BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my complaint for you to notify that I want you to delete those items that are seems to be fraudulent on my credit file. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These are the following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX, XXXX XXXX Balance Owed : $ XXXX, XXXX, XXXX XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$180.00}.

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 2023-10-14
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX I made a payment for {$1000.00} on my student loan, when I only had {$210.00} due. A week later, it said my account balance was overdue & the payment was reversed the same day. Again, on XXXX, I made a {$1000.00} payment & today, XX/XX/ it says my payment was reversed on the 6th after I checked, the payment had gone through. 

Customer service refuses to call me back, Ive tried waiting on hold for a human. The chat bot doesnt work. 

Ive now accrued interest of {$140.00} and Im now 2 weeks in to being overdue. Im very frustrated because this makes no sense at all.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: NC
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:
under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et. seq XXXX XXXX XXXX XXXX has violated my right by using abusive, deceptive, and unfair debt collection practices. i was told that i would be removed from XXXX XXXX along with my overdraft checking account that was in charge off status will be removed from negative reporting. so i agreed to pay the total of {$300.00} for my over drafted account. once i paid i was removed from XXXX XXXX and the Negative account or overdraft was never removed or payment history corrected as promised, only remark was ( paid, was a charge off but the missed payments still show. when i called to workout my issues i was told i paid the account willingly on my own and no one agreed to do anything for me.XXXX XXXX XXXX XXXX deceived me and choose to report the account in a Negative viewing still after i paid in agreement. Section 15 U.S. Code 1692h Section h permits you to dictate the account ( s to which the payment is to be applied, as well as prevents the collector from applying payment to a disputed account. such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. XXXX XXXX applied my payment without consumer direction in mind i will be submitting an Affidavit of truth and prepare for monetary award and request the debt collector to pay your attorney fees if this is not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: JPMORGAN CHASE & CO.
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I reported 16 unauthorized charges to my Chase Amazon VISA Credit Card totaling {$1500.00} as soon as I saw the charges posted on my account. The Chase agent told me that they would remove the unauthorized charges. 

On XX/XX/2021, I received a letter from Chase, dated XX/XX/2021, telling me that of the {$1500.00} unauthorized charges they are responsible for {$140.00} and I am responsible for {$1400.00}. The reason given for all 3 of the charges that I was allegedly responsible for was : " You received benefit from this transaction ''. However they don't say how ( i.e. they presented no proof ). Note : All but 3 of these 16 charges occurred within 5 days. 

On XX/XX/2021, I sent a letter to Chase telling them that I dispute their assumption that " I received benefit from 3 of the unauthorized transactions '' on my account. I stated for the record that : 1. I did not buy any airline tickets 2. I did not take any flights 3. I did not authorize any other person to take any flights 4. These transactions are criminal and fraudulent 5. I have no idea how anyone got access to my data. 
And I requested that they take another hard look at this matter and get back to me as soon as they reasonably could do so. I also said that I expect one of two outcomes, ( 1 ) they accept full responsibility or ( 2 ) they provide proof that " I received benefit from the transactions ''. 

On XX/XX/2021, I received a letter from Chase confirming their previous finding that the 3 disputed transactions were valid and I was responsible for payment. They did not provide any details or proof to support their findings despite my request. 


I am a victim of Identity Theft and Fraud and Chase VISA has failed to recognize this. I reported {$1500.00} unauthorized charges and Chase accepted responsibility for only {$140.00} and said that I am responsible for {$1400.00}. The reason given for all 3 of the charges that I was allegedly responsible for was : " You received benefit from this transaction ''. However they don't say how ( i.e. They did not provide any details or proof to support their findings despite my request )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have XXXX Federal student loans through Navient both under consolidation since XXXX XXXX XXXX From XX/XX/XXXX through XXXX XXXX XXXX  there were only XXXX payments where the entire payment amount was applied to interest and {$0.00} to principal. In other words XXXX out of XXXX payments had some portion applied to principal. 

However, something that is out of place occurred between XXXX and XXXX. From XX/XX/XXXX through XX/XX/XXXX all payments were applied to interest Only. 
That's a total of XXXX payments were no principal was applied. Perhaps there was something with the pandemic. But I never asked for forbearance. In fact, I didn't have any remaining forbearance on the loan. When I called for an explanation, the representative only spoke in generalities, but can not explain why such a long period of time passed were no principal was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We are requesting that the credit report of XXXX XXXX XXXX reflect the timely payments on his mortgage for both properties : XXXX XXXX XXXX, XXXX XXXX, Ct. and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ct. We are alerting PenFed that we plan on making our own tax payment to the City of  XXXX XXXX , Ct. no later than XX/XX/XXXXXXXX  and that they ( PenFed ) not pay the taxes prior to that date. since the taxes are not due until XX/XX/XXXXXXXX  and are late on XX/XX/XXXX. 
We are requesting that if the taxes are not paid on either property, that we be allowed to contract with the City of XXXX XXXX, Ct and make our own payment arrangements by XX/XX/XXXXXXXX   and that PenFed  not interfere with that process. We are requesting that PenFed  not make any payments on our behalf, one month before the payments are due, whether they are billed prematurely or not. We are requesting that PenFed not imply that the City of XXXX XXXX, Ct has the right/obligation or permission to enforce a tax sale for {$3400.00} in the State of Connecticut. The statutory minimum is {$15000.00} in the State of Connecticut.

