BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}

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 non-monetary relief
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 report act XXXX  account # XXXXand any inquiries on my credit report is in violation of my rights. 15 USC 1681 section 602 a. States I have the right to privacy.plus 15 USC 1681 section 604 a.states a consumer reporting agency CAN'T FURNISH A ACCOUNT WITH OUT MY PERMISSION

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 2019-10-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2018, my TD Bank credit card was used to purchase over {$2000.00} worth of clothing and memorabilia. I contacted the bank to notify them of the fraud. After an investigation, they determined it was not. I asked what further steps I could take in order to get it resolved, an associate told me I would be sent some kind of merchant paper which I would have to sign and send back stating it was not me that made the purchase. I never received the form and through many calls, I was told it was sent out. I confirmed the address and everything else, the bank still did not help me resolve this issue. I asked for the investigation to be reopened, the bank did not do so. After checking online, ( XXXX XXXX XXXXXXXX ) I found that a person can only be liable for up to {$50.00} for fraudulent activity on their account. I notified the bank once again and was put on hold for hours without a response. Countless times, I have been bothered by the bank or their debt collectors but no one seems to care about the fraud that occurred on my account, they only care about the payment. I shouldn't have to pay when a bank is not able to keep my account secure. Especially when I have tried to resolve the issue so many times, I am being bothered and told that I need to pay or it will be given to the next department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: MOHELA
State: CA
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:
While paying my Federal Unsub loan balance using Mohela 's " Payoff Calculator '' I submitted the full calculated payment amount to completely pay off and discharge the loan principal and interest amounts. Upon submitting the payment I was notified that I would receive confirmation by mail that the loan was fully paid off. Not only have I not received that notice but now there is {$0.00} of outstanding principal on my account when I checked after my payment went through. It is only {$0.00} but the idea of keeping the loan active after I was told it was paid off is ridiculous, If I had never checked back I may have never closed that loan that I had paid over {$42000.00} on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for a school closer program, I was in XXXX XXXX University back in XX/XX/2007 which XXXX XXXX XXXX bought the University. There was a whole mess with fraud and I was not feeling comfortable attending the school anymore. I paid other two loans belonging to XXXX XXXX XXXX but I refused to pay for the other loans due to the mess that happened back in XX/XX/2007. They are forcing me to pay I can't no longer have the option for deferment or forbearance. I am a single mother of two and they just denied it without a verifying all the facts. I do not have the money to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I emailed Chime Support asking for the ability to do remote deposits on XXXX They responded by email on the XXXX with freezing my count and telling me I had 3 days to respond with a long list of things to verify my account. 

I followed up with all that and then some as instructed by replying to their email on the XXXX. 

I never heard back if they received it or if i attached everything requested. 

Because they made threats of making a decision within 3 days if I didnt include it, I followed up with another phone call. 

Was told they didnt get items that were attached in that first email. I responded again with the items a 2nd time. 

Spoke to a manager who said that department was a separate department with no way of them contacting them. Was told we would hear back in 24 hrs. 

Received an email shortly after saying there was a new timeline, outside of the 1-3 days of the first email. 

Each time I call in, I verify my name, address, SSN, transactions, my phone number gets verified, I verify my email address as well. 

They should be able to easily to verify me multiple times and ways but they are not following their own timelines when its convenient for them. 

They tell me one thing and timeline but never stick to it and no one makes any effort to communicate, just locks me out of my funds. 

They then hide behind that the investigations team is only able to be reached by email and not by phone, that there was no way of us communicating with anyone from that department to try to further resolve and verify it. 

When we asked to speak to a manager, we would just get rerouted to another customer service agent and not an actual manager with any different authority. 

I asked who their department was that handled CFPB complaints and is set to resolve issues of their is a complaint. Was given more run around. 

Changing time lines, asking for the same documents multiple times, saying no one can be reached to resolve anything, itd a mess and they are stealing my money. 

Just requested they close it out and cut a check to the address on file and they still his behind the investigations team that no one can talk to is the only people and thats when they then quoted the 45 days and ref e. 

