BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX failure to yield. Stop to a pedestrian. Is a lie my XXXX hit ice I jumped the divider and XXXX stopped. No people involved. XXXX came and towed the XXXX to a shop. Please help insurance is to high due to this lie.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/ I phoned credit bureau to clarify an issue in my credit report first representative hung up on me right away representative # 2 insisted I just needed to just explain the adverse information was for one item not many and politely hung up credit bureau very unprofessional my creditor needs an accurate report from the credit bureau me informing the creditor is insufficient but at the same time why is my creditor giving me decreased credit limit and higher APR when the XXXX information was there when it approved me for the 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 explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Chase XXXX XXXX card at a XXXX balance for a year. Paid off in XX/XX/XXXX. In XX/XX/XXXX they charged a my account a {$49.00} annual fee when I thought that would not happen on a paid off account. Did not send me a bill, did not attempt to make live contact even though had phone numbers, have never been late before. Customer Service said they sent me an email notifying me of the charge but I never opted out of paper statements. I dont use my email address much at all and chase sends multiple spam emails a week so I would probably never have known. I would have expected a bill, notice of past due account, or even a call or text. Nothing. Charged me a total of {$110.00} from that {$49.00} plus fees and interest. Found out while loading applications on to a new phone and signed into the app. Otherwise would have never known. I tried to pay the bill completely off immediately upon discovery but the only over the phone option is to give Chase your full bank account number and routing number giving them full access to your personal accounts. Asked them to close the card and notified I would send them an electronic payoff from my bill pay service today which I did. Most upset that they potentially will report this account past due and could continue to affect my credit for many years if they report closed in past due status never turning back to an XXXX. I feel this was an error and lack of effort on their behalf. Error by claiming I opted out of paper statements. And lack of effort to make live contact with in a reasonable time period. Seems predatory and they were able to charge me {$110.00} for a card not used, tack on fees and interest because I was not adequately notified, and then try and convince me to give them access to my back account rather than providing additional payment over the phone or online options. They have caused a dropped our credit score which means other creditors will now charge more. Credit score was XXXX prior to this. Always make sure our bills are paid on time and they have hurt our perfect record. Customer service supervisor did not help in any way or agree to discuss credit reporting corrections. I paid the money, though deceptive practices were in place that caused the charges, but Im not okay taking a credit score hit with no accountability on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Refer to Previously Submitted Request # XXXX : Specialized Loan Servicing is NOT the servicer after XX/XX/XXXX. However, Specialized Loan Servicing ( a debt collector ) has been harassing us to pay off an alleged loan- which was PAID IN FULL -- - XX/XX/XXXX. 

The account was service transferred BACK to XXXX XXXX XXXXXXXX XXXX effective XX/XX/XXXX. 

We have sent cease and desist letters to Specialized Loan Servicing several times - and now they have created a payoff statement seeking money- under false pretense. 

Both, Specialized Loan Servicing and XXXX XXXX are debt collectors. 
( Even though the account was paid in full in XX/XX/XXXX ), we have not paid a payment since XX/XX/XXXX BECAUSE There is no payment due!!!!!!! 

But IF there was a payment due, per the Statute of Limitation laws here in Virginia, for mortgages, a debt collector is time-barred from attempting to collect - after 5 years for promissory notes, or 6 years maximum. 

That would be XX/XX/XXXX. Both companies are violating the Fair Debt Collection Practices Act. 

XXXX XXXX has sent several documents to us - showing paid in full. However, of course, NOW they have purged them out of their system. 

Recorded documents are also recorded in our County records, accordingly. 

We would be happy to forward additional supporting information later.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: MI
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 have two ( 2 ) different copies of a XXXX XXXX acct/trade with data as reported by Experian : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Both show the CORRECT last payment made for the account : {$150.00} on or around XXXX XX/XX/XXXX. A screenshot of the acct/trade with Experian taken on XXXX XX/XX/XXXX shows an incorrect last payment and date " {$80.00} as of XX/XX/XXXX " with a status update of XX/XX/XXXX. What this implies is the account/trade was CHANGED after XX/XX/XXXX in response to a prior dispute. However, the sticky information was preserved to maintain the account/trade in my Experian consumer file with false/misleading/inaccurate information. The CO annotations can only exist with respect to a Date of First Delinquency ( DoFD ). According to the Experian data, the CO status and monthly " CO '' derogatory indicators for this acct/trade shows as XX/XX/XXXX. I have Payment History reports supplied by XXXX XXXX from XXXX XXXX of XXXX for both XXXX and XXXX. Taken in conjunction wih the transaction notifications suppied to me by my financial services company, AND XXXX XXXX, it is clear the misapplication of the one-hundred XXXX ( XXXX ) dollar payment ( supposed to apply to the account/trade disputed here, XXXX ) was applied to another account XXXX. This single misapplication caused the account to be charged-off which is unfair and unlawful. Moreover, the account/trade is not being reported with maximum possible accuracy. The error on XXXX XXXX part caused the CO and thus to persist the CO payment status and/or the monthly payment history/status that indicates a CO XXXX XXXX XXXX XXXX see attached " XXXX  ). XXXX XXXX has a history of failing to correct consumer files for their student loan portfolio ( see attached CFPB XXXX XXXX XXXX " XXXX '' and see attached " XXXX '' ). Thus, the accoun/tradeline needs to be removed.