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 2023-10-13
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been paying navient student loans and XXXX XXXX student loans but they have on my three credit reports that I am delinquent they are not showing the payment they have not accepted the hardship papers that I mailed to them last month they are refusing to lower the payments so I started to pay They didn't accept the deferment and they didn't accept the hardship papers but I have proof that I mailed them a payment in the order of money orders both companies I will submit that documentation now thank you the outcome is I want them to accept my deferment because I sent them proof that I received XXXX and I sent them to XXXX letter they did not acknowledge me instead they put on my credit report that I was delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I was notified via email that my new 360 checking account had been opened. On XX/XX/XXXX ( email wasnt reviewed until XX/XX/XXXX ) I reached out to Capital One concerned that said account was opened fraudulently and requested the account be closed. I asked a lot of questions pertaining to the initial start up of this account to no avail. The representative was very dismissive and instead was given the number for the credit bureaus. By XX/XX/XXXX a debit card for the fraudulent account arrives at my home address. I reached out again completely confused as most people committing fraud arent going to have the debit card and emails sent directly to the person whoms identity is being used. When I reached out wanting to be sure the account had in fact been closed and wanting additional clarity on if capital one had been the one that initiated the account I was told dont worry, the account will be closed and they will remove my email to insure I dont receive any more emails, as I have received numerous emails related to this account since my call on XX/XX/XXXX. Something is definitely not adding up and I feel as though Capital One opened this account. And without my authorization!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: IN
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows : Date of Birth : XX/XX/1985 XXXX XXXX XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Capital Accounts, LLC
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:
XX/XX/2021 Consumer Financial Protection Bureau Dear Gentlepersons, This is a complaint against XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX and Capital Accounts XXXX XXXX XXXX XXXX TN XXXX The companies that are listed above are reporting a collection account on my credit report that is erroneous. The listed original creditor is XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX. I have informed the companies that I paid for services and found that the dentist, XXXX XXXX XXXX, charged my credit card for {$2000.00} even though she was paid by the insurance company for services. The erroneous collection account appeared on my credit reports after I filed a complaint against XXXX XXXX XXXX with the appropriate governmental agencies. 

I am asking for disciplinary action against the three companies listed above and immediate removal of the derogatory collection account on my credit record. 

Thank you in advance for a reply. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I ordered a new XXXX Chase Credit Card back in XXXX of XXXX. My marriage was having problems and I wanted new credit card numbers to ensure my husband didn't have my credit card number saved somewhere " digitally ''. I used my XXXX XXXX over the phone to pay a doctor 's office telehealth copay over the phone on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my online Chase account and was shocked the dollar amount I owed on this credit card. It had approx {$2900.00} dollars worth of charges that I didn't make or recognize. I called and reported the fraudulent charges to XXXX Chase. I explained that I had the card physically in my possession during the entire time, but someone must've stolen my card number. Many of these charges are way outside my normal spending patterns and in parts of town I don't travel to. They immediately removed the charges and said that they would be doing an investigation. I thought the issue was resolved. In XXXX of XXXX, all the fraudulent charges were re-billed. I was in the middle of a divorce and wasn't receiving mail regularly because I was rarely " home '' and my ex wouldn't always save my mail for me. I didn't notice the rebill of charges until XX/XX/XXXX. I called and asked why I had these charges that were deleted in XXXX. They did an " audit '' and said that none of the merchants they had contacted about the charges responded to their request for information about the questionable purchases. There were several more phone exchanges that happened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ultimately they said that " all the merchants '' they originally contacted all replied and said that my card was utilized with the " chip '' feature, which means whoever used the card, had the physical card with them. Since I stated at the original reporting that I always had possession of the card, Customer service stated that either my ex-husband, other family members, or myself had " inserted the card into the chip reader '', and that I was responsible for all charges. I asked for another audit stating I didn't believe that they went from no merchants responding to all of them responding the same way. I also asked to be transferred to a supervisor or manager and was denied another audit or transfer to talk to anyone else. 

The XXXX Chase credit card company states they tried to call me twice in XX/XX/XXXX, and sent me letters in the mail XX/XX/XXXX and XX/XX/XXXX. I didn't have any voicemails from them and I never received the letters. I di n't file a police report because at my initial report, they said the charges were going to be removed. I thought the issue was resolved on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For stamps on approval, I've always sent back the stamps within 1-5 days. One shipment, which they claimed they did not receive, I spent over 2 hours back and forth with support, and they responded they found my return and had updated my account as returned. 
This was on XX/XX/2021.

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 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.

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 2022-03-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This text came from bank, which I don't have any current accounts with. By making it sound as if my accounts would be locked out money would be lost tried to get me panic and click this link they sent. Which you never click the link they send you no matter who they claim to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: U.S. BANCORP
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
-In accordance with the fair reporting act " XXXXXXXX XXXX has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2019-09-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.

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