BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: LoanCare, LLC
State: TN
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I was late on one payment. Called my loan care to get options. They said I have none. Called again they told me I could do a trial loan modification. Started the process. Was told I would need to pay 3 months and it wouldnt affect my credit score. Also that I could choose to not do it at the end. After 3 months the company went silent did not respond to my calls or email or inquires for help about next steps. Then was told I failed to make 4th payment and have to start over. Called over 5 times looking for call back from manager no responses. Covid hit was told I had to go in forbearance and not do another mitigation because they werent doing them at that time. Was told it would not affect my credit. Called for several months asking when I could comeplete the modification. Finally was able to complete the modification in XXXX. Completed the 4 months. Company told me that my credit report would be changed to reflect payments. I have been making payments continuously only during the 6 month period of forbearance. Was told I had to do forbearance or pay an amount that equates to like XXXX plus interest and not the original debt of the past due payments. I have attempted to email and all this company to fix the errors of the months they are reporting I did not make a payment when Im fact I was making payments under the trial modifications and in a period of forbearance. I was given misleading damaging information that almost out in to bankruptcy and foreclosure from one late payment. I was told during that one month of a late payment my only option was a loan modification which is untrue. Ive asked them to pull the calls several times. I would have not entered into any agreements without the false and misleading information from their staff. Now I am showing that I have not maid a payment since XXXX when in fact I have been making payments. They refuse to investigate or fix their mistakes. They have been made aware of my complaint for 2 years now and have failed to act or remedy the situation

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2018-04-23
Company: Navient Solutions, LLC.
State: CA
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 have been in repayment for 10 years since graduating in XX/XX/XXXX. I work at a non-profit organization for the past 8 years. I logged onto Navient website last month as a frequently do and a form poped up for student loan forgiveness. I filled out the form and turned it in. I recently got a letter from my fed loan that I did not qualify for loan forgiveness because the federal program my loans are through has been discontinued. I was not informed to be eligible for loan forgiveness I needed to consolidate to the XXXX XXXX direct loan program. The last 8 years of loan payments will not go towards loan forgiveness. I was told I can consolidate now but that would put me 10 years away from loan forgiveness, but if I was informed properly it would only be 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-27
Company: Experian Information Solutions 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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX  : {$63000.00} ; XXXX XXXX XXXX XXXX : {$370000.00} ; XXXXXXXX XXXX XXXX XXXX  : - ; XXXX XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: NAVY FEDERAL CREDIT UNION
State: CA
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 opened a checking account with Navy Federal Credit Union on XX/XX/XXXX. My niece XXXX XXXX XXXX ( a minor ) was a signer on the account. I had some financial difficulties including a withholding order from the California Franchise Tax Board which resulted in several checks that I deposited being returned. Due to these continued financial difficulties, I was unable to make deposits into the account to bring it to a positive balance and the account was charged off on XX/XX/XXXX.

To my knowledge, Navy Federal has made no attempts at trying to contact me to collect the balance due on this account. They have my social security number and my current credit bureau report reflects my correct address, telephone number and employer information. Instead, they reported this charged off account on my nieces credit bureau report. She was a minor at the time the account was opened and was still a minor when the account was charged off. She has recently married and her new husband banks with Navy Federal and tried to add her to his account, which they denied. They have repeatedly contacted her to secure payment of the charged off amount, even though I am the legal account holder. They have refused to assist her in both the branch and through their corporate channels. She requested an investigation into this matter and received a response stating that the Financial Crimes and Risk branch at Navy Federal had completed a thorough investigation and denied her claim, informing her that she would need to pay the balance due before they would remove any negative information or consider adding her to, or opening new accounts for her. Again, she was a minor over the life of the account and is not contractually liable for the charged off balance. I would like this information removed from her credit bureau reports and the records of the credit union, since she is not legally responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent THREE " CERTIFIED '' letters to all three credit reporting agencies ( XXXX, TransUnion, XXXX ) this year to please remove three accounts off my credit reports. There are two accounts from XXXX XXXX XXXXXXXX and one from XXXXXXXX XXXX 
I have asked all three credit agencies to verify the accounts and show proof from all three creditors that they can prove these are my accounts and no PROOF has been verified. 
I only get an updated credit report from every reporting agency stating, " account verified '' and absolutely no proof of verification from the three credit reporting agencies nor the three creditors.

