BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is a continuation of my last complaint XXXX in which my problem was never resolved and Transunion, On XX/XX/XXXX transunion sent me another letter without giving any information or doing a true investigation. They are refusing to do an investigation at this point and I want the Bankruptcy deleted for failure to preform a proper investigation and provide information about the Bankruptcy on my credit report. Below is the details of my process and also the documents I sent as well as their responses. 
On XX/XX/XXXX I sent a letter to Transunion asking for what method they used to retrieve information pertaining to a bankruptcy on my credit report. I told them I wasn't disputing it but just wanted the method they used to verify such information. On XX/XX/XXXX they only sent me a copy of report and not the information that I was asking for. On XX/XX/XXXX I followed up with them to see who they verified the bankruptcy through. I went to the court house and they gave me a letter stating that they dont provide any information to the credit Bureaus. On XX/XX/XXXX they sent a response with dispute results stating verified, but still never sent what I was originally asking for. I wanted to know who they verified the bankruptcy through. On XX/XX/XXXX I responded stating that their process could not be valid because they did not verify the information and identify how they got their information. Transunion never sent me any proof of an actual investigation and that I could report them if the bankruptcy is not deleted off of my report immediately. I also sent them a copy of the letter I received from the court stating that they dont communicate with credit bureaus. On XX/XX/XXXX Transunion responded saying that they completed a previous investigation and will not do anything else without new information. On XX/XX/XXXX I sent the letter from the court house again and told them their process was not valid and that they never sent me proof of an actual investigation. On XX/XX/XXXX Transunion responded again with the same letter saying that they previously completed an investigation and without new information they will not change anything. I sent information from the court house and they failed to complete a thorough investigation and provide me with the information I was asking for.

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 2018-07-06
Company: Herbert P. Sears Co., 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: Account status incorrect

Complaint:
I joined the military in XX/XX/2015, at that time I had to have my braces removed early due to my military orders. The original creditor agreed to remove the braces early and terminate the remaining payments on the contract. I do not owe the original creditor. Since that time the current debt collection company continues to report a debt of {$1700.00} on my credit report. This is false information that I would like reported from my credit report immediately. I am prepared to provide proof of military service, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I trust this message finds you well. My name is XXXX XXXX, and I have been a Chase customer since XXXX. I hold both a personal and business account under the name XXXX XXXX XXXX. 

To my surprise and concern, on XX/XX/XXXX, I discovered that my business account with Chase had been closed abruptly, and unfortunately, I received no prior notification or explanation for this action. 

Throughout the duration of my account, I have maintained a commendable financial record. There are no outstanding debts, and payments have consistently been made on time. However, I acknowledge that my business activity experienced a decline in the past months, primarily due to a challenging XXXX that required me to take some time off to rest. 

I am reaching out to request clarification on the reasons behind the sudden closure of my business account. It is imperative for me to understand the circumstances leading to this decision and to explore any potential steps for account recovery. 

Furthermore, I am concerned about the funds that were held in the closed account. As of XX/XX/XXXX, I have not received any communication or a check regarding the remaining balance. I kindly seek your assistance in providing information on the status of these funds and the steps necessary to facilitate their transfer. 

Your prompt attention to this matter is greatly appreciated. I would be grateful for any assistance you can provide in resolving this issue and ensuring a smooth transition of my account affairs. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called Navy Federal to ask a question about my credit card and was asked to provide my access number or my social security number. Now they are never supposed to ask for my full social but the last 4 digits if I decide not to use my access number. So I recently learned that due to consumer law I do not have to give my social security number. I have decided to give my access number which should provide all of my info. Then they ask for my address and date of birth and again my full social security number. Even when I dial in the automated systems tells me to enter my access number or my full social when calling in. So, with doing that all my info is supposed to show on the representatives screen without asking for my access number nor social Secuity number. They are not even supposed to ask for the last for digits of my social because everything is right there on the screen. 
So when I told them I would not supply my social security number it became a big thing and I was told that if I don't give it they would hang up on me. I asked to be transferred to the supervisor they hung up on me. I called back and asked for the supervisor and she also became nasty and told me she couldn't help me if I didn't supply my social security number. I said I gave you my access number and told her I think I was being racially profiled. I called back and got a rep who said as long as I type in my social it will manifest on the screen. I should not have called in to ask 1 question that could have taken 5 minutes or less but I has to call 4 times and it became an argument with workers who are not knowledgeable or racially profile me for ss # when I get XXXX XXXX reps they say I am verified on the screen but when I get XXXX reps they always want my access number and social security number. 