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 2023-08-31
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested my XXXX in mail never received 7 months later as well as I just bought a new apple phine got new accounts other updated all my passwords logins for XXXX XXXX XXXX XXXX Mohela Ombudsman All corrupt can not use my accounts my passwords logins do not work after I sat for hours on the phine to change all of this last month. I was sent confirmation of this and I still can not use I requested new updated loan status as far as my idk plans still never heard back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
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:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 5 separate times on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. ( A copy of the letter is attached ) I demanded every document they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not compliant with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be
p

romptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not ju
st verified through a 3rd party ) or it MUST be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: CA
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 am writing to formally dispute the presence of a fraudulent collection account on my credit report. After a careful review of my credit report, I have identified an entry for a collection account that I believe to be inaccurate and the result of fraudulent activity. 
XXXX XXXX XXXX XXXX  PLEASE DELETTE!!! 
I want to emphasize that I have no knowledge of any such collection account, and there has been no legitimate reason for such an entry on my credit report. The inclusion of this fraudulent information is not only damaging to my creditworthiness but also inaccurate. 
I am requesting an immediate and thorough investigation into this matter, with the ultimate goal of removing the fraudulent collection account from my credit report. As a victim of identity theft, I am taking all necessary steps to rectify the situation and prevent any further damage to my financial standing.

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 2023-02-08
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial received three checks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ally Financial claimed they did not receive XXXX XXXX XXXX  of {$2800.00} although I have receipt of all checks received by Ally Financial. They claimed there was no record XXXX XXXX XXXX. I called back after being hung up on and continued to inquire about the check. They gave me a false check number and later confirmed they did, in fact have the XXXX XXXX XXXXXXXX and posted it to my account immediately after I called back many times inquiring about this false check number ( XXXX ) they gave me. Again, although they claimed they never received or had any records of XXXX XXXX XXXX they immediately posted it after I inquired about the false check number I was given. Now Ally Financial is going into my account reallocating money. I did not give Ally Financial permission to reallocate any money from my monthly bill towards the principal. Ally Financial claimed that it is a policy in the Vehicle Service Contact but later confirmed that there is no such Policy. Now Ally is claiming that this is their Policy to have all cancellation refunds reallocated to the principal. However, they are refusing to give me this in information in writing. This specific Policy that Ally Financial is claiming exist is nowhere to be found Online and is not in my terms and conditions of my loan. I would like Ally Financial to stop posting things on my account and to stop reallocating money in my account without my consent. Each time I call I get told false information from the Auto Loan Department. They have displayed extremely unprofessional behavior and loud talking in the background. I have a recording of them laughing in the background on my voicemail.

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 2023-09-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have received targeted promotion to open a checking and savings accounts with Citizens Bank NA ( attached ) and get {$300.00} bonus on both if I follow the rules which I did. See account transactions for reference. Since never got the bonus, I have contacted the bank and case was opened to investigate the issue ( see attached ). The reply was that I didn't qualify for bonus since I was withdrawing my direct deposits from my checking and checking account closes after 10 days if {$0.00} value. I get my salary every two weeks and if checking account is closing after 10 days of zero balance it makes it unreasonable. 
Regardless of checking account promotion, I also never got my {$300.00} for savings account where I have tied up {$15000.00} for more than 3 months with virtually zero interest instead of getting market 4.3 % APR in other banks. There is no dispute that I followed all the terms of the offer for savings bonus, see all the transactions attached. 
This dishonest behavior engineered to make people deposit and hold substantial amounts of money with 0 % interests rates while not providing them promised payout. I hope you can address this unethical and probably illegal way of conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
From approximately XXXX XXXX XXXX University XXXX XXXX MN XXXX XXXX false promises and statements regarding tuition costs, loan agreements, job demand, job placement, class requirements, accreditation, and other matters to myself and other students. 