I have called in to the credit reporting agencies to ask for proof from the creditors and nothing is offered or verified. 
Please help me to remove these accounts off my credit report. 
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 non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX acct # XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: MO
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:
THIS IS NOT A DUPLICATE COMPLAINT. Equifax is reporting an old account incorrectly on my credit report. The item is through XXXX XXXX XXXX, originally through XXXX, account number XXXX. The Type Of Account is displaying as OPEN on my credit report, even though the account has been closed and paid in full since XX/XX/16. Equifax even is reporting the date of the last payment, as well as the fact that it has a XXXX dollar balance, but still displays the TYPE OF ACCOUNT as open. This is incorrect. This account should no longer be displayed as open on any of my reports. It was CLOSED and PAID IN FULL several years ago. I have included a letter from XXXX  XXXX XXXX   confirming this as true, as well as a copy of the item directly from my Equifax report with the error circled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Everything goes well before XX/XX/XXXX, I can buy and sell coins through coinbase. Then I deposit XXXX $ to coinbase on XX/XX/2018. And the money number appears in my coinbase correctly. After this, they suddenly suspended my account and asked to add my SSN to complete verification. Then I try many times to use my SSN to finish this verification. But it always fails. I contacted coinbase then, and three months later, i still not get a proper solution ( they only replied me twice ).  Nothing i can do but wait. They can not let me DEPOSIT MONEY AND JUST LOCK MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not try to receive any credit card or do any increase. Nothing to do with XXXX XXXX, please fix this inquiry on my Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: IL
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:
Failure to abide by the law : Failure under Fcra demands that closed accts be permanent removed that are older than 2 yrsUpdated by CFPB Breach 1681 ( I ) never gave written instructions to whom it relates to report any activities on my consumer report violation of 15USC 1681 ( b ) ( a ) ( 2 ) please removed XXXX cards acct # XXXX and JP Morgan Chase Bank. Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXXInquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXXInquired on XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I review my credit profile and noticed several inaccurate accounts that are fraudulent reporting on my profile below are the following fraudulent accounts : Transunion : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Please see below the account that is still showing on my report. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I've have been trying to submit my information for MONTHS now to Equifax. I have sent it several times via FAX and Mail. Every time I've tried to pull my credit I have not been able to because they have an address from years ago. 

Okay, so I've called them several times to try and fix it. I have taken 2 days now trying to get some resolution but none has been made. they've just been referring me over to people after people where I have to re explain everything over and over. Taken in mind I've sent them my paperwork now several times. They still state they have nothing and only have my information from years ago yet the other Credit Bureaus have everything just fine. They have given me a claim number but still they say they have nothing. I contact my Mortgage Bankers and they state that they've sent them my mortgage balance every month on the XXXX however that there is no address. They have acknowledged that they are receiving my payments but still do not have any of my current paperwork. I spoke to their supervisor and STILL they say I can submit them online. I go online and yet I get told this from one of their online techs ; XXXX XXXX ( XX/XX/2018, XXXX XXXX  ) : In order to update information on the credit file it has to be send via mail or Fax. 
Me ( XX/XX/2018, XXXX XXXX  ) : I already sent it both ways 5 times!!!!!!!!!!! I just got off the phone with your supervisor XXXX referring me to do it here online because you guys have lost all my copies Me ( XX/XX/2018, XXXX XXXX  ) : So did your supervisor lie? 
Me ( XX/XX/2018, XXXX XXXX ) : I'm done wasting my time and playing games Me ( XX/XX/2018, XXXX XXXX ) : are you stating there is zero way to upload proof of my documents via your website? 
XXXX XXXX ( XX/XX/2018, XXXX XXXX ) : As We mention before since we are speaking regarding change information of your Equifax Credit Report, the information need to be send via fax or U.S mail. 
Me ( XX/XX/2018, XXXX XXXX ) : So you are telling me that is NOT possible to send my documents via online yes or no?! 
XXXX XXXX ( XX/XX/2018, XXXX XXXX ) : Regrettably, no in order to update Equifax Credit Report, the information need to be send via fax or U.S mail. 

I have done what they have asked several times and yet they are still playing games and wasting more of my time. I want to know who I need to speak with or be referred to about filling a major complaint against this Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi! We recently bought our home and our mortgage was bought by a company named Shellpoint Financial. We had them for roughly a month before we got notice that they were being bought out or our mortgage was being bought by a company called NewRez. We started this process back in XXXX or XXXX of XXXX. I just want to set up automatic payments and keep our military power of attorney form on file. Unfortunately neither one of these has happened. I have turned in by mail, phone and e-mail numerous copies of both the automatic payment form and the power of attorney form. The mortgage is in my husbands name and they sometime want to speak to him to verify and other times will talk to me. This has incurred a late payment EVERY month that we have had this company. And every month I have to call to make my payment and am told that a supervisor can help or whatever excuse Im getting with that phone call. I dont have the time or energy to call and complain to a company every month about paying my bill. Even the app doesnt work, to try to even look at my account. My husband is in the military and will be getting XXXX soon, and not being able to work with a company to get a resolution is absolutely absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Vendor charged me, on my credit card, for services I did not receive. Contrary to the Fair Credit Billing Act, Chase Visa Cardservices refused to accept my complaint about a billing dispute. This refusal is contrary to the terms of the act, which require the credit card company to carry out an impartial and thorough investigation during the proscribed time period. All calls are recorded ; this complaint is easily verifiable

Company response to consumer: Closed with non-monetary relief