BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX  / XXXX / {$1400.00}

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 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.

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 2023-06-16
Company: Block, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, I reached out to Afterpay via the hardship department about my loans totaling of about XXXX XXXX I was not past due at this time, payments were scheduled throughout the next six weeks originally before enrolling in the hardship program. 

I was told my payments were all paused while Afterpay processed the plan. 

Early morning of XX/XX/XXXX I received an email saying that the plan was approved, that my first payment would be XX/XX/XXXX and that no payments were due until then giving me breathing space A few hours later I began getting back to back charges totaling over XXXX XXXX from Afterpay, forcing me to freeze my debit card to make it stop. over the next few hours they would attempt over XXXX times to take the full XXXX ( XXXX as XXXX had been successful moments before causing me to overdraft ) The payments were never due, they were spread out until XXXX originally before the hardship enrollment. 

Upon enrolling in the hardship, there was an unexpected error ( afterpays words ) which caused this because it was entered incorrectly on their end. It had marked every single loan past due and changed every installment date to XX/XX/XXXX. 

Afterpay adjusted the hardship to its proper terms several hours later after several emails ( they do not have a phone number ) but are refusing to return the money that was wrongfully taken. They admit that it was a mistake on their end but will not return the money to me. I have emails proving this was a mistake that they admit. 

Afterpay refuses to return wrongfully taken funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/2017 I applied to consolidate my student loans to qualify for Public Service Loan Forgiveness as I have been working for a nonprofit for over 3 years and none of my prior payments are eligible. In addition I changed my contact email and address with the reprensentative. The same day I COMPLETE both the consolidation and income driven repayment plan ( REPAYE ) on XX/XX/XXXX and it estimated my payments of {$0.00} per month. Navient, sent me a confirmation email on XX/XX/XXXX to the UPDATED email address. In XXXX. I called because I hadn't received information on the status of my consolidation and my IDR and was told that it was still processing. Late XXXX I received an letter stating my consolidation was approved. Fast forward 6 months, XX/XX/XXXX and I received a email from Navient ( to the correct email ) stating that my student loans were past due and asking me to reply YES to a forbearance. I replied yes and immediately pulled my credit report and called Navient. They had reported on my credit report that I was past due as of XXXX. I spoke with a Representative who informed me that my IDR wasnt processed and my bills were available through my online account. I asked her why would they NOT email me to inform me of this, yet they emailed me about a forberance so they clearly had my email address. I also let her know how time sensitive and unfair how much this is affecting my life. She advised me that I would have to recomplete a new IDR application and also advised me that I would have to send a letter to the dispute team to get the negative removed from my credit report. I let her know that I did not want a forberance through XXXX as I am prepared to make any upcoming payments and that I would recomplete the application and send in documents to the dispute team. She told to me call back in a week to verify the dispute team received my request. I called back a week letter and they had not " recieved '' or logged the document in the system. The next rep advised me to call back in a week. Today a week later a called again and the rep told me the same thing, ' that they had not received it as of yet " and he also told me that the forbearance through XXXX is a courtesy and if I want to start repaying next month I can but that it takes 21 days to process new IBR application. They also told me they could not speak to someone in the disputes department about this unfair error and I have to wait until they received my letter even though I sent it over 2 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
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:
I have 2 open cases with Citibank Fraud Department that is not being handled professionally by Citi. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX. 

1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX XXXX # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to Citibank who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual. 

2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX XXXX however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ . The cash app id that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with. 

Please urgently contact Citibank and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by Citi. Please note I am a victim of identity theft and Citi is providing no assistance or evidence why they reject the claim. 