So they just site rev e and are compliant when its convenient for them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRUIST FINANCIAL CORPORATION
State: IL
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:
In XX/XX/XXXX, I filed a complained with SunTrust about airline charge on our bank account. The international airline refused to refund our ticket after they said if we bought another ticket they would refund the old ticket. 
We reported the issue to SunTrust and provided all the documents including email. 
In XX/XX/XXXX, after investigations SunTrust Bank, reversed the charge and closed the case. On XX/XX/XXXX, without notification to us from SunTrust, they re-posted the airline fee. We called to ask why and to re-dispute the charge and they will not respond. We called Suntrust multiple time to re-expalin the re-charge and they have essentially ignored us and stated that the airline informed them we flew so they reversed the charge. We asked for evidence to support what the airline said and they will not provide us anything. We asked them to re-examine all the supporting evidence including direct email from the airline and they will not. As a result of SunTrust actions to re-post the charge on our account, it has led to multple charge-backs and NSF fees posted from SunTrust.

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 2019-08-03
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:
Equifax has been sent documents to verify identity for dispute purposes. I have several inquiries on my report that I did not initiate and I have submitted multiple disputes about these inquiries. I initially submitted the request in XX/XX/XXXX and followed up in XX/XX/XXXX and again XXXX XXXX. There have been no results of the investigation or any acknowledgment of the requests. I have two accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that were deleted from my credit report in XXXX and I just found out recently that the accounts have been reinserted and there was no kind of notification from Equifax that these accounts were reinserted as required by law. I have made multiple calls to Equifax and have attempted to resolve over the phone and online but I am unable to get assistance because they say they can't verify who I am. I have sent in multiple verification documents and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Chime Financial Inc
State: WA
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:
This complaint is regarding a processing payment that was " declined '' by my bank chime.. i contacted north coast credit about it and they told me they returned it.. i contacted chime and they told me that, that transaction of XXXX $ didn't show up in my account transactions. I had XXXX in my chime checking account before making my XXXX at XXXX XXXX loan payment that i share with my mother XXXX XXXX. So i would like for you guys to get to the bottom of this. Why was it declined when it was being processed and minused at the same time from my chime account. I want my money back. 
And here is the proof I was told to provide. Also you cant processe no payment and get confirmation number with a " thank you for your payment '' email if i had " insufficient '' funds.. both these agencies are going back and forth with me and im super stressed and dont know what is going on but one of them has my money that was for my payment that didnt get paid and that is stealing from me which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer in the mail that if I open a checking account with chase, I will get a {$300.00} credit, if I make a direct deposit.before XXXX. I took a screenshot of what I received from Chase when I opened the account online on XX/XX/XXXX and I made a direct deposit from my other account on XX/XX/XXXX. I then called Chase a week later to ask when can I expect the direct deposit, I was told that it will come 10 business days after the direct deposit. After the 10 days have elapsed, I called them back again and this time they said the direct deposit has to come from either the government or employer. This was nowhere mentioned in their previous advertising or correspondances so, in my opinion, it is totally misleading customers, a total scam to trick them into opening an account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: State Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had a medical bill of {$730.00} from XXXX XXXX hospital in  XXXX, Ga. The bill was sent to collections mid XX/XX/XXXX. The collection agency is called State Collection Service in XXXX Wisconsin. 
I paid off the {$730.00} in XX/XX/XXXX with my HSA. I have the proof in my statements. For some reason, in XX/XX/XXXX, after the bill was already paid in full, XXXX XXXX hospital sent the bill to a SECOND collection agency ( called XXXX XXXX XXXX XXXX. In XXXX, FL. ). This is now on my credit report, negatively affecting my credit, dropping my score quickly. 
I've made numerous calls between the hospital and the collection agency, and no one will listen to me. State Collection Service told me they show where I paid the bill XX/XX/XXXX, but that it's the hospital 's responsibility to fix it, not theirs. XXXX XXXX says they show no record of the bill being paid. They say the Collecting agency needs to report to them that the bill was paid. One keeps sending me back to the other and neither will listen or help. 
