BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days

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 2019-01-03
Company: Navient Solutions, LLC.
State: AZ
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:
I currently have 5 direct loans serviced through Navient. I recently paid 2 of my 5 loans off. 

When paying the loan online, Navient quoted one price but it turned out that the loan was actually a lesser amount due. I over paid the amount owed, and realized I had over paid the loan 2 weeks after the payment was made. 

I contacted Navient in regard to this situation, and requested a refund for the over payment amount. Navient responded with an apology for their system not catching the error and submitted a request to their refunds department. 

On XX/XX/XXXX, I was told that a check had been cut and sent to my address. Around XX/XX/XXXX I noticed I had not received anything in the mail and followed up with Navient. 

Navient then told me the process takes about 3-4 weeks to receive the check in the mail. I made them aware that time period was closely approaching and I would wait for my check to come as that 4th week approached. 

On XX/XX/XXXX, I called Navient again, they told me they hadn't sent the check the first time that it was actually sent XX/XX/XXXX. I would then again have to wait 4-6 weeks for my check to arrive and that it was no fault of theirs but the U.S. Treasury 's and there was nothing they could do to expedite my payment. 

On XX/XX/XXXX, I called once again, and I was told they didn't know what happened to my check but I should get it whenever it arrives and the U.S Treasury is the hold up. I then spoke with a manager and he was able to cancel the check and offer to put the funds directly in my account. I agreed. 

The manager then cancelled the check then told me to expect to wait another 6 weeks, as I would have to go through the waiting process all over again, because a different form of payment was being processed. I angrily asked, " Why he didn't explain this to me before he cancelled the other check?? '' He had nothing to say. 

I called again today and was given the same run around. He even went as far as to say, " Maybe we already paid you, and you just forgot.. '' The agent used the same script as the other agents and nothing is being done to refund my money. 

This isn't right and I feel this should be looked into. Granted the over payment money may not be much to most people, I work very hard for every penny I have and people shouldn't be treated like this.

Any assistance would be greatly appreciated. 

Thank you. 



Step 4 : What company is this complaint about?

Step 5 : Who are the people involved?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 having an issue reviewing my Chex Systems Consumer Report # : XXXX online with Chex Systems.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This collection account is paid in full with {$0.00} balance however XXXX and TransUnion continue to report the account as open and active. XXXX XXXX XXXX have removed this account from my credit report. There has been no communication or evidence provided that the account dispute has been actually verified. 
I have repeatedly asked this account status be updated and removed since XX/XX/2021. TransUnion always comes bdvk within 7 days as verified with no documentation 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 explanation
Consumer complaint received 2023-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Unable to access any customer service at Capital One 360. " Contact Us '' link provides no way to contact any customer service. Only offers help articles with false instructions and a phone number with only automated information. Getting a live representative on the phone who will hear and resolve a problem is near impossible. Getting a supervisor or someone with authority to resolve an issue is also near impossible. Nobody will explain anything. Always excuses and long holds making the customer hang up. Could never resolve issue. Capital One is unilaterally closing my account with no explanation or recourse. They acuse me of disrespect and abuse but it is Capital One which has been an abusive and disrespectful banking institution by mismanaging my funds and providing no customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Credit card or prepaid 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:
Just received the cards and tried to follow the Bank of America app to activate the card. Instead Im met with a message saying there has been suspicious activity on the account. I just got the card! I have called several times and even tried using other ways to activate the card. Im confused how a card I just got, a brand new account has suspicious activity on the account. I can not get through to talk to the company. I sat on hold for hours and still havent spoken to someone.

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 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent the credit bureaus a letter letting them know that there was an account reporting on my credit that is not mine. I was contacted by another company and now it is reporting under another name on my report. I never opened up any loan with this company and have asked the credit bureaus to provide any evidence whether signatures or anything. 


XXXX XXXX XXXX ( Original Creditor : : XXXX XXXX XXXX XXXX ) Account Number : XXXX Unverified account They has not responded to my second letters sent to them in over 5 Months. They have not provided any of the information I requested. This is inaccurate information that needs to be removed 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 2023-03-17
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: Public record information inaccurate

Complaint:
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, XXXX, XXXX, XXXX, and Experian and they refuse to remove the invalid bankruptcy on my report.