Isn't there a law stating I don't have to give my social over the phone. I don't feel comfortable with giving my social security number # over the phone with people working from home especially the ones who are very nasty in personality over then phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I WENT TO OPEN A CHASE ACCOUNT AND MY security security number BEEN EXSPOS I NEVER HAD ANY OTHER ACCOUNTS THEN CHASE IT WOULDN'T LET ME DUE TO XXXX  I believe MY SSN AND DAY OF BIRTH BEEN USED PLEASE REMOVE ME OFF OF XXXX SO I CAN HAVE A BANK WITH CHASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the resulIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigationts of the reinvestigation

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 2021-03-12
Company: Experian Information Solutions Inc.
State: NJ
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:
My Credit Report is showing an Active Account Was Closed & Deleted from my credit report & dropped my score all the way to XXXX. I originally called my secured card credit company to dispute the fraudulent chargers. My credit company told me they were then going to send me a new credit card and that the old one will not work. So Im just confused as to why it says I have no accounts open when In fact I have one credit card open.

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 2021-03-12
Company: EQUIFAX, INC.
State: IA
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:
Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I submitted a dispute with Equifax and its been over 30 days and I havent heard anything back in regards to that dispute. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I registered a XXXX account through Bank of America ( BOA ) using my email address, and received notification that my account was successfully registered today. I would like to add my phone number to my XXXX account. BOA 's online portal says I can not register my phone number to my XXXX account because this phone number violates the terms of service. Neither the website nor the XXXX BOA representatives I spoke with provided me with a reason why my phone number was in violation. 

I also called XXXX app customer service today and they said that the blocking of the phone number is on Bank of America 's end. 

BOA has registered my phone number for all other uses except XXXX and uses it often, including to send me security codes. 

I believe the problem is that a couple of years ago I attempted to register with XXXX XXXX also through BOA ), not realizing that it was a violation of terms to register a phone number that was ported through XXXX XXXX. My phone number is no longer ported through XXXX XXXX. I transferred it to a regular XXXX XXXX  account XXXX years ago. 

I believe XXXX should XXXX required to re-evaluate phone numbers that have been found not to comply with their terms. It is not fair or productive to block phone numbers forever, when the problem with the phone number has already been solved. 

Consumers have many reasons for wanting to keep their phone numbers for the long term. 

Thank you.

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 2021-09-21
Company: AES/PHEAA
State: FL
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 am eligible for public service loan forgiveness, but I am not getting answers, even though I applied for forgiveness back in XXXX of this year. 

I was hired as an XXXX XXXX XXXX in XXXX of XXXX. My loans were consolidated in XXXX of XXXX. I do not recall missing any payments. I asked that my loans be put in forbearance only one time, at the urging of a representative with PSLF. The reason I requested forbearance for a total of a couple of months was to get the payments to " match '' their due dates. 

I have submitted two addendums showing proof of payments and requests for payments where PSLF says no payment was due. 

Every time I call, I speak to someone different and am unable to get an answer. I've been told multiple times they are still processing my application to see if I've made the 120 qualifying payments. No one is able to tell me how much longer it will take to process. 

I have stayed at my job for the last two years solely because of public service loan forgiveness. I have spent hours on the phone trying to get answers as to whether I qualify and if not, why. 

