BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: AES/PHEAA
State: NY
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:
On XX/XX/2022, FedStudentLoan Servicing, PHEAA. attached a letter at my FedLoan Account regarding the update of payment counts toward my Public Service Loan Forgiveness Program. FedStudentLoan Servicing, PHEAA, never notified me in an email as they publicly promised to notify students, that my PSLF/TESLF FedLoan Account has been UPDATED and FedStudentLoan Servicing, PHEAA, counted my PSLF Eligible Payments as XXXX, with PSLF Qualifying Payments ( Total ) of XXXX. FedStudentLoan Servicing, PHEAA, stated that PSLF Qualifying Payments ( Remaining ) is 1/ONE, and Estimated Eligibility Date for PSLF is XX/XX/2022 ( XX/XX/2022 ). Should I not open my FedLoan Account, PHEAA on XX/XX/2022, I would NEVER learn about my PSLF ( Public Service Loan Forgiveness count and updated due date for my loan forgiveness ). More importantly, FedStudentLoan Servicing, PHEAA, has left out purposely ONE/1 month less payment-count toward the eligible 120 payments for my PSLF eligibility for forgiveness. This is WRONG and financially hurtful ; it directly violates my eligibility for PSLF, even though on XX/XX/2022, I uploaded my PSLF Updated Application ( XXXX/XXXX/XXXX  for my complete student loans forgiveness, signed by my eligible employer XXXX XXXX XXXX XXXX [ see the document at my FedLoan Servicing Account ]. My PSLF application was signed by my employer on XX/XX/2022, which meant that FedStudentLoan Servicing, PHEAA, PURPOSELY omitted to count ONE/1 month payment more toward the eligible 120 payments for my PSLF eligibility for forgiveness. I allege that FedStudentLoan Servicing, PHEAA, left out this One/1 payment count voluntarily, so FedStudentLoan Servicing , PHEAA, will hold longer my Loans as 'hostages ', and WILL NOT PROCESS MY PSLF FORGIVENESS. In their letter from XX/XX/2022, FedStudentLoan Servicing, PHEAA, admitted that my eligibility date is XX/XX/2022. Then, WHY DIDN'T FEDLOAN SERVICING FORGIVE MY LOANS? FedStudentLoan Servicing, PHEAA, has received all my employers 's PSLF verified and signed forms up to XX/XX/2022, which includes XX/XX/2022, or the ONE month needed to be counted toward my PSLF for my student loans to be forgiven. Thus, FedStudentLoan Servicing, PHEAA, IGNORED ALL OF THE ABOVE, DID NOT ANSWER MY EMAILS I SENT. FedStudentLoan Servicing, PHEAA does not start the process of my public loans forgiveness, which has to be regarded, as I have completed ALL REQUIREMENTS FOR PSLF/TEPSLF Program/s.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: LEXISNEXIS
State: LA
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:
I am writing to dispute the reporting of bankruptcy information on my credit report. According to my credit report from the credit reporting agencies, it appears that bankruptcy information has been reported by your agency. However, I would like to bring to your attention that bankruptcy courts do not report directly to the consumer reporting agencies, and it is a violation of the Fair Credit Reporting Act ( FCRA ) for such information to be included in my credit report. 

I would like to emphasize the following points : Bankruptcy Court Reporting : Bankruptcy courts do not provide information directly to consumer reporting agencies. The reporting of bankruptcy information is the responsibility of the creditors and collection agencies involved in the bankruptcy proceedings, and it is their duty to accurately report this information to the credit bureaus. 

Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer 's report. 
( LexisNexis, XXXX, XXXX, XXXX and XXXX ) is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from Lexis Nexis under false pretenses in which they've obtained it from an online electronic system known as Pacer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have provided the company with proof that I paid the loan off. It was a {$35000.00} loan. I paid it on time every month. I have provided the bank with proof I made the last payment. It is saying I missed the last payment. Why would I pay the entire loan down and then mess it all up by not making the last payment? It was with Lightstream that then turned to Suntrust and now it is Truist. It has changed two times and no one will respond to me Truist. They told me there is nothing they can do about it. I received this response from Lightstream when I tried to have them fix it. 