Prior to admission, I was informed that all grants, and scholarship funds ( including American XXXX Sholarship Funds ) were depleted, and that the only option was loans. 
XXXX staff claimed that the " student loans were the fastest and easiest way to pay for school ''. XXXX XXXX XXXX staff stopped signing my loan agreements after I questioned the terms and conditions. 

In XXXX I attended National XXXX University XXXX XXXX MN XXXX and graduated from the Massage Therapy XXXX XXXX XXXX A.A.S. 
In XXXX, I enrolled in the XXXX XXXX XXXX. The school abruptly cancelled courses, and eventually closed its XXXX XXXX XXXX location, where those classes took place. 

As a direct and proximate result, I was forced to pay $ XXXX dollars on a high interest credit card. I later defaulted on credit card payments. 
Currently, XXXX Nationally has multiple lawsuits and class action lawsuits against its locations alleging systemic fraud, deceptive practices, and other allegations by former students. 

XXXX loans have been transferred to multiple lending agencies, with each XXXX of them engaging in practices to cause financial harm by prolonging the loans. 
Nelnet XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Great Lakes XXXX, all of these have at XXXX time handled the loans All of the forementioned entities have seemingly went out of business or disappeared without a trace. 

I made thousands of dollars in payments to all of these agencies. Those funds are lost. 
As of XXXX I currently owe approximately $ XXXX dollars on XXXX loans that originated from XXXX XXXX XXXX 

As of approximately XXXX, XXXX, XXXX, MN is closed. 
XXXX failed to pay its lease during the majority of the time it operated in XXXX, MN. 
I applied for and submitted multiple borrower defense applications, alleging fraud, and deceptive practices by the school where the loan originated. 

In XXXX, I received a letter from the XXXX Department of Education stating that had applied for a XXXX XXXX, and that my student loans would be XXXX entirely, and that lenders all reports to credit agencies would be dismissed. 

As of XX/XX/XXXX, my student loans are held by Nelnet XXXX XXXX. They are in default and have been reported to credit reporting agencies. 

In XX/XX/XXXX, I was referred to CFPB, and the MN XXXX XXXX XXXX XXXX by the Minnesota XXXX XXXX Attorney General. 
All forementioned entities should have documents in their possession regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-01-11
Company: WESTERN EXPRESS LENDING
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: Account information incorrect

Complaint:
I had recently found interest into working with Western Express in XX/XX/2021 via indeed. I called spoked with a recruiter XXXX XXXX and was giving information to bait me into the company. Shortly after, I spoke with XXXX XXXX to verify what XXXX told me before I flew to TN. I was told by both XXXX XXXX XXXX that this company had LOCAL POSITIONS DRY VAN JOBS out of my hometown XXXX Tx, & that I only needed to come in for a week over the road training with a trainer because I was already a XXXX holder. The recruiter immediately sent me a plane ticket so that I can come there to start the process. However, when I got there they first send you through informational classes and in that class EVERYTHING they said was different from what I was told over the phone. Immediately after hearing that Western can not fulfill the work I was looking for, I in person reached out to a manager at the location within seconds.I spoke to a manager and told her due to me being a single mom I can not work over XXXX XXXX XXXX XXXX a flat bed XXXX XXXX She said unfortunately they dont have what I was told and shes not sure why the recruiter told me that. I called the recruiter and he said then began to play a game. So after learning it was not what I was promised over the phone I flew myself home the same day with my own funds. I was already uncomfortable because I had to share a room with a complete stranger. As I wasnt aware of sharing rooms also. And to only wake up and find the girl I roomed with XXXX. This moment I was extremely uncomfortable. I never drove for this company. I never completed training with this company. I did not obtain my XXXX A from them. I never went over the road with this company nor a trainer. I never touched any of their trucks. Nothing with this company but fly all the way there from XXXX to walk into nothing but lies. But theyre saying I did and is now reporting on my credit for {$2500.00}. Ive been calling this company for almost a year to only be giving the run around ; and still til this very day. I have proof of the ticket I bought myself home from XXXX TN. I tried disputing with XXXX XXXX but this company sent a contract over that was fraudulently signed with my signature. But in this same contract, it states youre not officially a driver until you fully completes training. Which I never did. This company fast talk and rushes you into things. By the time I left, I was already assigned a new recruiter.

Company response to consumer: Untimely response