BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-09
Company: Comerica
State: NY
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hello! 
My name is XXXX XXXX and I put in a complaint with Direct Express where I receive my SSI deposit, in reference to unauthorized transactions on my card. this dispute was entered on XXXX XXXX, XXXX. They were suppose to send me documents to fill out to finalize the dispute. After not receiving them within a months time I called them back. They had to resend the documents for me to fill out to finalize the dispute. Initially they told me it would take up to 45-90 days to complete the investigation. in which should have started from XXXX XXXX, XXXX. After waiting the 90 days and speaking with several representatives assuring me that I would have my money back with 90 days. I called them back today XXXX XXXX, XXXX to find out why I have yet to receive my funds back and they tell me the XXXX starts from XX/XX/XXXX when they received the paper work back and not when I initially entered the dispute. I am a disable person with limited ability and receives only SSI to take care of my daily living. I need my money back and can not now wait another XXXX to catch up on back bills that was paid due to these unauthorized transactions. 

Can you please help out with this matter? 

It seems like they are giving me the run around, and is not trying to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-02-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, Pennymac contacted me proactively, because they had received an alert from XXXX  that I had listed my property for sale, and they wanted to assist with any new financing or refinancing I needed. 

However, I had not listed my property for sale. There is no active XXXX listing on my property. I immediately became concerned that someone was committing a scam to defraud both me and Pennymac. I asked to speak to someone in their Cyber or Fraud department. I was transferred three times, but no one knew how to handle the concerns that a ) they had received a sales lead with false and fraudulent information or b ) how to identify and protect their customers who may be the victims of such fraud.

None of the four Associates knew how to escalate or handle the suspected scam. None offered any recourse to me to counteract the potential listing of my property, nor to protect their institution from losses related to my account. When the fourth Pennymac associate could not assist, I asked if I could at least create a complaint.

As a tenured employee of another financial institution, I am concerned that Pennymac does not have the procedures or processed in place to identify, flag, and respond when they or their customers are the potential victims of fraud. I am also concerned that they do not have the procedures in place to identify when they have purchase fraudulent leads and may take action on the fraudulent leads, leading to additional risk in their loan portfolio. I am concerned that this ineffectiveness could lead both to loan losses for Pennymac and financial losses for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Blackhawk Network Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a {$100.00} gift card that was through MyPrepaidCenter. I placed my card with other gift cards and was planning on making a large purchase and using it. I let my card expire and I contacted MyPrepaidCenter.com once I realized my error. They informed me that the money was no longer available, but their website says otherwise. Their URL ( https : //www.myprepaidcenter.com/site/visa-univ/standard/visa-terms ) clearly state : " The Card will expire on the date on the front of the Card. However, the funds do not expire. After expiration of the Card, you may request issuance of a card with the remaining balance, minus a card issuance fee that will be deducted from the remaining balance. The Card must have a remaining balance in excess of the card issuance fee to be eligible to request issuance of a card. ". I have requested on two seperate occasions for a replacement card and MyPrepaidCenter is giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
There are inquiries on my report that I do not recognize and did not authorize. 

XXXX - XXXXXXXX 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 explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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:
I am permanently disabled ; I have XXXX XXXX. I received a letter from the Department of Education XXXX XXXX XXXX that due to my XXXX, my loans have a XXXX balance and this has been resolved which I received on XX/XX/2023. I sent that information to Equifax via the online website on XX/XX/2023, with the Department of Education XXXX XXXX XXXX letter. I received a letter from Equifax  on XX/XX/2023, stating they will not change the balance. Equifax won't report this as a XXXX balance on my credit report. This affected my credit and the opportunity to move to another apartment. It affects any chance to open a bank account, open a credit card, and rent an apartment. It has destroyed my credit. My credit score is XXXX and has always been excellent since I established credit over XXXX  years ago. This also affects getting a job and getting medical treatment. 
Additionally, when I contacted Equifax by phone, I spoke with a supervisor named XXXX who outright called me a XXXX  XXXX, and she would not remove or acknowledge the information was accurate with the Department of Education XXXX XXXX XXXX. I provided her with all the information which was accurate and factual. I am a disabled woman with XXXX , and this is caused me that is being affected by this false information by Equifax. Additionally, I have submitted this information online and via-certified mail to XXXX. To date, they have also not updated the correct, accurate information with XXXX XXXX Department of Education showing a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violating my consumer rights per the following information : Upon reviewing the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). Here are some of the discrepancies that I found : Account Type - Detail : Equifax does not provide any information about the account type, while XXXX and XXXX both indicate that it is a charge account. This inconsistency could be considered a violation of the FCRA section 607 ( b ), which requires that credit reporting agencies maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

High Credit : Equifax reports a high credit limit of {$650.00}, while XXXX and XXXX both show a high credit of {$0.00}. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to follow " reasonable procedures to assure maximum possible accuracy '' and to provide information in a way that is " fair and equitable to the consumer. '' Date Last Active : XXXX and XXXX both show a last active date of XX/XX/2018, while Equifax shows a last active date of XX/XX/2018. This inconsistency could be a violation of FCRA section 607 ( b ), which requires credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

Date of Last Payment : Equifax shows a last payment date of XX/XX/2018, while XXXX and XXXX show no information about the last payment. This discrepancy could be a violation of FCRA section 607 ( a ), which requires credit reporting agencies to provide information in a way that is " fair and equitable to the consumer '' and to follow " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report. 

