BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: AES/PHEAA
State: TX
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:
In 2017 I transferred a federal unsubsadized loan from FedLoan Servicing to XXXX. This loan had an original balance of more than 220K. Three years later FedLoan Servicing is saying I owe more than {$1000.00} on the loan because of an error made during disbursement. Mind you I have not heard anything from FedLoan Servicing for 3 years about this loan. The balance of this loan has been XXXX for the past three years. They have been charging me interest at 7.5 %. So what they claim was an original mistake of about {$500.00} is now ballooned to over a {$1000.00}. During these past three years they never gave me tax documents or even an invoice saying I owe this amount. I have perfect credit and have never been late on any loan. I have documents to prove all of this. I tried to resolve the issue with them, but they refuse to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} open XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXXXXXX 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 2023-08-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hoping that someone can help me get a resolution because all parties are pointing to each other as the " person '' who should help. 

In XX/XX/XXXX- a levy was placed on my Chase Bank account by the attorneys for XXXX XXXX. The account contained approximately {$390.00}. 

In XX/XX/XXXX- The debt was paid in full to the attorneys, In XX/XX/XXXX- the attorneys filed a Warrant of Satisfaction with the Courts. But the hold on the account was never released. The contacted the attorneys who said that the " ball '' was in the Court 's and Chase 's " court ''. 

In XX/XX/XXXX- I contacted XXXX XXXX, court officer, to explain the issue advising that the attorney told me that the court would need to send something to Chase letting them know that the debt was satisfied. Never heard back. 

I then suffered the loss of my husband and three family members due to XXXX and a near death experience requiring me to be hospitalized for several weeks. 

In XX/XX/XXXX, I contacted Chase and was told that the courts never sent them anything and that if I could get a copy of the warrant of satisfaction, my account would be released within two to three days. I contacted the court, got a copy of the warrant and faxed it over. I called a few times and was told once that it takes two to three days, and another time that it could take a few weeks. No one told me that the document was insufficient. 

In XX/XX/XXXX, I reached out again and was told that the Chase rep I spoke to in XX/XX/XXXX was mistaken and that the document I sent them was not enough to get the account released because it was not addressed specifically to Chase. They suggested that I contact the attorney. 

The attorney suggested I contact the court. The court said that what they supplied was enough and I should contact the bank. I filed a complaint with Chase and was told by letter that " they will require either a court order signed by the judge, or a release letter from the court officer to release the hold on the account. To try to reach an agreement or settlement to have the hold removed, you can contact the Court Officer XXXX XXXX... .. '' The letter then advised that the information I provided to them is addressed to the Clerk of the Court , which is why they can not accept it as a valid release. 

Meanwhile, my account has been charged with $ 12 monthly service fees for a situation that is not my fault. I just want the account closed at this point, but everyone is passing the buck. I'm not sure why I'm doing all the legwork- when no legwork was required from me when the lien was placed. 

I'm hoping that the CFPB can assist. If for no other reason, as a means to get Chase to review their policies and to better train their representatives on how to explain processes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I can't remember date XXXX went on credit and was getting unnecessary charges

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 want the company to send me proof that each account on my report is actually mine. I asked the company to do so, but they failed to respond to my matter

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 2023-01-20
Company: EQUIFAX, 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:
Equifax and XXXX are refusing to remove a collection that's reporting on my credit report. I have no relationship with XXXX XXXX XXXX and the balance was paid with the original creditor, hence why the account reports a XXXX balance, so I am confused as to why they are still reporting this account. I have sent all XXXX credit reporting agencies proof and XXXX is the only credit bureau that removed the account. I do not believe that Equifax or XXXX conducted an investigation into the inaccuracy of this account therefore I am reporting this to the CFPB, XXXX, and the attorney general. XXXX also reports that no payments have been made on the account when the account has no balance. Please tell me how this meets FCRA guidelines? I am requesting that Equifax and XXXX follow suit and remove this account from my credit report, or I will be seeking compensation per violation. Please see attached credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : {$0.00}. 
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 explanation
Consumer complaint received 2019-01-03
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX made an error ( posted some payment we did not make and then reversed it PLUS {$400.00} that left our account short due to no fault of our own ) on our account that pushed us into default ; though, we've never missed a payment and did not know of this since XXXX never sent statements. They sent us to Specialized Loan Service, which is a collection agency, and they are now threatening to foreclose if we don't pay {$1700.00}. We didn't make the error ; still have not missed a payment and don't believe we should pay for XXXX 's error that messed up our account in the first place.

