BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 submitted several disputes through all 3 credit bureaus-XXXX, XXXX  and XXXX. Navient is reporting my student loans ( 8 in total ) as 90 days past due for the XX/XX/2016 payment, but the XX/XX/2016 and XX/XX/2016 payments are both showing current or paid as agreed. The response from the investigation is verified. It is impossible to be current in one month and the next month be 90 days past due and Navient refuses to make the correction. This is impacting a total of 8 loans and has had a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2019, I called COMENITY BANK to put the card on hold due to temporary financial difficulties. I had to get an extension agreement. This letter did not arrive. Now my report shows a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: SYNCHRONY FINANCIAL
State: CA
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 am writing this today in regards to SYNCB/Care credit Account # XXXX, I have reached out to the bureaus along with SYNCB/Care credit to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent

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 2023-10-07
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: KS
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:
This was back in XXXX XXXX when my family had a account at Wells Fargo XXXX The fees would go up higher for no reason or money would come out of our account without explanation. Our ATM fees were also raised and we had to pay out more then what was originally planned. Since this time my husband has passed away in XXXX and I am now a widowed mom to our XXXX sons. In fact we may still have open savings accounts for all of us. I have not lived or banked at Wells Fargo since back then as we moved. I'm unsure of the problem as Wells Fargo would have that information and what fees were charged wrong or what amount had been taken back then. Would like to get some of those fees back if it was the actions of the bank and not us.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. XXXX 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. If there is any confusion, I suggest you contact me or XXXXXXXX XXXX XXXX. customer service representative. I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report. Your prompt attention to this request is greatly appreciated. Thank you for your understanding and cooperation in resolving this matter. I look forward to your positive response and to continuing a positive relationship with 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 2023-05-14
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023, I discovered at least {$650.00} in fraudulent transactions on my PayPal account, all from XXXX merchants, XXXX and XXXX. I rarely use PayPal anymore because I have had thousands of dollars stolen from me in this due to fraudulent XXXX charges for purchases " in-game. '' They have never refunded me a dollar of money from XXXX. I was shocked to receive {$460.00} in provisional credit from them. PayPal was not the only XXXX of my financial institutions where there was fraud. It was spread across every credit and debit card I owned starting in XX/XX/2023. I received a phone call last week from Paypal or a Paypal collection agency trying to collect a " debt '' of {$170.00} that I owed on my account. I was reasonably shocked since all of my fraudulent charges came via my PayPal debit card, and I had not even received a new card until XXXX and a XXXX weeks ago. I have not involved Paypal in any financial dealings since the massive fraud was committed. I went online and found that of the {$460.00} in provisional credit I was given, they had " reversed '' the refund of {$200.00}. No reason was given, and there is no way to appeal. I have attached a page showing that PayPal states " Refund Reversal '' and an amount. No other information, including the transaction date, company name, etc., is listed. After doing independent research, I realized all these charges were from XXXX. More alarming is that they still have XXXX XXXX cases OPEN, for which I was given provisional credit of {$250.00}. 
I have a funny feeling things are not going my way. Upon checking every dispute, I found {$55.00} ( all XXXX fraud ) that were summarily dismissed as " authorized transactions. '' I never received any credit for these items. I have received permanent acclaim for {$130.00}. {$82.00} of that amount comes from XXXX, where all transactions were taken to be fraudulent. Another {$48.00} comes from XXXX. Every claim, except for XXXX, is for amounts under {$4.00}. Strangely, many days are in common between the XXXX items that were dismissed, those initially given credit and then found to be authorized, and the outstanding matters. 
For example, on XX/XX/2023, an XXXX charge for {$2.00} was found unauthorized and refunded. And on XX/XX/2023, another XXXX charge for {$4.00} was similarly refunded. On XX/XX/2023, another fraudulent XXXX claim for {$16.00} was first reimbursed and then reversed on XX/XX/2023. Notice anything funny about this transaction besides, oh, maybe the amount of money in dispute. Also, all summarily dismissed claims happened on XX/XX/2023, and XX/XX/2023. I'm not sure how one can dismiss claims the day before and the day of my reporting of fraud. I have attached examples of the different types of emails received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attended XXXX XXXX College 2018 The College has closed due to not meeting accreditation. My credit report reflects a balance from FedLoan Services Although, The College is Closed. I want this balance removed from my credit report as I cant transfer these invalid College credits. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I tried applying for a loan didnt know it was s scam until the bank contacted me. Their was a lock pit on my account for suspicion activity..my online banking info was breached so all my info was changed ..I was advised to submit a complaint by my 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 2023-11-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX victim of fraud- {$50000.00} taken from me in scam- bank said my fault New account opened Chase Bank XX/XX/XXXX XXXX XXXX Account frozen without my knowledge XX/XX/XXXX, XXXX Account closed without my knowledge Was told all monies would be returned to me on or about the XXXX of XXXX-no check sent Multiple inquiries made with chase bank- keep being told the account is under investigation and monies will not be returned as there is a possible fraud from a wire i received. 
Made many attempts to resolve the situation both on the phone and at the branch level. 
Funds will not be returned- total funds in question of mine are XXXX. 
I have insisted the wire of {$52000.00} be returned to the original sender but chase refuses and blames his bank. I have contatced the sender and his bank and they say that chase will not comply with our requests. 
This has now become a hardship for me as part of the {$6300.00} is a pay check i received on XX/XX/XXXX that was directly deposited into my account from my work is being held. 
Any assistance would be greatly appreciated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had all the money from my closed IRA and unemployment in my Suntrust checking account. I used the account XXXX  night and XXXX  my account was closed without any email or call from bank leaving me literally with {$0.00} to my possession when I could they simply said they closed my account without any explanation and couldnt access any of my money until theyre investigating was done. I recently lost my job due to covid and this is the only $ i had to my name and I can even get an explanation after banking with them 9 years. This is second time they did this to me

