BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase bank cut off access of me using my cards knowing its my own credit that was granted for life, liberty and pursuit of happiness. They also never applied the presented securities to my account creating mail and security fraud. They withheld me from achieving excellence with my credit since banks dont loan money via XXXX and denied me a credit increase, which is eminent domain. The law states that anything over {$1.00} can be claimed and redeemed, which my rights were also denied.These unlawful actions are a breach of contract.I demand compensation and accounts be fixed and in good standing with unlimited access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alleged Auto Policy was engaged by XXXX XXXX, and dancelled by Insurance company prior to first 30 days, I did not authorize a policy, they canceled and then attempted after a few months to collect a full years worth of coverage payment ... which was not ever used ... then 1 year later after cancel sent it to CCS a 3rd party collection company to attempt to collect {$140000.00}, I received a letter from them and phone calls began on XX/XX/2019 several calls already, I called then and told them to cease and desoist, I was advised that it may be reported as a debt to the Credit Reporting agency ... Im fed up with these lies, I had to go to DMV motor vehicles past year to show NJ proof of Insurance coverage, last May ... to bio t get my ; incensed suspended, I avoided that and NJ dismissed the claim and sent a caution back to XXXX XXXX for a false notification ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I use XXXX and XXXX to monitor my credit scores. I have noticed a disturbing trend on my scores. Although everything published says you don't have to use your credit to build a good credit score, I have noticed that when I use 10 % of the limit of one of my credit cards ( it has a high limit ), increasing my credit utilization from a usual 3 %, my credit score jumps over 30 points. When I pay it off the next month, my score drops back down. It would appear that my credit score only goes up when the credit issuers think they will be getting interest from me on the account, not if I am more likely to pay it off. This has happened consistently several times. It would appear the credit bureaus are giving better scores to people who are more likely to have to pay interest on the accounts, not if they are more likely to pay the account off. At worse, this is a conflict of interest indicating that the credit bureaus are being encouraged by financial institutions to promote borrowers who they are more likely to make money on, not actually on their creditworthiness.

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 2021-08-18
Company: Experian Information Solutions Inc.
State: CT
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:
This is actually the consumer XXXX XXXX, I am submitting THIS request because I recently looked at my credit report and noticed so many inaccurate information being reported. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. I feel the inaccurate information that is being reported in regards to my name on ( MY CONSUMER CREDIT PROFILE AND THIS IS> is adversely affecting my credit report and costing me thousands of dollars in interest every year. I am requesting an investigation into the inaccurate information on my credit report by writing a letter to Experian. The information below is inaccurate and needs to be deleted immediately. 

child support enforcement Account Info Account number XXXX Account status Closed Date opened XXXX XXXX XXXX  Account type Child Support Balance on XX/XX/XXXX Loan Amount

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: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fifth Third Bank erroneously allowed a forced charge on a XXXX bill. XXXX erred by not converting my rental charge to monthly, instead opting to daily charges, which resulted in an overcharge/ force charge to my Fifth Third credit card. Fifth Third erroneously reported this balance owed to XXXX. Fifth Third also attempted to debit nearly XXXX XXXX dollars from my checking account, which was blocked and reversed by XXXX XXXX. Fifth Third also failed to apply for payments from a secondary third credit card I had paid off to the Fifth Third credit card account in question ending in XXXX. Fifth Third instead sent multiple refund checks to me for the overpayment of the credit card I had paid off. Fifth Third utilized their oversees collection agency to make numerous harassing calls to me despite me making payments to my credit card account in question, failed to provide me with statements for at least the last year, provided invoices and balances due for dates that were separate dates demanded by their emails ( The Fifth Third statements were demanding that payments be forwarded on the XXXX day of each month while Fifth Third emails demanded payments to be made on the XXXX of each month, and Fifth Third failed to thoroughly and professionally investigate my complaints regarding this disparity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: AL
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:
Im a victim of identity theft and I have been disputing for several months and they have ignored me although I have provided proof of identity theft and Equifax breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: FL
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 recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 
At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX - XXXXXXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX - XXXX XXXXXXXX  XX/XX/2022 These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved. 



Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: AZ
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:
on XX/XX/23 i requested that the company equifax send me the documents they stated on my consumer loan attached to debts they say i owe. I have no knowledge and asked for them to verify and i have yet tor receive any information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company allowed me to file an application for a XXXX XXXX XXXX, on about XX/XX/2022. I completed the application process and uploaded all requested documents. Neither in the application package, the company 's web page nor other promotional matters, pertaining to Home Equity Loans, was I informed or advised that this organization prohibited the use of XXXX Equity-based loans, for any business purposes. 

I waited 5 days for the notice of loan approval, but instead, I got a call, not a notice from XXXX XXXX, where, she among other things, said she think that my approval was denied, due to loan, purposes. Upon further questioning, I learned that she didn't even know what the loan restriction policies were. The loan officer was very uninformed, and more concerned about directing me toward a business loan, than answering my questions, regarding the following : 1. Why was my application accepted and processed, if the policy was to deny equity loans for business, purposes?

2. Why was I required to file all of the documents, and allow access to my accounts, and give permissions, if the subject company, denied all equity loans for business purposes?

3. Why was my application sent to underwriting for processing, if the financial organization, denied all loans for such purposes?