Please help me get an answer. I've asked to speak to supervisors and been told my application had been expedited, but to no avail. I should be eligible to have my loans completely discharged so I can move on with my career.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I asked for the full loan payment history in XXXX or XXXX of XXXX. MOHELA responded with a payment history dating back to XXXX of XXXX. My loan originated in XXXX. I called back and told them if the error and they said they saw that the loan info sent only went back to XXXX and the origination date of the loan was XXXX. They put in another request and on XX/XX/XXXX sent the exact same payment history dated as starting XXXX. MOHELA has taken off the option to respond via email from their website making phone calls the only way to contact them. Im still waiting for a full payment history. MOHELA is the only loan servicing company that has held my loan. This should not be difficult to get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX  XXXX is reporting a credit card on my credit account that I have never opened with them, my information was exposed in XXXX  data breach and some other stuff was on my credit profile as well. That other stuff was deleted because they knew it was not mines.

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 2021-03-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is about the collection on my credit reports. First, I have been covered by medicaid since early XXXX and my son had been covered since XX/XX/XXXX, therefore any medical bills I may have incurred were paid in full by Medicaid as it clearly states me and my son are Medicaid recipients in our medical records. Therefore there never should have been ANY outstanding medical bills. That makes this a violation of HIPPA and federal law. Second, although XXXX has the date listed as XX/XX/XXXX for the first date of delinquent, this collection showed up on my credit report on XX/XX/XXXX. In XX/XX/XXXX I disputed this collection with the 3 major credit bureaus and it was removed from XXXX  and XXXX but not Equifax. Both me and my son insurance company have been reaching out since XXXX to the providers office/hospital and the collection company to explain to them that my son and myself have been covered medicaid recipients since XXXX. Our insurance company even offered to send our medicaid coverage over to XXXX to show we have been covered and they instructed me and our insurance company to pay the bill and its nothing XXXX can do. When I also reached out to XXXX via email regarding a debt validation letter for the account that they listed on my credit report they issued me a Payment History for another account with a different date of service. I also asked XXXX since XXXX to send me a debt validation and an itemized statement for the account they have listed as delinquent on my credit reportand they keep issuing me collection bills instead of the information I asked via phone to be to be sent to me from XXXX. Since XXXX The hospital where my son was seen have been informing our insurance company that my son was covered and they did receive a payment for the date of service he was seenwhich was in XX/XX/XXXX. Our insurance company have filed multiple grievances on our behalf against the provider and XXXX. The same bill turned up AGAIN and is continuously being reported on my credit reports. This bill that was paid by Medicaid has been haunting my credit report for years and has caused me great financial difficulties as a result of it being there. Now, im in the process of filing a grievance with the U.S department of Health and Human services and our local department of Health and Human services and our insurance company as well against XXXX and the provider, I want this collection removed ... immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Incomm Holdings Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I Received two {$50.00} gift cards XX/XX/XXXX activated-Vanillagift.com XXXX Serviced by Incomm Financial services , Inc I Tried using both on XX/XX/XXXX at local retail shops for amounts well below the {$50.00} threshold for each. Each time they were declined, Called their customer service number on the same day XX/XX/XXXX. Gave the rep the card info on one of the cards. He said " some retailers don't except visa gift cards '' and to " try other locations for purchases '' ( this alone is mis-leading advertising because their own website does not state this, quite the opposite ) Revisted issue with cards 3 days later on XX/XX/XXXX - Tried to purchase an item online - well below the {$50.00} threshold. Cards were declined, went to vanillagift.com, figured maybe I need to register cards for them to work, Balance showed XXXX XXXX  available on one, and {$50.00} on the other ( the only person beside myself that knew the card info was the customer service rep I spoke to on the phone at Vanilla ). Charges consisted of multiple {$10.00} charges to XXXX XXXX store on XX/XX/XXXX - this was not done by me. 

On the same day XX/XX/XXXX called customer service number XXXX at Vanilla - transferred to stolen card info dept, Spoke with a rep from XXXX. XXXX that asked for all of my personal info if they were to investigate issue, Info she asked for was my - DOB/Soc Sec # / Address, I declined to give info and she informed me that nothing else could be done to help me if I didn't give them that info. I asked her why the other card wouldn't work and she explained that " only '' certain places except them and to keep trying, she then ask me for the card number info, which I declined to give her. 

As of XX/XX/XXXX I have one {$50.00} gift card that was maxxed out and the other which is unusable at multiple online/ and local retail outlets.

Company response to consumer: Closed with explanation