXXXXX  However, it went unanswered. 

Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Around XXXXXXXX XXXX XXXX someone scammed my bank account with Huntington bank and now Im receiving letters and phone calls from them that Im responsible! The scammer got me for almost XXXX! Someone called in to Huntington bank pretending to be me and did 12 chargebacks on transactions that I had done and Huntington bank allowed it! They didnt call me to check or ask me if I authorized the chargebacks! Now their trying to blame me and I had nothing to do with it! I even filed a police report ( which Huntington asked me to do but it didnt help ) and the officer couldnt find anything! XXXX XXXX XXXX XXXX and Huntington bank believes the scammer! They never investigated it and just left me responsible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Below is a list of unauthorized inquiries made on my credit file XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXf XXXX XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received two checkbooks with two different accounts from TD Banks with my name and address indicating that I have opened up an account.

I called TD Banks and advised them that I do not know these accounts, and they instructed me to contact the fraud department. Someone may have used my identity to open an account online. I advised them most banks open an account online and asked for a photo id why it wasn't done. They couldn't give any answer but to call the fraud and report stolen identify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my home on XX/XX/XXXX and it has always been owned by XXXX XXXX but it has been suddenly sold to some other entity without my knowledge in the midst of covid-19 pandemic.i am currently on moratorium status. 
As of today XX/XX/XXXX my servicer will be XXXX XXXX XXXX telephone # XXXX and previous servicer was no Morgan chase bank telephone # XXXX. 
Is this action legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
If the XXXX forces big financial institutions to be more transparent and accountable so investors have a greater say in company issues, and if they strengthened enforcement of existing laws and eliminated loopholes that allowed risky and detrimental behavior.Than why is Experian getting away with what they have done to my credit report. I have been checking it daily since XX/XX/XXXX because I'm finally at a place in my life where I can start working and fixing on my credit I been noticing some very risky behavior that is not transparent whatsoever it's obvious and I saved it so I can show you exactly what I mean by risky behavior because these little changes to my credit report it started with invalid information on XX/XX/XXXX so began a dispute so on XX/XX/XXXX it was changed to more recent accurate and valid information so I figured well they updated it and that's great because that's more accurate then I go back on the old reports to compare the differences to the new fixes on my report to the old report which was horrible and on the old report it shows valid information as well with the date of XXXX when I pulled my first credit report from the year also on that report it showed nothing of any differences which was kinda confusing to me but I just left it at that. Now what I have a problem with now is I checked it again yesterday and everything was back to how it was at the beginning horrible innacurate again and of course that has to make me look bad because it's innacurate they have payments and statuses filled in unknown and dates wrong again and just basically Making me look bad I pull the old reports again as well and it's back to the horrible report again this to me is not risky behavior but it's causing tremendous damage to my credit and I want something done about this immediately Experian is the only credit reporting agency out of the three that is doing this to me and the way they subtitle the dispute information before I start a dispute with them is expressed with very derogatory statements for example. you can dispute this account but more than likely it's not gon na change and basically what they are saying if I dispute the account information they have on my credit report it's just a waste of time because nothing is gon na change. That to me is very unprofessional it probably makes people like me who pay attention to stuff like that think they don't have a fair chance I have screenshots I saved of the differences from XX/XX/XXXX until yesterday of the what I believe intentional changes of the information on my credit report that has obviously harmed my credit

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 2023-10-12
Company: EQUIFAX, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX XXXX XXXX XXXX. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet has notified me that my account is past due yet I have not yet received a mailed statement for that account. 
I have emailed Nelnet at least four times but have not received a response.

Im assuming that interest is accruing but they will not send a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I want to complain about Lakeview Loan Servicing LLC, servicing by XXXX ( again ). I filed the complaint them in XXXX after they gave me an extremely hard time to customers in order to remove PMI and then solved the problem immediately. This time, again, they gave me an extremely hard time to remove the escrow account for another loan that I refinanced with them in XX/XX/XXXX. In XX/XX/XXXX, they rejected my escrow removal request using the reason as " The investor requires that you maintain an escrow account on your loan that was closed under a Texas Equity Section 50 ( a ) ( 6 ) Mortgage program. '' I did not really understand what it meant and just let it go. Recently I wanted to remove the escrow again because I had been very troubled by these escrow accounts to automatically pay off my home insurance renewal while I had already chose to use a different insurance. I had to go back and forth to get refund from the old insurance company. So to avoid this pain in future, I decided to remove the escrow account again. I first tried to send the removal request online but their website showed the message saying my loan LTV was higher than 80 % so that they could not let me remove it. This is totally wrong because my LTV was only 75 % even when I did the refinance. Then I called XXXX. The staff first told me I should not be able to remove the escrow because the Lakeview requires 24 months ' payment instead of 12. Then she saw my denial letter from last year and then claimed I could NEVER remove the escrow account because my loan was a special type under a Texas Equity Section 50 ( a ) ( 6 ) Mortgage program. She claimed this was written in my signed documents when I started the loan. Given my previous experience on how they faked all kinds of excuses for not letting me remove the PMI, I guessed they were doing it again. So I asked the loan agent who did this refinance mortgage for me to check all of the signed documents for this loan. My agent confirmed that my signed document NEVER mentioned " Texas Equity Section 50 ( a ) ( 6 ) Mortgage program '' anywhere. Plus, there was no any sentence to say this loan had any special difference from regular conventional loan. There was no place to ever write that I could not remove the escrow account in any signed documents. I understand their motivation was to get my escrow money for free with XXXX interest to grow their own money. However, what they do to me is simply not ethical. Therefore, I have to seek help again here to let Lakeview remove the escrow accounts for me. Thank you very much!