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 2022-07-07
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/17 I attempted to make a wire transfer from my Amex High Yield savings to my external account which had previously been verified. I received a call from someone at Amex wanting to do a 3 way call to verify ( again ) my account and was told that they did not do telephone confirmation. They asked me to fax over documents from my external account... I did ... 4 times and heard nothing back. I kept checking my account to see if it was ok but the account had a block on it from XX/XX/17 which I was never informed of. I filed a complaint with CFPB. I got a response back stating that I was told there was a block which I wasn't ( check the recordings you mention everytime you call ), I was also told I had never sent the required documents which I had... in fact when I spoke with XXXX in Bank Operations he was looking at the fax ... days before the CFPB Amex response. Here we are weeks later and I still do not have the funds and still do not have an answer. I call many times a day and am either told I will be called back which I never get the call, or am told something was wrong with the fax and to re-send then wait 2 days for it to b received then call back. This is ridiculous. This was part of a XXXX and now I look bad because I can not get the funds to pay to help... I need this fixed and I need the funds in the account wired to either of my external accounts ... asap. This situation is not funny and I am having XXXX where it should be XXXX. Now they want an Affidavit of Identity which I have faxed over 5 times and Paid {$25.00} to have it notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSWORLD SYSTEMS INC
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a private student loan payment on XXXX. My loan was originally on deferment. Once the deferment was over I made a payment XX/XX/XXXX however after that payment my loan was then again put on deferment. In XXXX once I tried to make my payment their website/portal informed me I did not owe a payment at that time. After that I checked back in monthly but each time the payment due date was XX/XX/XXXX and it did not give me the option to make a payment. In XX/XX/XXXX They sent me a Passed Due notice informing me a payment was in fact due but this already affected my credit score negatively. Even then when I logged onto the portal it stated I did not in fact have to make a payment until XX/XX/XXXX but I still made a payment for all the months I " missed ''. After that again checked their site was told no payment was due until XX/XX/XXXX and still did not inform me to make any payments. Then again in XXXX i received a Past Due Notice and my credit score took a huge hit. I contacted them and the customer service representative realized it was their fault and apologized that was it their mistake and that the portal was showing incorrect information but they did nothing to resolve this. My credit score dropped XXXX points due to their negligence and my numerous emails have gone unanswered. The only reply I got was that their loan is calculated on a quarterly basis. That does not rectify the issue they made or ease the financial hardship I faced due to their incorrect service. Paying loans is already a stressful process without the lender making you hop through hoops just to make a payment. I have never missed a payment with any of my other credit cards or loans because I check them all on a monthly basis. Due to their systems error I have " missed '' multiple payments and even now their online portal is incorrect. This is a huge injustice and they are taking advantage of student loan repayment services. The company is : University Accounting Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
Years ago I had a XXXX credit card.XXXX went out of buisness and I assumed the account was closed.The XXXX credit card was through XXXX XXXX XXXX.Then, for some reason, I ended up with a shop your way card from XXXX that showed up on my credit reports.I never signed up for a shop your way card through XXXX nor did i ask for my XXXX card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask XXXX to reopen the shop your way card when they said it was denied.XXXX needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/2020 at XXXX I called customer service and spoke to " XXXX '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XXXX valid thru ... XXXX account closed on ... XXXX or XX/XX/2020

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 2023-08-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My dog was with XXXX XXXX for about about a week before he almost died in their care. I received a call on Friday morning ( XX/XX/XXXX ) from XXXX saying that my dog was unresponsive and had XXXX  XXXX and he had to be taken to the vet for care. Later that afternoon I received a call from her and was told that my dog may have gotten " a little too hot '' while on a walk the previous day and that was the cause of his XXXX  XXXX. I was then told by the vet that my dog had a XXXX  XXXX on a walk with XXXX on Thursday and that the XXXX  XXXX caused a chain of reactions with my dog 's health and in addition to a XXXX  XXXX he now had to battle a XXXX XXXX and XXXX which is a XXXX XXXX XXXX which has a bad prognosis and almost killed him. My dog is now in a state where he barely walks and will take several months to make a full recovery. Now after all of this and with my dog back in my care after a week with her she refuses to give me my money back. She also blaims his issues on his " poor health '' from a bad diet but refuses to acknowledge that the initial reason he went in there from a XXXX  XXXX that was caused by her exposing my dog to sun for too long without taking care to make sure he didn't get too hot. All I want is the money that I paid for a service that I didn't get back and she refuses to give me my money back or make things right. So I had to file a dispute on XX/XX/XXXX with my bank ( Ally ). The transaction was made for {$3500.00} on XX/XX/XXXX. My bank closed the dispute on XX/XX/XXXX saying they couldn't get the funds from the merchant but the merchant is saying the funds were taken from their account already. They showed me proof it was taken out on XX/XX/XXXX. My bank is saying they tried to take the money from the merchant but they weren't able to but the merchant is saying it was taken out and their bank told them that the dispute was closed and their is nothing that they can do. I just need clarification on where the funds went and who has what and see how I can get my money back. Because I'm not sure if I was lied to or if {$3500.00} just disappeared.

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 2022-10-13
Company: Experian Information Solutions Inc.
State: NY
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 they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX CREDIT UNION Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX SRVC Account Number : 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 XXXX : 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 non-monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.

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