My last conversation was with XXXX XXXX Citi XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX XXXX  Dept Complaint # XXXX -- -- -- -- -- XXXX XXXX Your Confirmation Reference Number is : 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 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting 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:
There are numerous capital one hard inquiries on my credit file. These inquires are fraudulent. I have submitted a ftc identity theft report and contacted transunion and they will not remove them. I have not applied for credit with capital one. Please have these removed to reflect fair credit reporting. Capital One Auto Finance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXXLakeview loan servicing is the mortgage administrator for my home loan. I have been trying to pay my XXXX mortgage for over a week. This companies site has been down for almost 2 weeks without any notifications from this loan servicing company. If you go to their site is says page not found. The company has not indicated any waivers of late payments due to their site being down and again no notifications were provided. When you call the company you speak to an " Incident response '' team that will not provide any information or estimated repair times. I do not want to be penalized for something out of my control and again no communications were provided to date! This is no way to conduct business with such important transactions being handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020 I deposited a cashiers check into my checking account at Chase bank in the amount of {$1900.00}. I was told there would be a hold on the funds till XX/XX/2020. The next day, XX/XX/2020, I called Chase to inquire why my cashiers check had a hold and they put me on hold for several minutes and came back on the line and said the check was good and they were releasing the funds, Because I was uneasy dealing with this amount of money, I asked Chase to call the issuing bank and confirm that the check was in fact good, They did and came back on the line and said they talked with XXXX at the issuing bank and the check was good. I asked Chase to send me a short email stating the check was confirmed to be valid. The response was that " Chase does not do that but you have my word the check is good. '' Based on this, I spent {$1600.00} of the funds at XXXX XXXX  and that same day at XXXX XXXX  Chase debited my account for! ,XXXX and said the check was ficticious and altered. I never would have used the funds had I not relied on the validity of a cashiers check and Chase giving me their word the check was good. This entire conversation was on a recorded line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
The issue is that when Im trying to login to my online transunion account, it never allows me to review my credit report online nor dispute it. Its very unfair to me that Im not allowed to do so and I feel that I am being discriminated against. I do not want my report mailed to me. I want to be able to review my report online and dispute online as well because its cheaper for me and due to my age and XXXX it will be more efficient. This is a violation of my rights. I feel like Transunion is purposely trying to hinder consumers from getting their transunion credit reports online. I have been fighting this issue for almost a year now. And I have called them several times. It allows me to login after the code is sent to my email but then it stops after that. 
I have attached my Drivers License and SSN card for identity verification so there should be no issues at 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 2023-06-16
Company: EQUIFAX, INC.
State: TX
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:
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I 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 person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Attn : Consumer Financial Protection Bureau XX/XX/2023 To Whom It May Concern, This letter serves as a formal complaint that you are repo inaccurate and incomplete information on my credit report. The notation of the following late payments and multiple accounts is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. I have provided proof from the financial institution that there were only two accounts paid off and the other accounts are reported incorrect with no late payments. 
In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAADL status ( Paid As Agreed, Never Late ) according to consumer protection laws I am in total disagreement with your investigation response. 
Dept of EdXXXX : XXXX - {$25000.00} please list account as PAADL. 
Dept of EdXXXX : XXXX {$1300.00} please remove account. 
Dept of Ed/XXXX  : XXXX - {$5500.00} please remove account. 
Dept of EdXXXX : XXXX - {$1300.00} please remove account. 
Dept of Ed/XXXX : XXXX - {$12000.00} please remove account. 
Dept of EdXXXX : XXXX - {$200.00} please remove account. 
Dept of EdXXXX : XXXX - {$1300.00} please remove account. 
Dept of EdXXXX : XXXX - {$100.00} please remove account. 
Dept of EdXXXX : XXXX - {$520.00} please remove account. 

Furthermore, I demand that you provide actual proof that the information was verified, not a computer-generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers for information.

3. The method of communication you used to verify the information.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law. 

Sincerely, _________________________________________ 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 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
BANK OF AMERICA : ACCT ENDING XXXX WILL NOT PROVIDE PAPER STATMENTS AND AT TIMES, NEVER RECEIVE ANY ONLINE BILLS TO NOTIFY ME WHEN PAYMENT IS DUE. I WILL RECEIVE A BILL AFTER DUE DATE WITH A LATE CHARGE LISTED. 
THERE IS NO CUSTOMER SERIVCE. CUSTOMER SERIVCE NUMBERS- RECEIVE RECORDINGS AND NO ONE EVER GETS ON THE PHONE IN SPITE OF ONGOING RECORDED MESSAGE : SOMEONE WILL BE WITH YOU SHORTLY. 
BANK OF AMERICA SHOULD NOT BE ALLOWED TO REMAIN IN BUSINESS WITH THESE PRACTICES TO TACK ON LATE FEES AND THEN NO RESPONSE TO CUSTOMER SERVICE. 
I'VE TRIED TO RESOLVE THESE ISSUES, ATTTEMPTED TO CONTACT THEM WITH NO RESPONSE.

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 monetary relief
Consumer complaint received 2018-09-10
Company: D&A Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had two accounts with XXXX XXXX  ( XXXX, XXXX XXXX ). Due to unemployed these tow bills when into collections. The first collection agency was XXXX XXXX XXXX XXXX XXXX, I sent them a letter stating that their company did not have license to collect a debts in the state of Maryland. So in XX/XX/XXXX I received letters stating that my accounts had been sold to D & A Services. I sent them a letter stating that they did not have license to collect in Maryland, the letters was sent XX/XX/18 and XX/XX/18.In the letter I asked them to remove the two accounts from all 3 credit reports. I have not yet to get a response from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/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 2022-03-21
Company: EQUIFAX, INC.
State: GA
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:
After paying off one of my accounts ( XXXX XXXX ), Equifax decreased my credit score by XXXX points and at the same time, my credit score with XXXX increase by XXXX points. 

I contacted Equifax for an explanation and after the customer service representative could not sale me one of their credit monitoring products and I declined, I told him I was only interested in filing a complaint against Equifax, he told me to figure it out myself. 

I understand the concept of leaving an account open once you pay it off but I do not understand why Equifax would lower my score by XXXX points after the account show a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received XXXX emails about a credit line increase with XXXX XXXX citi bank credit card that I did not make or authorize

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