The amounts that are provided by Truist as money owed and money paid do not match the emails I provided that are from Lightstream, proving that the information no matter what is in error yet they have refused to change it. 

" We are unable to assist you directly here at LightStream as we do not have the loan any longer. The loan is now with SunTrust Bank Recovery Department. '' When I tried to speak with SunTrust they refused to speak with me any other way than on the phone. It is my understanding that they violated the ADA by demanding that I only be permitted to communicate with them by phone to have my credit report fixed.

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 2023-06-23
Company: NCB Management Services Inc.
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previously, disputed account because account reports inaccurate. First mistake that I notice is that account is reporting " account not disputed '' this is false because account has been disputed! Credit Report shows that XXXX creditor is reporting account as " Payment after charge off paid collection purchased by another lender '' This is not possible if account is reporting as paid why would account be sold to collection and report as open account status while in collection and being derogatory. Account is a mistake itself. I have not received any documentation verifying debt as mine and information reported on credit report being correct. More than 30 days have passed and no documents have come in the mail. I have attached copy of letter along with current and previous credit report to assist with request. This documents have been sent to you by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have tried to open an on-line dispute on several accounts with both XXXX  and TransUnion. Although I can get a credit report, it will not let me use the on-line dispute center and without it nothing gets done. Finally, I gave up and filed blind dispute over the phone an email. 

The confirmation number is XXXX for XXXX, I do not have the conformation number for Transunion. 

Today I was finally able to get through to the Transunion Dispute Center, lo and behold they show no disputes! Even though I have a record and dates that filed them, even the chat log, while discussing.

This is a deliberate attempt to block people from correcting the record ; they are working with the criminal and harassing " Collection Agencies ''. I had a dispute on over 12 items ( Medical ) ; disputing the same accounts in the other credit agency!

I demand an updated Credit Report from all three agencies immediately, along with a list of all disputed accounts or records with their statuses and tie to completion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
Hi I am authorizing this complaint on my behalf I cant believe you guys taking advantage of me I am very upset the credit bureaus have not responded back to me about my investigation I sent letters its been more then 60 days I need these accounts deleted & updated. These are the items I demand to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a invite from capitalone credit card company. Before I filled out, the invite stated it would not affect my credit report, nor my score. I went onto my credit report after I received a alert from XXXX XXXX. Capitalone credit had removed three points from my credit score and also a hard inquiry. This apparently was misinformed information. And I did not give approval to have my credit score or report checked with clear direction and explanation from Capitalone. Can you please remove this hard inquiry from my credit report and replace my 3 or more points to my score. I reached out to the company and they told me to contact the credit bureau. The credit bureau told me to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Block, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
my cash app was closed all of a sudden with money in it and it said for violation of terms i did nothing but deposit money from my card to cash app and from cash app to my card i was given no real reason nobody could assist me with this situation i was told there was nothing they can do or no way i could speak with any one and i still have no answer or reason to y my account was closed i have been a customer for a long time and never had a problem i ordered a new card i paid for and was told i wont be able to use it and can't get a refund or a reason y my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
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: Investigation took more than 30 days

Complaint:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX COLLECTIONS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : 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 XXXXXX/XX/XXXX XXXX COLLECTIONS : XXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$5000.00}

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been going back and forward with Transunion about inquires that clearly are not mine, I have been a victim of Identity theft. I sent in dispute after dispute to have these accounts removed. somehow, they keep coming back as mine. When I ask Transunion to send me documentation with proof of how these inquiries are being verified they never do. This has been a burden on me and my family. Listed below are the fraudulent inquiries. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 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 non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: WI
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 mailed out my dispute letter to equifax on XX/XX/XXXX XXXX Credit agencies have 30-45 days to respond. I recently ordered my credit report prior to XX/XX/XXXX and notice that there were some things on my report that were incorrect. Here are the items I want to dispute XXXX XXXX XXXX This account was sold to a debt agency that can not validate I owe them this debt. The account is closed and the balance is XXXX. 