In summary, the inconsistencies in the credit report violate the FCRA sections 607 ( a ) and 607 ( b ), which require credit reporting agencies to maintain " reasonable procedures to assure maximum possible accuracy '' of the information in a consumer 's credit report and to provide information in a way that is " fair and equitable to the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We reserved rental car on XX/XX/2022 from XXXX on line and fully paid the amount of {$510.00} using my Amazon-Chase Credit card. Pickup date : XXXX XXXX and return date : XX/XX/2022. Location : XXXX ( XXXX XXXX XXXX ). 
Booking Reference : XXXX. I am XXXX XXXX XXXX and designated by my XXXX XXXX as XXXX due to XXXXXXXX XXXX XXXX and can not walk more than 50 feet. My wife is XXXX XXXX XXXX XXXX and has major knee problems. On XX/XX/2022 ; I received an email from XXXX  changing the pickup location from XXXX  XXXX, inside the airport to unknown outside location where we have to exit the airport entirely and take a Bus with " Parking Go '' logo on the front. They also indicated that they are very sorry about the inconvenience due to this change. I immediately tried to call the number on the reservation voucher and no answer. I wrote an email to the address on the voucher and requested the cancellation of my upcoming reservation due to their location changes and we both have knee problems and can not speak XXXX  language. My email was delivered and my reservation was not cancelled. I protested it with Chase Bank and they sided with the XXXX claiming that I agreed when reserved of no cancellation but, I do have legitimate reason to cancel and be refunded. Pickup location was inside the XXXX as clearly indicated by XXXX, then the location was changed to go by a buss outside the airport with different car rental company. It's totally legitimate and I have the right to cancel. I tried twice with Chase and did not get anywhere. Chase should side with me and return my money. I am requesting your help with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a Sallie Mae student loan, I had made my monthly payment on XXXX/XXXX/15 in full, {$130.00} and I requested a Forbearance at that time. I was told by XXXX in customer service that my Forbearance was indeed processed and I had nothing to worry about, as it was for ( 3 ) months. A few days later, I started receiving calls from Sallie Mae stating that my payment was past due for XXXX 2015. I called them and was told that There was never a forbearance placed on my account and that I would be going into collections if they did n't receive another payment for {$130.00}. I advised that I could n't afford another payment and that was why I asked on the last call. They took a financial stmt from me and said there was nothing that could be done. I called back on XXXX/XXXX/15 spoke to XXXX # XXXX and advised of all my prior calls and issues, he stated that he got permission from a supervisor to override the {$50.00} forbearance fee and process the forbearance through XXXX/XXXX/15 and if I wanted to request another XXXX, I 'd have to call back prior to that date and pay another {$50.00} to have it processed again. I called back that same day and spoke to XXXX to re-confirm that the forbearance was in effect, XXXX stated that it was and that he not only spoke to XXXX, but that he looked at my acct and it was showing there. Today is XXXX/XXXX/15, I started receiving calls from Sallie Mae stating that my acct was seriously past due and that I was headed to collections if they did n't receive a payment of {$270.00} before XXXX/XXXX/15. I called today and spoke to a supervisor # XXXX, she stated that none of the forbearance went through because I was past due in collections and had not paid the {$50.00}. I advised my entire situation and she said that there was nothing she could do and said for me to make the Min payment and come out of " collections, '' but I explained that was n't possible as I had trusted the Reps that I had spoken to at Sallie Mae and they mislead me to believe that my acct was in good standing in Forbearance. I am currently in an economic deferment with XXXX for my federal loans, and I advised that to the Supervisor. 
I do not know what to do and I have already paid off XXXX Sallie Mae loan last year, I have an impeccable credit report, am a single mother and do not want this to affect me negatively. 

Please help me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
when orignal noteare challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Just a few months after graduating from my XXXX program, I started to receive letters in the mail regarding repayment for my student loan. My student loans comprise of both federal and private loans. On several occasions do I recall numerous attempts to reach out to my lending companies ( Salliemae/XXXX/XXXX ) to see if their were options regarding lower monthly payments for my student loans, and on several occasions do I recall the representative expressing the inability to do so without any real explanation. Luckily, I was able to have my initial monthly payments through ( XXXX ) of approximately {$500.00}, lowered to approximately {$290.00} a month. However my requests to have lowered monthly payments through Salliemae/XXXX were denied. Since graduating in XX/XX/XXXX, I have been paying approximately {$890.00} a month directed towards my loan through Salliemae alone, in addition to the {$290.00} I currently owe through XXXX, as a result, in XX/XX/XXXX, I had to forbear my Salliemae loan because of financial hardship. I feel extremely hopeless about getting out of this debt without having any options to help even just decrease the monthly payments, and especially because of other financial obligations I have when it comes to being the only sole provider for my family with XXXX young children. I am not asking SallieMae to completely abolish my loans, but to simply work with me to reducing the monthly payments, and so far working with SallieMae has been very frustrating and disappointing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Received on XX/XX/2023 a prepaid card from Chime including my name and an account number I did not request or inquire.They encourage activation for the purpose of direct deposit. I am not currently employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My hard inquiries after the two year period ended, my credit score did not reflect the negative drop in my score, that was dinged by the Bureau. The other two Bureaus updated the score according to the numbers it dinged my score. Experian would not. I had 4 on my report, but three now. Two more will drop off this year. I should have my score back where it was dinged by them. I worked too hard to get my score in the high range.

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 2023-02-03
Company: Kriya Capital, LLC
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:
Credence resource management shows on my XXXX XXXX that I failed to make a payment. I have never opened an account with credence resource management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
all of my personal data is handled by my half sister who controlls everything in my hose hold the most recent is my dad and her controlling getting my po box and they updated the address to wich i couldnt even change because they would take proof of my new address they just brought me back two pages from my credit report. Its been ripped up but i remember the date of the transunion report and was XX/XX/21.

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