BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/2022 I wrote the Experian and XXXX about reporting inaccurate information on my credit report that needed to be deleted from my credit report with no result from them then wrote them again on XX/XX/2022 stating that the following accounts were still reporting inaccurate and unverifiable information on my behalf. 
1. XXXX SELXXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX XXXX  Account Number : XXXX these accounts are damaging to my credit and credit profile. I've been denied housing do to these inaccuracies and need this to be rectified by being deleted it is only fair at this point.

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 2023-05-23
Company: JPMORGAN CHASE & CO.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a telephone call from ( XXXX ) XXXX -- XXXX reporting to be Chase Bank to collect a credit card debt in excess of {$9000.00}. 

I do not have this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I believe that Merrill Lynch, in coordination with certain employers intentionally obfuscates the disposition of 401k accounts after an employee terminates, even when the account has sufficient funds to remain in the 401k plan. 

Specifically, Merrill Lunch and XXXX issued statements that had no identifying information ( account number, etc. ) There was only an online notification that funds were moved into an IRA and no account information was given, or method to access. Their phone tree is horribly complicated and required multiple phone calls to find an agent that could setup online access so I could initiate a rollover. 

My sense is that they prey on the thousands of contractors that accumulate relatively small 401k holdings because of the small pittance that government contractors allow for matching, dissuading employees to contribute. Then effectively absconding with funds by making it very opaque where the money has gone. 

I would be happy to provide a detailed timeline, but am hoping that others have raised this concern and that an investigation has either been or will be made into these practices. 

Coincidentally, I had a similar experience with XXXX XXXX and 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 2023-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX Balance Owed : {$1100.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account 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 explanation
Consumer complaint received 2020-01-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Once again Navient has created false documents. This is my third complaint. I did not agree to a forbearance. Nor my co-signer. They kept rearranging payment documents. Now they say auto pay has been deleted. And another forbearance which wasnt requested wasnt accepted. Yet the so called first forbearance they have yet to send documentation. I havent done anything on this account. Its been charged off. To my knowledge the first phone calls I got I didnt understand the process. Felt rushed to accept a deferment XXXXyears ago. Now this lender not only refuses to get off my credit report. But refuses to do what they said they would do to begin with delete the forbearance. I have stop communication with this company. Due to lack of customer service and solving problem accordingly. Lying continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: PA
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} NASA XXXX XXXX Balance Owed XXXX {$22000.00}

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 2022-04-27
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Dear Sir/Madam- I have an online Capital One 360 Account, since year XXXX. This account had an overdraft feature of {$1000.00}. The feature used sparingly by me. However, it provided me a degree of comfort Banking with Capital One in case of an emergency. I also have a Capital One Credit Card and I keep the auto payment option active, so that my payments are automatically processed every month. 

On XXXX or XXXX of every month my auto payment processed the credit card payments. In the month of XXXX a payment of {$2400.00} was declined by Capital one on account a {$14.00} shortage in my checking account. I called the Capital One 360 Bank and asked them as to why my payment was declined and I was informed that the overdraft feature was discontinued in XXXX XXXX. From my statements I can see the overdraft feature was used by me in XXXX of XXXX as well. Moreover, discontinuation of the overdraft feature was not communicated to me by the Capital one 360 compliance team. However I made the payment of {$2400.00} on XX/XX/XXXX promptly upon receiving a text message about my payment not being processed. They made some major changes to the software online and did not communicate the changes to the customer. The Capital One Credit card team has charged me late payment fee of XXXX on XX/XX/XXXX. Looks the compliance team at Capital One did not provide adequate explanation nor communication to the customer. Also Capital One Bank is facilitating the Credit Card division to make predatory charges though they remain two different entities. I would require a third party to arbitrate and ensure that US consumers are not taken for granted. We form 60 % of the US economy and we deserve the due process to be followed through trust in Banking. 

Note : On the day of the transaction my Savings Bank account had an excess amount, which could have ultimately processed the transaction in a timely manner. Capital One ignored this aspect too. 

regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: PA
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$240000.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: PA
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 checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$240000.00} / XX/XX/2022

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 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXXXXXX   Please remove it from my credit report.

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My name XXXX, I 'm victim of identity theft and found out Chase Bank manager at XXXX, in released my personal information regarding deposit amounts, debit card info to XXXX whom stole my personal information. They drained my accounts and when I went to manager there I was told they were ending there relationship with me because I wanted to file a claim and asked for transaction history on my accounts that he refused to give me. This is just the beginning and have received XXXX threats as well by those who stole my Identity. Please contact me asap and will provide documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: WA
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:
I am trying to resolve an issue that has been ongoing for years. 
There are XXXX XXXX XXXX secured credit accounts that have been appearing on all 3 of my credit reports for years now. I reached out to XXXX  many times without getting anywhere. 
Ive never had any secured cards with XXXX. 
Every time I call the numbers provided I get a different answer with no resolution to the problem. 
Its been so frustrating. I can not even speak to a live representative half the time without having a card number, I do not have a card number so I just get stuck talking to an automotive system for hours sometimes. 

