BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I mobile deposited a insurance check from XXXX XXXX XXXX was told there would be a XXXX day hold on a check after XXXX days I received a letter saying it would be a XXXX day hold on a check they froze all my accounts even the money that was in the checking account before the holes were placed on this check I cant get any answers from PNC. No one retires my phone calls and my account is still frozen after 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Week or so prior XX/XX/18 saw ad on web page from Discover, for balance transfer at 0 % /14months. I applied for {$14000.00} + 3 % fee. They answered showing the total amount, and informed " Approved '' - I would be getting card soon. XX/XX/XXXXrecvd card and checked with my bank to see if transferred - Not so, therefore called Discovery who claimed I was only approved for {$950.00}. plus {$50.00} left on card. Very upset and talked to Supervisor in Ohio ( XXXX, Badge XXXX ) - Informed her this was misrepresentation/Scam/Fraud and wanted card cancelled and transfer not made. She claimed amount in process and the only option was to contact my bank asking them to return the {$950.00}. ; but I declined as did not want to get my bank involved in their mess, so just asked the card be cancelled and they should inform the credit agencies as this would affect my credit score. Aside from cancellation, they could not do anything else. I have ripped the card but now I am stuck with another separate loan payment. They need to inform people of amount approved before sending card. Seems to me a good scam to provide addtl cards, possibly with intent people will use them when desperate, and at a LOAN SHARK rate. Pls look into their practice method. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the XXXX plan on the DOE website XX/XX/XXXX and was approved. I was given the payment amount of and I was prepared to pay the payment amount for XXXX. Then I got an email from aid vantage saying I owed a payment amount that was hundreds of dollars more, and they separated the payments into a {$320.00} and an {$85.00} a month payment for a total payment of over {$400.00}. According to my XXXX plan I was approved for the payment amount was around {$180.00} a month. I immediately tried to call aid vantage to get this resolved.Ive called now several times. The first call was XX/XX/XXXX. The second call was XX/XX/XXXX. Both times I sat on hold for literally hours, until my cellphone battery died from waiting on hold. I have not received any correspondence from aidvantage acknowledging the payment plan application and I can not reach anyone to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  @ huntington contacted us to fill out a packet and return via email to them to stop the foreclosure process on XX/XX/20 we emailed hem the information they requested. Next day another email came in saying they couldnt open the emails, so we emailed the packet again on XX/XX/20. In the mail on XX/XX/20 we received a letter from Huntington bank stating Notice of Intention to Accelerate and Foreclose if payments were not received by XX/XX/20. We tried to ask via email a contact name for our case with no response. We tried to call on XX/XX/20 and not one single person in the department at XXXX that day. As of today XX/XX/20 we still have had no response from Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: AZ
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. 
Account name : XXXX XXXX XXXX, Account name : 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 instructions15 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 explanation
Consumer complaint received 2022-05-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ), balance is {$480.00}, and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$1700.00}

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 2018-06-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/14i visited XXXX XXXX dental office for extraction inform them at time of visit that i changed dental insurance from XXXX XXXX XXXX to XXXX XXXX gabe my XXXX XXXX card paid my copay and the billed XXXX XXXX XXXX and XXXX XXXX for services when XXXX XXXX inform me and said for them to resubmit without XXXX XXXX on bill they did not my XXXX XXXX # XXXX group # XXXX i work for XXXX XXXX insurance automatically come out my pay i ask XXXX XXXX if i could pay one dollar just to get it of my report they refuse dont see how this could be my fault if the billed incorrectly XXXX remove it and so did XXXX. XXXX wont even let me file a dispute again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have not been allowed to send or receive any money for over a year and am being treated like I am a criminal without basis. I was sending money to XXXX to my friend who is a widow and with child. I was sending money to my family in XXXX where I am originally from. Not a lot of money ; just enough to support her and her child in XXXX and my family in times of need. Then someone that is not a US citizen calls me from Western Union and asks me questions that I answered honestly and without hesitation only to be banned from sending and receiving any money from Western Union and XXXX forever. I do not believe non citizens should have this kind of control on US citizens. Kinda scary. I thought the ban would go away only to find out it is indefinite. I have heard from others who send money to XXXX that have had the same happen. I am where I am from. I should not have to cut ties from everyone I know because some foreigner thinks I am being a XXXX by sending a couple XXXX dollars that doesn't even buy dinner for a family in XXXX to starving people that can eat for a month. I would like my rights reinstated and taken off whatever list I am on because XXXX banned me the same time without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Division of Child Support Amount {$990.00} XX/XX/XXXX NYS Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.

