BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-05
Company: GREAT LAKES
State: TX
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:
XXXX XXXX and Great Lakes continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new penfed account on XXXX XXXXXXXX 
Made 2 mobile deposits on XXXX XXXX for {$3400.00} & XXXX XXXX for {$5900.00}. 

My deposits were placed on extended 5 days hold for new account deposit. 

After XXXX day. Penfed blocked my online access. 

I called Penfed and they require me to submit 2 identity verification. 

A copy of government-issued ID and selfie holding the ID. 

A XXXX utility statement for address verification. 

Uploaded them as instructed. Called Penfed to verify receipt. 

I contacted penfed multiple times and the last was made on XX/XX/. 

Penfed refused to give me a reasonable explanation on on unlimited day extension as they want.

Its on hold for 22 business days since XXXX XXXX. 

Penfed bank is BREAKING their own written rules and policy. 

KNOWINGLY ENFORCING and VIOLATING the law and rules that were made by REGULATION CC. 

However, they're ENFORCING a new rule not listed on the Agreement i signed when i open the account. 

I needed help from regulatory federal commission for the DISCRIMINATION, UNFAIR PRACTICE. 
Most importantly disobeying the law that was made years ago by the govt to help consumers being discriminated solely solely and purely at the mercy of the bank.

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 2019-12-06
Company: 21ST MORTGAGE CORP.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
It took three months to close on this mortgage. After illegally demanding additional documents, the XXXX XXXX  in charge of this company then demanded copies of personal drivers licenses. The company 21st Mortgage is headquartered in Tennessee, where such activity seems to be fairly common. After three months of complete negligence, XXXX harassment and incompetence, the final check was then made out to the wrong entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
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. 

The letters are stated with items and issues. 

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
Consumer complaint received 2019-12-05
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this and would like it removed immediately. This debt should have never been sold to company to begin with, this is not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: MO
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 formally requesting with this CFPB complaint to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Under the provisions of the FCRA, I need the following items corrected : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$450.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019

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 2018-09-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, I was notified about two Fraud attempts on my Chase Freedom Credit Card. My online banking was suspended. I was told I needed to verify my identity in person at a branch with two forms of identification. I spoke to XXXX and XXXX about the credit card attempts and informed them it was not me. 

XX/XX/XXXX, I noticed checks were deposited on my account but they were not deposited by myself. They seemed to look similar to my payroll checks from my employer but not authenticate. I also noticed quickpays out of my account that were not done by myself. I called Chase and was told once again that I needed to go to a branch with two forms of identification. That morning I went to a Chase branch, closed my checking account and opened a new one like the representative advised me on the phone. I filed a claim about the checks and quickpays. 

XX/XX/XXXX, I received an email that I needed to verify an external account that was added to my account. I went to the bank again who told me it was on the old account and that the notification was in reference to the quickpays. 

XX/XX/XXXX, I was at a Chase branch when I found out my bank accounts were frozen and it became a deposit only account. I had to cash a payroll check to make sure I had access to funds. 

XX/XX/XXXX, I went to the ATM and saw I only had XXXX XXXX dollars in my bank account. I spoke to a banker and was told my claim of {$3700.00} was still pending but received a credit XXXX XXXX dollars was added to my savings account which was still frozen. 

My complaint is that someone other than myself had access to my online banking. Chase has done nothing but failed me. I have been a customer for over ten years and I have worked in customer service before which knows how I should be treated as a customer. I'm clearly a victim of identity theft and feel like Chase has treated me as a criminal. Someone forged my signature, deposited counterfeit checks and did three quickpays which seems like this has federal crimes all over it. I just want my money refunded to me which was in this case stolen from me via using my online banking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my bank account that was in good standing, I ran a credit report, and all came back clear. I have a FICO score of 815-820. Chase refuses to tell me why they closed me down. All they write is that I am guilty by association (?? ). I suspect discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2022 my car was broken into and my debit card, license and other materialistic things were stolen. The person who stole my debit card proceed to go to a XXXX XXXX located in XXXX XXXX, XXXX The transaction ran as credit and the purchased was authorized for XXXX dollars. I called my bank ( Wells Fargo ) and asked for it to be disputed and to get my money in return since I did not authorize this transaction. The bank opened a claim and closed the case and denied it twice. The bank told me since it was a debit card they cant help me. Although I had video surveillance of my car getting broken into and a police report, the bank still refused to give me my money back. They told me to go to the store they made the transaction at and the manager told me to go to my bank that they should be able to fix the problem. I called their customer service line and the same thing they said to go to my bank. I text the service line, once again Im told to go to my bank. Both parties are not helping me out when I have proof of everything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
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: Account information incorrect