The representatives are over seas. So when you do finally get ahold of someone, they do not understand your problem or they transfer you back to the main menu before youre able to explain how you just were there Any time Im lucky, I get the representative live on the phone, they say they are unable to find any secured card with my information. 
I explain theres something there because its effecting my credit score in a very negative way and its on my credit report, one of the account say they were open XX/XX/XXXX And the other says it was opened XX/XX/XXXX. Thats the only information provided other than its XXXX XXXX and its for two secured credit cards. 
Please help get this off my report. Its haunting it for years. No one seems to understand that on their end. 

When the representatives said they couldnt see anything or provide info I feel so helpless. 
I need these two accounts taken off of my credit reports, Please. 
Ive been fighting XXXX XXXX for many years now. Its preventing me from making life purchases. 
One account says {$99.00} and the other says {$98.00}. Such tiny amounts. Why are they on my credit profile. 
Delete delete delete!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions 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:
I requested verification of an account with XXXX XXXX XXXX which I could not recognize as mine. I also requested the same from the creditor, both in writing on XX/XX/2021 via USPS Certified letter requiring a signature. Not receiving any reply, I sent two more letters at 30 days intervals, again certified with signature, repeating my request and spelling out what laws were protecting my request and my right to an answer. Today, almost three months later, having received no response I decided to take action. I sent another certified letter to the creditor and the three bureaus requesting deletion of the creditor account for failing verification. 
I am filing this complaint to create a record in case they do not take action. In 30 days I will check again my credit report to see if they deleted the wrongful account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Our principal balance on this loan was down to just {$340.00}, so I sent our regular payment of {$650.00} on XX/XX/2023. They SENT BACK our payment in two separate checks by the end of XXXX! We have been disputing their claim of {$1900.00} in fees owed since XXXX of this year, and so far, they've only sent proof of 14 total late fees, which amounted to {$290.00}. Therefore, the {$650.00} we sent on XX/XX/XXXX should have paid off the loan completely! Instead, they sent back our money and kept saying we were late on our statements- and would not accept our monthly payments in XXXX, XXXX, or XXXX! Now, they have DESTROYED our credit by reporting us 30, 60, and 90 days late ; and if that wasn't diabolical and evil enough, they're also threatening to FORECLOSE on a house that we've paid faithfully on for 20 YEARS, and only owe {$340.00} on in principle!! It's unfathomable and downright dirty. They haven't produced PROOF that we owe {$1700.00} in fees ( because we don't ) or {$200.00} for a home inspection, and therefore, those fees should be waived. We have requested that proof IN WRITING for ELEVEN MONTHS, and requested those unsubstantiated fees be waived for ELEVEN MONTHS after they could NOT provide proof that we owe them. 
We TRIED AGAIN to make our payment in XXXX, XXXX, and XXXX, both online and over the phone, but they wouldn't accept our payment. I called MULTIPLE TIMES to try to get this resolved, but their " customer service '' people were always extremely RUDE and CONDESCENDING, and gave me NO OPTIONS, except to pay {$2700.00}, when we only owe {$650.00}! In the meantime, they keep adding late fees and interest, and now the unscrupulous company says we owe {$2800.00}, plus interest until the day we pay it off. Even if we did agree with the astronomical late fees, which we DON'T, we should have been able to pay our REGULAR MONTHLY PAYMENT of {$650.00} until it was paid off. At this time, making a payment FOUR TIMES our regular payment is not feasible, due to many circumstances. However, they told us we had NO OTHER OPTIONS, while STILL NOT PROVIDING PROOF that we owe the extra {$1900.00} in fees! We're not only devastated that they're trying to steal our house after we've paid tens of thousands in interest over the past 20 years, but we're also furious that the reckless and corrupt company has RUINED OUR CREDIT, after we've worked hard for so many years to make it great! If they would have provided proof that we owed the fees ( after MANY requests ) and just accepted our XXXX XXXX  monthly payment as usual, it would be paid off right now!! Instead, they DESTROYED OUR GOOD CREDIT, would NOT accept our payments, and continue to charge us interest and fees!! It's absolutely unacceptable, unscrupulous, and un-American! PLEASE HELP!

Company response to consumer: Closed with explanation