BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
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:
CHASE BANK refused to refund a disputed charge I have from XXXX ( Booked through XXXX ) {$2300.00} on XX/XX/XXXX. That charge made by Travel Agency and the agency has cancelled the transaction according to numerous emails. I canceled booking on XX/XX/XXXX. Then I got letter from travel agency that my bookings are canceled and provide all information about cancelation policy including full refund, the handling time should be around 8 weeks. Its almost 6 months, since I canceled bookings and I still didnt get refund. On XX/XX/XXXX I have sent them email where I asked about refund issue and why I didnt get refund. They answer me we have checked and found that there is chargeback by your bank. Hence we request you to please speak with your bank regarding refund. After that tried to dispute this charge with chase, every time when I called to chase customer service I had different instructions from them about what information I need to provide in fax, they never contacted me in order to get additional information. However, I sent them cancelation letters from agency and fully explained my situation. On XX/XX/XXXX they sent me a letter that the transaction from XX/XX/XXXX is valid and refused to acknowledge the emails from XX/XX/XXXX that I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I specifically spoke to a PennyMac complaint representative letting them know that I spoke to a VA XXXX XXXX XXXX. I provided that VA XXXX XXXX contact information to the PennyMac complaint rep named XXXX XXXX. The VA tech specifically told me that PennyMac is one of the worst companies that lies to customers telling them the VA no longer allows the deferred payment option, which is not true at all. The VA does in fact allow this and did not cancel anything on XX/XX/XXXX preventing PennyMac from offering this. Even if this was the case, PennyMac should have let me know that they would not offer this after a specific date especially when mine ended 4 days before that specific date. Instead it seems it was intentionally withheld from me to get this extra money out of someone hoping that we would not do anything about this! I cant shop for anything cheaper at the moment as I have had to max out just about everything that I have to continue paying this extra XXXX $ a month for this mortgage! PennyMac not at least willing to do something about this is completely unethical and if needed I will contact a lawyer. Yes, I had to agree to these terms because if not I would lose my house where I am raising my family! So I was left with no other choice as PennyMac only offered 2 choices. Pay back all missed payments in one lump sun or take their enormous interest rate increase, which at the time was an even higher interest rate than what the VA allows!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Comerica
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
COMERICA BANK TOOK MY XXXX LOAN CHECK THEN CLOSED THE BANK ACCOUNT AND TOLD ME I WAS NOT APPROVED WITHOUT NOTICE. UPON DEPOSITING THE CHECK, I WAS ALREADY PRE APPROVED AND SUBMISSION WAS COMPLETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously filed a complaint against Lexis Nexis a few years due to their listing someone else 's credit file, names associations with mine incorrectly, addresses, and vehicle insurance information incorrectly on my report that they have sent to my vehicle insurance company. The information is fraudulent and I believe it has led me to be targeted as high risk in ratings when I get vehicle insurance. 