Complaint:
on XX/XX/2021, i sent a letter to XXXX about some incomplete and inaccurate items that there are reporting on my credit report and has not verified them.i sent it usps certified mail w/tracking # XXXX and hasn't heard from them as of yet. 
on XX/XX/2021, i sent a letter to XXXX w/tracking # XXXX XXXX XXXX XXXX XXXX and hasn't been verified, on XX/XX/2021, i sent a letter to Equifax w/tracking # XXXX XXXX XXXX XXXX XXXX about inaccurate information as well with no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently disputed late payments that are showing on my credit report for my auto. I noticed this back in XXXX and started reaching out to the bureaus and the company I have my car with. I asked the main bureaus to investigate this and update my payment as it should be. I receive a letter that the information was accurate, and they would not be investigated because they think their information is accurate. What I ask them for was the payment history to show that I was late because this is clearly a mistake on their part and it's causing my credit score to be low and me being denied for a home loan I've applied for. I was never informed of any late payments. That means that I would have a late fee and I was not aware of that. I would like this to be corrected ASAP.

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 2023-06-05
Company: Experian Information Solutions 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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
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 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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX BANK 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 2023-05-02
Company: Upgrade, Inc.
State: NV
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:
Credit card company upgrade approved me for XXXX credit amount with an option to transfer old credit cards balance into the upgrade account I transferred the amount of XXXX from my XXXXXXXX XXXX XXXX  The following week upgrade dropped my approval amount down from XXXX to XXXX approval amount.. Placing my upgrade credits card in high and risky on my credit report downing my credit down several points.. Putting my credit account in disarray in freefall

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, EQUIFAX MTG  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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 learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2018-09-05
Company: Navient Solutions, LLC.
State: IL
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:
Multiple times if I was having trouble staying current on my student loans, I was only offered forbearance instead of any other option to make my loan more affordable for repayment. I was never offered any income driven options. In fact my loan was placed into forbearance 3 times over the life of the loan so far, equaling several years of interest accruing. To give details ; the initial amount borrowed in XX/XX/XXXX was {$67000.00}. The current that is owed as of XX/XX/XXXX is {$65000.00}. My monthly payment is {$600.00}. How can I possibly have only paid off {$2100.00} on my loan over the span of 17 years! This is outrageous! 

In every conversation Ive had with a representative of Navient ( Sallie Mae ) when they are calling to try and collect a payment, they always add the upcoming payment that may not even be due yet to the amount they are trying to collect. This makes it sound like I am farther behind on my payments than a truly am, and is very deceptive. 

When Navient took over Sallie Mae, they reported late payments that were over a year old on the new Navient account. This put a mark on my credit and decreased my credit score significantly. I filed a dispute on my credit report, but the mark still remained. Recently, I applied for the Public Service Loan forgiveness program. Navient was supposed to put my loans into forbearance during that time but didnt and now I have more late payments showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit to my Bank of America checking account after being assured by the teller inside that the funds would be available immediately next day. Then I get a pringlt out stating the funds are on hold until the XXXX. I call and they tell me the funds will release on the XXXX by 9XXXX. Funds were still not released on the XXXX. I call again and they now tell me the funds are on hold until the XXXX. 

The check deposited was a pre printed payroll check that will withdraw funds from another Bank of America 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 explanation