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 2023-06-28
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday, XX/XX/XXXX I attempted to send money to a friend via Chime. The receiving party instructed me to send the funds to their mobile number and that they would collect the funds by linking the number to an account or by accepting the funds to their XXXX XXXX. I sent the funds to the number I was given. The amount sent was {$230.00}. As soon as I sent the funds to the number I was given, the Chime app indicated that I had transferred funds to a different person. The intended recipient had a new mobile phone number and the number was obviously attached to the Chime account of whoever had the mobile number before, so the money was delivered to the account of someone I do not know and someone I didn't intend to send the funds to. I immediately called Chime to report the mistake and was told that they would open a dispute and took some information and that was it. I later received an email that the claim had been denied. I called Chime a second time and asked that they reopen the issue. They did and again denied my claim. I then called Chime a third time to ask that they reopen the claim and I again clarified that I am not disputing the transaction but that I made a mistake and need to recover funds that were sent in error. I informed them of the mistake within minutes of having originally sent the funds. I told them I made a mistake. I do not understand why they couldn't have helped me to recover the funds. They never even attempted to help me. I made a mistake and I want to recover these funds that I sent in error. If the bank made an error, they would recover their funds. Chime needs to do the right thing and assist me in recovering the funds I sent in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: Village Capital & Investment LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I initially started the Mortgage process with XXXX XXXX XXXX, they sold my mortgage to Village Capital and Investment LLC. My monthly payment amount is {$1700.00} and I have never missed a payment or become late on payments. Despite this, every month I get hit with a {$15.00} late fee, when I call to ask why they say it's actually a reversal fee and to contact my bank. I've contacted my bank several times and they have only reversed it a couple times, so I set up my account to pull money from my savings to cover the discrepancy to prevent this. Since making this change, I am still getting hit with " late fees '' and being forced to pay extra and my last reversal was XX/XX/XXXX. On top of this, I've currently been on hold for 1 hour and 7 minutes waiting to talk to someone about this, again, because the automated system offers to press 1 and an agent will call back but they never do. 
I wish my mortgage had never been sold to this company, they are one of the absolute worse I have dealt with. They are scammers, liars and impossible to get a hold of and get answers from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has made numerous repeated daily calls from XXXX since Tuesday XX/XX/2022 violating Reg. F 1006.14 ( b ) ( XXXX XXXX. Below is the breakdown of the call log : Tuesday XXXX/XXXXXXXX - XXXX calls ( XXXX, XXXX ) MST Wednesday XX/XX/2022 - XXXX calls ( XXXX, XXXX, XXXX, XXXX, XXXX ) MST Thursday XX/XX/2022 - XXXX calls ( XXXX, XXXX, XXXX, XXXX, XXXX ) MST Friday XX/XX/2022 - XXXX  calls so far today at XXXX and XXXX MST

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: TN
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX SELFREPORTED Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/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 2021-11-24
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: Information belongs to someone else

Complaint:
I submitted my FTC fraud report, FTC report # XXXX to Equifax on XX/XX/2021. I called Equifax on Monday XXXX XXXX first spoke with XXXX, XXXX id # XXXX proceeded to ask her did they receive my FTC XXXXShe confirmed she did receive it. I then stated the pursuant to 15 USC 1681 C-2a, once the report was furnished to them it has to be removed from my credit report within 4 days.Once I stated the LAW to XXXX, she told me the FTC report wasnt real and end ended the call. I called Back and Requested a manager, I then spoke with XXXX id # XXXX. I stated the law and requested to have the fraud removed, he also denied my Demand after seeing himself the fraudulent inquiry from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services fails to send out any kind of monthly statements. My payments are ocer {$1400.00} a month. I have no idea what or where my money is going. I have no proof where my money is being applied. Or the remaining amount on the mortgage. How do you trust a company that does not provide you with paper work when they are suppose to be in charge of a loan. This company is will known for it fraudlent activity can not be trust. The month of XXXX they held my money order until XXXX to cash it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
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:
I had a Bank of America credit card for a few years. At the beginning of 2020, due to XXXX, I fell a few months behind on my payments. Bank of America offered me a settlement to settle my debt for less than I owed, which I accepted. Before my next settlment payment was due, my financial situation improved due to XXXX and offices opening back up remotely. 
I contacted bank of america and asked if I could get out of the settlement agreement and pay them the full amount i owed. I did not want a " settled for less '' on my credit report and I was now in a position to pay the full debt as agreed upon. I was ASSURED on numerous recorded phone calls that this was an option, and that I had successfully exited the settlment agreement and that I could pay down my card balance monthly per normal. I was also ASSURED the account would not be charged off. 
I asked multiple phone reps to make notes on my account, and confirmed multiple times that our calls were being recorded. Shortly after this resolution, Bank of America continued to charge off my account for not meeting the terms of the settlment. 
I have been in contact with them and multiple escalation managers have reviewed the recorded phone calls. These escalation managers, as well as BofA 's legal team, confirmed I was repeatedly given misinformation on the recorded line that lead to the charge off. 
Despite their admission and error, they refuse to remove the charge off from my account even though I have offered to paid the debt in full. 
This account should have never been charged off. If I had been given accurate information, I could have paid off the debt in full at that time. I was specifically told that I'd be able to go back to making monthly payments, that I had successfully excited the settlement agreement and that my account would NOT be charged off. 
Bank of America gave me numerous pieces of bad information on recorded lines that lead to this, and numerous REPs for BofA have admitted/verified this information. 
The charge off is significantly hurting my credit score and my ability to get credit fro other agencies and I want to sue them for the harm they have done.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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