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 2019-08-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
CareCredit lowered my credit limit from {$2500.00} to {$1500.00} because my credit score dropped. This seems unethical and illegal.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX Account # 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 instructions

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 2023-03-12
Company: Experian Information Solutions Inc.
State: MA
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. 

XXXX Account XXXX # XXXX, XXXX XXXX : Account # XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX XXXX XXXX : XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX N.A : Account # XXXX XXXX : Account # XXXX 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 explanation
Consumer complaint received 2023-06-06
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The following collections agency has re-aged a debt from XXXX that was originally reported on my credit history XX/XX/XXXX. It is now showing an open date of 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 explanation
Consumer complaint received 2018-08-19
Company: Experian Information Solutions Inc.
State: OH
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:
Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments.

The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.

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 2018-02-13
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:
On XX/XX/XXXX I signed up for credit monitoring service with Trans Union for the monthly fee of {$19.00}. At that time, I accessed the service and viewed my credit score for Trans Union and XXXX. Both showed XXXX. On XX/XX/XXXX, I filled out a mortgage application as a cosigner for my daughter. On XX/XX/XXXX, I was notified that I had been denied based on my middle credit score not being high enough. I asked the lender my scores that they used, I was advised my scores were XXXX, XXXX, XXXX and minimum required was XXXX. I immediately contacted Trans Union on the XX/XX/XXXX to check my score and they said their records showed a score of XXXX for both them and XXXX. Obviously, there is a serious problem in the accuracy of the reporting. Paying for a service which does not provide accurate information is fraud. If the information provided is not correct, where does the consumer get accurate data on which to base decisions?

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a checking account with Wells Fargo years ago. I quit using them due to so many overdraft fees and fees they took out between the years XXXX to current. To me, that was dirty to always get hit with large overdraft charges. This was done in XXXX I have moved to XXXX since then, and changed my last name to woods.My apologies, I can not give actual years or dates. I always felt Wells Fargo was dirty when it came to so many overdraft fees.

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 2020-09-25
Company: Experian Information Solutions Inc.
State: TX
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 accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX   XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments on XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My Bank of America credit card account had an unpaid balance less than 5 % of total credit line. After I paid this balance, the account was closed without any notice which resulted in reduction of my credit score by XXXX points.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 non-monetary relief
Consumer complaint received 2019-01-03
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX obtained two loans from XXXX XXXX XXXX in XXXX, Virginia, one in XX/XX/2018 and one in XX/XX/2018. Both of these loans were subsequently sold to the LoanCare company. There was no problem with the loans or the repayments until XX/XX/2018. 

On XX/XX/XXXX, the payment on the first loan was properly applied. However, on XX/XX/XXXX, the payment on the second loan was incorrectly applied to the first loan as a repayment of principal ( since no payment was due ). No payment was recorded for the second loan. 

As a result, in XXXX, the first loan processed the XXXX payment correctly ; however, the payment made on the second loan was posted as a delinquent payment for XXXX. In XXXX, the first loan processed the XXXX payment correctly ; however, the second loan payment was listed incorrectly as a delinquent XXXX payment. 

I emailed the company and was assured that they would correct this, but they did not. I have called the company several times and, each time, they assure me that this will be corrected in a few days. This has gone on for several months and they still have not corrected the error. Instead, the company sends me regular notices that I am delinquent and requesting information about how/when I plan to make payment. They also assessed various penalties, which have not yet been reversed - even though this was the loan processor 's error. 

This was entirely the fault of the loan processor. All they need to do is reverse the incorrect {$2500.00} credit posted to the first account [ XXXX ], which they posted on XX/XX/2018 and credit this same amount as the XXXX payment to the second account [ XXXX ]. If they did this, then the XXXX payment on the second account would be timely, the XXXX payment would be timely, and there would be no delinquencies or penalties. 

The company has not disputed that they made an error. They continue to promise to fix it but have not done so in almost three months. They have a record of my phone calls and emails, since they cited them to me in my phone calls.

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