XXXX XXXX BNK- This account was also sold to a debt collector who can not validate I owe them this debt. This is a charged off account meaning the original creditor was paid for this account and I do not owe a company that bought a debt that was already paid.

These collections violate my rights under the FCRA and the Statue of Limitations have exceeded the time frame needed for me to be sued for these debts. Please delete these items off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited my significant others California federal government state tax check into my CHASE checking account. We both went into the branch showed our ID to a banker, he proceeds & endorses the check to me & she deposited it & said it would be available on XX/XX/XXXX. Its XX/XX/XXXX & chase said they can not release the funds until they verify that my significant other authorized the transactions ( which he did at the branch ) and will have to verify him through phone number. I gave them both his phone numbers & a chase rep said they are not showing in the records that thats his number even though it is. I bought them billing statements from the phone company, his ID, social & birth certificates & still get turned down. Please help were in need of this money & are willing & able to provide verification. My account is closed & they said the check is in suspense until they verify them & the bank it was issued to said they cant reverse or recall the check because it was cashed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been working with XXXX XXXX XXXX XXXX for almost 7 months to complete a re-fi cash-out on a small vacation property. Our credit scores are exceptional and financials impeccable. Wells Fargo has either lost, misplaced or had documents expire which has prolonged this transaction beyond an acceptable time frame. The rate lock has expired at least 4 times. The title commitment expired after 6 months and Wells Fargo wanted to charge us the {$100.00} fee for updated title documents. I refused to pay that since that was due to their slow process. The appraisal had to be updated after 4 months. The payoff of the original mortgage had to be updated at least 4 or 5 times. There were at least 6 emails from Wells Fargo that stated we were in " Final review ''. That never happened because financial documents kept expiring and had to be resubmitted and then reviewed by their underwriting team. Turned into a vicious cycle in which I finally refused to submit more and more documents. Had to get upper managers involved to try to resolve this matter which may now be close to completing. This should have been finished months ago. LTV is less than 45 %! Could have paid this mortgage off with our own funds but wanted to lower the interest rate, lower the payment, and use the additional funds to pay off another investment property. Whole process has been unacceptable. We have completed many, many loans and this has been the worst loan of them all!!!

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 2023-06-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a cheque from my roommate totaling {$11000.00} to reimburse me for booking a residence in California for a few months. A day after depositing the cheque, I received an alert from Chase Bank that my checking account is being suspected of fraud, and that a restriction is placed on the account. Additionally, the account is subject to close if I do not contact them. Immediately after receiving the alert, I contacted Chase Bank to resolve the issue. They told me that to remove the restriction on the account, they must contact the maker of the cheque ( my roommate ) by providing them with his phone number. After doing so, they said that the number I provided does not match my roommate 's name in their database. They claim that the only possible way to remove the restriction is to provide them with a phone number that they can verify in their database. 

I tried to suggest the following solutions : - My roommate and I come in to a Chase branch together to verify his identity. Chase told me that this is not possible. 
- I want them to provide me with more information on steps I can take to ensure that my roommate 's phone number can be verified in their system. They refused to give any details on this. 
- My roommate is also a client of Chase, so they should have his information on file to verify. However, since he sent the cheque through XXXX, they said this was not possible. 

Additionally, even if my account is closed, I've been informed that I will still not be able to receive my funds until I remove the restriction on my account. I currently have around {$15000.00} in this account, and if this issue is not resolved, I will be losing that full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX stated I owed a debt that I do not owe. They gave a XXXX dollar move out balance and refunded me my deposit. Months later they stated I owed them XXXX dollars after I moved out, after they signed a statement saying I didnt owe them initially.

Company response to consumer: Closed with explanation