4. Why is this organization discriminating against XXXX XXXX and the general public, by denying access to home equity? 
5. The company 's two notices of adverse action are contradictory, confusing, and capricious. 

I believe that I was discriminated against due to my XXXX XXXX  status, in addition to having income based on government benefits and XXXX. 

I also believe that the company 's reasons for denial, are " facially discriminatory '' as well as arbitrary and capricious! 

Denying me access to the home equity in my home, based on the fact that I might use some portions for business purposes while approving loans for other purposes, is also " Facially Discriminatory, '' and a violation of The Fair Housing Act!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts do not belong to me and I'm disputing these accounts in accordance to the consumer laws of the FCRA. I've also sent in a police report. I'm asking that the following accounts are removed, and blocked from my credit file. [ 1 ] XXXX XXXX, {$310.00}, {$240.00}, {$180.00}, {$60.00}, either account belongs to me. 

[ 2 ] Dept of ED/XXXX {$13000.00}, {$7400.00}, {$4400.00}, {$3700.00}

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 2023-09-01
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was transferred to Mohela... they asked me to set up a new account so I attempted and got an error message. On the error message page it says " contact us '' with this reference ID. When you click to contact them and go through the hoops .... they will not let you contact them via web without logging in, which I can not do in the first place, that is the error. So I call the number... the number after waiting 10 minutes to hear the spheel about how you can access all these things online I finally get the option to choose a number to get help. They say it's a 71 minute wait. But! I can get a call back, so I choose that option. Before I can say " yes '' to confirm my phone number the auto voice immediately says " im sorry I didn't catch that '' and puts me into the que without any other chances to get a callback. It feels like they are intentionally limiting their contact options and putting folks through an outrageously long wait time in hopes that they will just give up and not have to be contacted. It's really not accessible to have that broken feedback loop on the website in terms of contacting. 

I also went to get feedback on studentloan.gov and the feedback page for that site is also down .... it just seems so suspicious to me that there is no way to flag these very apparent contact issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX UNVERIFIED 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 2023-09-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is for XXXX XXXXXXXX Account ending in XXXX and XXXX I have filed multiple XXXX complaints in the company either didnt respond or was grossly past due and ineffective Their extreme negligence has caused me a lot of damage and stress as I am a XXXX person. 
They are reporting two balances of over {$1000.00} However my balances should report XXXX. 
They are in violation with the Fair Debt Reporting. Information on my credit report must be reported legally and accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello, I am seeking help against Experian.com for negligence in allowing an unnamed person to gain access to my Experian credit account. Sometime in XX/XX/XXXX, someone was able to change my email address and password. Several attempts were made to obtain credit in my name. Thankfully, no credit was extended to this individual. 
Experian.com did not notify me of this change, and I have had to deal with the resulting fallout. 
This appears to be the result of a data breach into Experian inXX/XX/XXXX. 15 million Americans have been affected by this date breach. Please see this link : https : //www.identityforce.com/blog/experian-api-data-breach-impacts-nearly-every-american I have contacted Experian.com and they have not been very helpful. If fact the conversations I have had with their customer service department were, in my opinion, unsatisfactory and their attitude towards me were rude. I asked Experian.com to help me fight this identity theft and they have refused. Despite my repeated requests, they continue to allow the identity thief access to my personal financial information and social security number. 
I have been living in the XXXX for the past 19 months, and quite frankly want to stay here. Sadly, with the constant threat of someone gaining access to my bank account, someone has already tried, I have decided I have to return to the United States. 
This negligence by Experian.com has caused me a great deal of stress and extreme mental duress. I suffer from XXXX, I have XXXX XX/XX/XXXX, and with the constant fear of someone ruining my credit and my life, I am suffering. 
The best way to contact me at this time is by my email address of XXXX. 
Thanks, 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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2023-10-13
Company: Nelnet, Inc.
State: PA
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:
Back on XX/XX/2023, I applied for the government 's new income-based repayment plan, XXXX, and was almost immediately approved. Under the new XXXX XXXX, I would have a new, lower monthly repayment obligation. Nelnet still does not have updated information and is showing a much larger monthly repayment amount that does not reflect the approved XXXX XXXX  estimate. It's been almost exactly a month. It's impossible to get a hold of anyone in their customer service department, and I need to start paying back this month!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage account was switched from Huntington Bank to Huntington Bank back in about XXXX. When it was switched they stopped my automatic withdrawal so I had to go into the bank and start it back. Then about a month later I received a notice from the city of XXXX that I was delinquent on my taxes. I tried going to the back and no one would help I called several times over the phone finally they said they would fix it and said I was not responsible for the late fees. Then I checked on the delinquent taxes and they did charge me for the late fees. ( I have an escrow account ) Also it was stated they had not received any tax bills and the city of XXXX sends them out when they are due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: AZ
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 have tried to get the credit agency to respond to my written request in a detailed letter, but they never ever give me the answers to my questions in the letter enclosed. This a major violation and I am seeking that these accounts now be removed. I am also aware of Congress investigating into the violations of these practices and I demand that this gets deleted for 5 times of being ignored on my disputes. The response just says that the account is verified but with No proof of what I am requesting. 
Please make them accountable for their lack of compliance and get these removed All these accounts in question qualify to be removed immediately because of their flagrant disregard of my rights as a consumer.

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