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, my XXXX phone and phone number were hijacked and I was unable to use my phone. I contacted my phone provider, XXXX, and informed them of the issue. I was then instructed to buy a new XXXX card. Unfortunately, this did not resolve the problem. 

On that same day, I received notification that my XXXX account was utilized to set up an XXXX account and subsequently used to sign into an XXXX XXXX. I do not own an XXXX and I have never had an XXXX XXXX account. It appears the hackers were able to use my personal information to create an XXXXXXXX XXXX and to gain access to my Chase Bank and XXXXXXXX XXXX  accounts. 

The hackers also deposited a fraudulent check for {$5000.00} payable to XXXX XXXX, and a fraudulent cashiers check payable to XXXX XXXX XXXX, to increase the amount of money that they could steal from the account. Their fraudulent indorsement of the check to XXXX XXXX said for electrical deposit only. I do not know anyone named XXXX XXXX or why Chase allowed that check to be deposited into my account. 

On XX/XX/XXXX, I reported the fraudulent activity to Chase Bank. 

On Monday, XX/XX/XXXX, I went to a local Chase branch and discovered that {$4000.00} was stolen from my account and that the account now had a negative balance of {$5600.00}. 

On the same day, {$2400.00} was stolen from my XXXX checking account. Thus far, XXXX has returned {$2000.00} of the stolen funds and is still investigating the fraudulent transfer of {$400.00}. 

On XX/XX/2023, I received a letter from Chase stating that my claim was denied because Chase found that the transaction ( XXXX ) was processed according to the information [ I ] provided or was authorized. The letter stated that I could contact Chase if I wish to review the information it used in its research. 

On XX/XX/2023, I filed a police report with the XXXXXXXX XXXX  regarding the identity theft that occurred on XX/XX/XXXX. 

I have followed up with Chase numerous times since then. I still have not been able to review any of the information or documentation it used in coming to its determination that no fraud occurred. 

On XX/XX/2023, I contacted Chase seeking clarification on the reason for my denied claims and to request copies of the documentation it used in its research. During the conversation with a Chase representative, I was informed that my Claim # XXXX, amounting to around {$10000.00}, was denied due to the payment being made via XXXX XXXXXXXX XXXX The transaction description read " XXXX XXXX. '' As I mentioned previously, I owned a XXXX phone during the time of the transaction, and XXXXXXXX XXXX XXXX  functionality is exclusive to XXXX. Despite my attempts to explain this to the Chase Bank representative, they ignored my statements and refused to provided me with any documentation supporting its contention that the transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Maximus Education, LLC dba Aidvantage
State: VA
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 was previously with XXXX as my service provider paying ~ $ XXXX for my student loans. Then student loan payments were paused for XXXXhree+ years, and when I get an email notice that my payments are going to be resuming with my new provider, Aidvantage XXXX I login to my account and notice the monthly payment option is $ XXXX than what I was previously paying. When I emailed Aidvantage for an explanation I was not responded to within two business days as they indicated. I called a week later, waited 40+ minutes on hold to even speak with a person, and they were unable to tell me why my payments had increased. I was not on an IDR with XXXX, and they kept saying I was on Aidvantage 's " standard '' plan option. They tried to push me towards an IDR plan, which I refused because I a. probably won't qualify, and b. I shouldn't have to be on one because they adjusted my payments. I did not choose my service provider, I did not choose which " plan '' I was on with them, and was given no explanation for why my payments would have increased. I was never informed my payments would be increased, I received no new Truth In Lending Agreement, or payment schedule with Aidvantge nor did I ever agree to pay more per month for my loans. They violated UDAAP by expecting me to pay a higher amount with no explanation, and instead of doing the right thing attempted to lock me into one of their IDR plans in the hopes that I would then be ineligible for any future student loan forgiveness.

After being on the phone with Aidvantage for an hour and fifteen minutes, and being put on hold multiple times because the agent could not explain why my payments had increased, I was subsequently hung up on, with no resolution or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am not liable for this debt with XXXX, XXXX, XXXX XXXX. I do not have a contract with any of these companies, and they not provide me with the original contract as requested.

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