While all of this is happening, my credit score continues to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am having an issue with my student loan servicer, Mohela. I work for the state and have been on an income-based repayment plan for my student loans since early XXXX. I applied for the PSLF program in the middle of XXXX, and my loans were transferred from My XXXX XXXX to Mohela. I called Mohela several times between the middle of XXXX and late spring of XXXX to ensure that I would continue to be placed on the IBR plan and was assured that my plan would transfer over. I called again on XX/XX/XXXX to ensure that my account was on the IBR plan as I was still awaiting any information from Mohela regarding my repayment. I was told at that time that my account did not appear to be on an IBR plan but that the issue would be escalated and resolved before my first payment became due. I was also instructed that I did not need to reapply for the IBR program. On XX/XX/XXXX, I received a letter from Mohela saying they were experiencing a delay in processing my request, but that it would be processed. Last week I received a bill for {$1900.00} and was told that my account is on the standard plan. I was further informed that Mohela had canceled the request to evaluate my account to determine why I was not on the IBR. On XX/XX/XXXX, in an abundance of caution, I reapplied for the IBR program, specifically under the SAVE plan and my payment is set to be about {$430.00}. I called Mohela today to ensure that the application was received and was told that it was not. I then reapplied for the SAVE plan with a representative on the phone but was told that despite applying and despite my numerous phone calls the past few months, I am still responsible for the entire {$1900.00} bill due in XXXX. When I expressed concerns over my ability to pay, she told me they could place me on a forbearance, which will negatively impact my ability to apply for PSLF at the end of the 10-year period. While on the phone, I asked to speak with a supervisor and was placed on hold until XXXX XXXX. At XXXX XXXX, my call was disconnected by Mohela despite not being connected to a supervisor to try and address the issue. I am at a complete loss right now as I know I was proactive in reaching out to Mohela numerous times before they issued my first bill to ensure that I was placed on the correct plan, but instead, Mohela unilaterally chose to place me on the standard plan and is now saying I have 2.5 weeks to come up with over {$1900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the month of XXXX, I have reach out to GM financial asking if we could defer my payment for this month due to health concerns and also the holidays. The customer representee granted me the deferment for more than the time needed. She had informed me that Gm financial defer payments by XXXX  months instead of 1. During the duration of my loan I have never been late not once. The representee then mentions there will be XXXX time additional fee added to monthly payment and gave me an option rather if I could pay at the particular moment or when my next bill would be due after the deferment of payments. I agreed to the XXXX time additional fee and mention to the representee I will make the payment either before or day after. She then mentions there is a form I need to sign in order to start the deferment process and upon signing I must use a pin code to open the document. The document was signed and afterwards GM financial reports to the credit bureaus of the status of my account how my monthly payments were deferred. I then assumed then everything was taken care and I wont receive a late payment on my credit report. After GM fiancial noted on my credit report about the deferment of my payments, I then paid the XXXX time fee XXXX because it was convenient to pay the fee now instead of paying my agreed monthly car note of {$500.00} and {$210.00} together at once despite given the option to pay the XXXX time fee upon my due bill date. 
I contacted GM fiancial after seeing the late payment on my credit report. The customer representee then noted on my account about the removal of the late payment however its still being reported 30 days later. I am in the process of buying a house and this reporting has lowered my credit score dramatically. I have followed all that was required of me and I shouldn't have gotten a reporting of a late payment based off what was told to me from the customer representative on the day of requesting deferment of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2015, I reported to Regional acceptance Co that one accounts had been fraudulently opened in my name on XX/XX/2015. Regional acceptance instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by Regional acceptance Co that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from Regional acceptance co that I owe them. Regional acceptance co is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had made a complaint about my account funds not being available and I called to asked them what was going on because I clear have funds in my account and that could not explain what had happen so I thought maybe I was behind on a payment being this was my first time having a bank account and tried to deposit a check and they closed my. Account with our warning or explaining why it was being closed but I still get emails about my account that is closed I don't under stand I'm missing a total of {$6000.00} I have to recover from the m

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 2020-03-27
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm a residence of New York XXXX XXXX the hardest hit by XXXX, I am also a father of XXXX .I have been hit with a financial hardship after I been tested for XXXX we are down to single income ( PLEASE KEEP CONFIDENTIAL ). I will be sending my kids to live with their mother. When i am in self-quarantine i have reached out to all my creditor to explain my situation. I have tried many times to reach out to PPH/Ocwen but with no help. Please I am asking for the help of PPh/Ocwen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company TSI on my credit report says original creditor is XXXX XXXX. Says the debt was in XXXX. I have never had an account with direct energy. TSI calls me every morning even while the dispute is in progress. I have disputed several times. They have removed the account from my report and started a new account. I have had no contact with this company other than disputing the report. When the disputing started in XXXX of XXXX the calling started and new accounts were opened and placed on my report for collections.

Company response to consumer: Closed with explanation