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 2018-09-10
Company: Navient Solutions, LLC.
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:
I am writing this in an attempt to have a potentially devastating financial situation from happening. In XXXX of this year I contacted a Navient representative to discuss the financial hardship I have been facing and the impact that my adjusted loan payment would have on my family. I was assured by the representative in XXXX that, due to my financial hardship, if I resubmitted my information at studentloans.gov that they would lower my monthly payment amount to {$0.00}. 

I followed the representatives instructions and was told to wait to get confirmation of the new payment amount the following month. As I was checking my e-mail yesterday I received my payment information and was stunned to find that it was not {$0.00}, but in fact {$270.00} monthly. I made a phone call during a break at work to call to find out what had happened. The representative, while pleasant on the phone throughout the process, informed me that the representative that had guaranteed a $ 0 monthly payment due to my substantial financial hardship was wrong and that I would be expected to make a payment once my temporary forbearance period ended in XX/XX/2018. 

I have worked at non-profits and for both state and county governments over the last decade and it has done nothing to help my student loan situation despite being promised that it would. I was advised today by the Navient representative I spoke with to reconsolidate my loans with XXXX XXXX to try to get into their forgiveness program. Unfortunately, I am having a hard time trusting anything that a Navient employee has told me as it has caused a fair deal of grief. I was unaware of the possibility of income based repayment being low when I had lower monthly wages and because I was advised to use forbearance and deferments I am now left in a situation, where like many in the class action suit filed against Navient, I cant use those services when I need them most.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
about XX/XX/2020 I received 2 separate debit cards in separate envelopes that I had NOT applied for from the Chase Bank. Two days later received two separate letters from the Chase bank with copies of cancelled checks, stateing that they were not opening an account for me -- -an account I HAD NOT APPLIED FOR! ( We have NO accounts with Chase Bank and there is no Chase Bank anywhere near us! ) Not knowing if these letters were from a bogus place, I contacted our local bank and they put me in touch with XXXX XXXX. I found that someone had stolen my idenity and had set up at least 2 accounts with Chase Bank and tried to set up more. With XXXX XXXX  help, I contacted Chase Bank on XX/XX/2020 and talked with their Fraud department and gave them all the information they requested. They assured me they would follow up and handle it so that my good credit would not be damaged. I followed the directions of XXXX XXXX  and filed a report with the local Sheriffs dept., contacted all the agencies they recommended and thought it was corrected at the Chase Bank. Since then I have received statements from Chase, first detailing I have a Minus balance ( on two different accounts ) but now I am receiving statements from Chase and the minus balance has changed to a POSITIVE BALANCE and they are demanding payment. So once again I called the Fraud dept. of Chase Bank onXX/XX/2020 and talked with a rep. She went through the computor and SAID SHE FOUND NO RECORD OF ANY REPORT BEING FILED IN XXXX OF FRAUDLENT ACTIVITY! I was on the phone in XXXX for almost an hour with the Chase representative but no record was found anywhere. So once again I talked with my contact at XXXX XXXX and I again had to file with the fraud dept at Chase Bank. I have spent hours dealing with this and can not understand how something so simple as a report given to a person with a computor is not logged properly. I was on hold to talk to the Chase bank on XX/XX/2020 for 1 hour and 45 minutes and another hour getting this straightened out!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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:
Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off

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 2022-05-04
Company: NCB Management Services Inc.
State: FL
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 have a lot of inquiries I have no knowledge about and open auto loans on my credit report profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Nelnet, 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:
Nelnet continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681 ( b ) permissible purpose of consumer reports 15 USC 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 disclosure of personal information to a third party without authorization is considered " identity theft '' In reference to late payments reported by : XXXX XXXX XXXX In reference to credit usage : 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 explanation
Consumer complaint received 2019-06-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and XXXX XXXX submit these letters of negotiation on several credit cards through the Consumer Financial Protection Bureau to show good faith to our creditors. We have gone through medical issues and job changes, and are now in a much better position to resolve our debt matters in an orderly manner. Accordingly, we submit these letters of negotiation as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A new company ic is trying to damage my credit with an old debt from XXXX. This account was already resolved

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