Lexis Nexis supposedly removed the inaccurate information once before but now it has reappeared on a credit report. The insurance company I have did not send Lexis Nexis this incorrect information. Lexis Nexis has stored this information in their database and is reusing it providing  incorrect information to creditors about me and my spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got a new Apple Card from XXXX. I have only had it a couple of months and have not missed a payment. On XX/XX/21 I paid my statement balance of {$2800.00}. It was taken from my bank account but the issuer informed that the payment and the card have a hold on it until XX/XX/21. They told me it was due to a reversed payment in the past and that in the future to have my payments in on time. I have not missed a payment and have not carried a balance. I was able to provide proof on that and they determined that there had never in fact been a payment reversal. They tried twice to release the hold but were unable to do so. I asked for an explanation as to why and was told by the supervisor he doesn't know why. He submitted a complaint on my behalf telling me " I might hear back from someone ''. This is clearly a way to deter people from paying the statement balance so they can collect interest. So now I am missing nearly {$3000.00} from my checking and can not use my Apple Card for two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In 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 USC 1681. Account name : XXXX  XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States have the 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 seven 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2021-06-18
Company: Kriya Capital, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXX reported multiple late payments on my accounts, however I was in the process of applying for federal student loan forgiveness and consolidation and was in the process of transferring this loans to the Department of Education. The loans were officially taken over by the department of education at the end of XXXXXX/XX/2022, but XXXX reported multiple late payments to my credit score during the transition process in XXXX and XXXXXX/XX/2022. I am trying to refinance my home to pay for damages to my roof and because of these items my lender will not approve this. On top of that, despite the credit reporting being of no fault of mine due to the active transfer process, I was severely injured in a car accident in XX/XX/2022. I am a XXXX that was working COVID Crisis assignments in XXXX all over Florida and was in an accident leaving me unable to walk for almost four months, and had no I come at this time. I am a single mother of XXXX children and I paid the necessary bills to survive, none of which included the loans from the XXXX XXXX as the account is closed and transferred, and I was told due to the pending legislation for student loan forgiveness for nurses, no payment is due at this time.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: AL
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-03-08
Company: PLANET HOME LENDING, LLC
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the year XXXX, I contacted my mortgage company planet home lending about a forebearance program they were giving clients at the time. I signed up for the months of XXXX, XXXX, XXXX and XXXX of XXXX and I sold my house in XXXX of XXXX, paying off the forbearance program on time and also my full mortgage loan. I then caught up on all my finances after a few months and went about to reapply for another home loan since rates were low. I was turned down telling me I had late payments for the months of XXXX, XXXX, XXXX and XXXX from the forebearance time. I called them on XXXX XXXX and they told me they would immediately take action to resolve this issue and remove false information. Well it is XXXX XXXX and they have not resolved this matter, what makes matters worse my credit report also has the month of XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX marked as being late on payments. Again I sold my house on XX/XX/XXXX and all those prior months listed on my credit report that are false and in accurate information from planet home lending. This is preventing me from getting a home!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: I-NET, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Obtained a loan from INET Inc, XXXX XXXX, XXXX XXXX Funding Supervisor Title Supervisor iNet Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph ( XXXX ) XXXX ext XXXX Fax ( XXXX ) XXXX On XXXX. They were the broker for the loan and put it through to XXXX XXXX. Inet refuses to send me a copy of the original title to the trailer so I can transfer it from XXXX  to XXXX, get it registered, tagged and a lien recorded. They won't return calls, have been stating that they overnighted this document to XXXX MVA on XX/XX/XXXX and then stated again that they overnighted it again on XXXX. They continue to play games, won't return calls nor provide the legal document to close this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: AL
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: LA
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:
Company XXXX XXXX XXXX said they were sending a code to remove this suspected fraudulent item masquerading as account to the credit reporting agencies. I contacted experian and the other two reporting agencies and they never removed this fraudulent item they never got the code

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 2023-11-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
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 am writing to express my concern regarding an erroneous late payment that has been reported on my credit report. I have made multiple attempts to rectify this issue by contacting the merchant as well as XXXX, XXXX, and XXXX directly, yet I have not received any resolution or acknowledgement of my dispute. 

According to my credit report, there is a late payment entry recorded for an account that does not reflect my financial history accurately. I have thoroughly reviewed my records, and there was no occurrence of any late payment associated with this account. This misinformation is adversely affecting my credit rating, and consequently, it is hindering my ability to obtain a mortgage and purchase a home. 

I have diligently contacted the merchant in question, explained the situation, and requested their assistance in resolving this matter. Unfortunately, despite their acknowledgment that there was an error made, they have failed to take appropriate action to correct the reporting with the credit bureaus. 


I appreciate your attention to this matter and your prompt resolution. Please inform me of the actions taken to resolve this dispute at your earliest convenience. I look forward to a positive outcome and renewed confidence in the accuracy of my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX  my bank account was showing that I had XXXX in it. I received a notification on my phone when I checked my online bank account. This was the combined total of the {$100.00} that I currently had in it along with the expected {$5700.00}. Since my account was positive I paid some bills. However, NOW, I'm seeing that my account is showing a negative balance of - {$470.00}. I feel like they are crediting my account but then taking that amount that is deposited if it means that my account will go negative

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 2023-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I downloaded the Experian app to look at any and all open accounts of mine on my credit. Seen a {$420.00} debt that was put to collections that is not mine. I did not and do not owe that money

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