BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We asked for a disaster forbearance in XXXX for hurricane Ian as I had standing water in my house. I was told by the company that services my loan Mr. Cooper that I could get a three month disaster forbearance and the payments would roll to the end of the loan as it was for a disaster. Now Ive been trying to make payments since XXXX to which they refuse to take them, they told us they miscoded the forbearance and some how an extension on my disaster forbearance was filed with out my knowledge or consent and then denied and now they will only give me loan modification or pay the total sum.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Account information incorrect

Complaint:
I sent in a dispute on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase Banking On XX/XX/XXXX I received a bonus email from chase to open a checking account. Upon direct deposit being set up for a first time checking account the bonus would be honored of {$200.00}. 

All steps were completed and bonus was not applied. 

On XX/XX/XXXX I called following up on this bonus. The call lasted 20min. The staff informed me they would send this to the back office to honor this bonus. 

A researcher was assigned to the case but did not follow-up by getting in contact with me. Stating invalid phone and email on file which is incorrect. 

I have attempted to call this researcher over 10 times and left multiple messages and have not received calls back in the course of a week. 


Following-up with chase a supervisor they informed me they would expedite and assign a new researcher on the case that would call me back in two hours. That did not happen as well. 


At every turn and point I have talked to a various employees who have attempted to call the staff researcher who provided a false narrative, without much success. No employee at chase was able to get XXXX XXXX on the line to answer their questions as well. Emails were sent with no response. 


I in-turn uploaded the email I reached from chase guaranteeing me a bonus along with the coupon code provided. I also included the email stating the bonus was automatically applied, which was not the case. 

They enticed the consumer to open an account using deceptive practices and have refused to provide guaranteed bonus, although all steps have been completed. 



I spoke to an employee XXXX today as well who decided it was best to send me to a voicemail instead of a supervisor that would take my call. XXXX forwarded me to the researchers voicemail box instead of his superior. The case number for that call is included below. 
- # XXXX - # XXXX Case ID for second escalates call towards Chase Back Office XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: EQUIFAX, INC.
State: NE
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:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Account information incorrect

Complaint:
On XX/XX/2023 I made a phone call to a debt collector that was hired on behalf of XXXX XXXX. My original account with XXXX has been in dispute over my ex wife opening it without my knowledge, this company had told me that for XXXX dollars I can settle the entire debt and that it would delete it from my report. In an attempt to simply put the entire thing behind me I agreed and I paid it. They assured me that Id get a letter in the mail and that no more than 30 days the account would be deleted from my report. I have not gotten any letter nor has it been deleted. This account is roughly one year from the 7 year period meaning it would fall off on its own. When I explained that they then told me to pay less and they would make sure it was deleted. I attached a photo of my payment to them as proof

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 2019-01-15
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX of 2018, I made arrangements to lower my student loan payment through Navient. They agreed that I could pay {$68.00} for a year and then have my payment reassessed. I paid them {$75.00} and waited for my next bill as instructed. The next month my bill was like {$250.00} dollars and they said no payment went through but my bank said it did. They refuse to honor the agreed upon payment of {$68.00}. Navient also calls obssessivly. They will call my cell phone 5 to 6 times a day and my land line at least 4. It is always a recording and reaching a deal person is difficult. Last time I tried calling I was in gold for 20 minutes and just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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. 

XXXX XXXX XXXX Account # : XXXX, Amount {$36000.00} XXXX XXXX XXXXXXXX XXXX Account # : XXXX, Amount {$9600.00} -XXXX XXXX Account # : XXXX, Amount {$740.00} -XXXX XXXX, Account # : XXXX, Amount {$800.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Amount {$2300.00} -XXXX XXXX, Account # : XXXX XXXX Amount {$540.00} All credit accounts listed above has violated my rights. 

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.

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 2022-05-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Credit Acceptance Corp sold me a vehicle that had mechanical problems and 3 months after I purchased the vehicle the transmission blew out. Credit Acceptance Corp reached a settlement agreement with me in XX/XX/2021 and promised to settle the debt and delete from my credit report. However, Credit Acceptance Corp is causing severe damage to my credit by reporting the account every month on my credit report with a new balance.

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 2021-07-15
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: Account information incorrect

Complaint:
I have been disputing this erroneous information for months now. Ive been told they there has been multiple investigations and accounts have been verified but all the information tied to these accounts are inaccurate, I've been patient up until this point because now these accounts are actually causing me damage.

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 2023-09-27
Company: American Credit Acceptance, LLC
State: IL
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:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: WELLS FARGO & COMPANY
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:
The foreclosure that was placed on my credit report erroneously, by Wells Fargo for a property that was not mine nor did I have a mortgage for it. foreclosure is on my credit report is false and needs to be removed.

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 2018-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My Name is XXXX XXXX XXXX and I'm the daughter of XXXX and XXXX XXXX. In the XX/XX/XXXX my family bought their first home with the home loan coming from Bank of America. Fast forward to the XX/XX/XXXX my Father XXXX XXXX was XXXX and tried in a XXXX XXXX and later XXXX to XXXX XXXX for a XXXX XXXX XXXX. My mother since has suffered two minor XXXX XXXX, diagnosed with XXXX XXXXXXXX XXXX, and has had XXXX XXXX placed into the XXXX of her XXXX and placed on XXXX XXXX unfortunately unable to work. I submitted a hard ship letter to Bank of America as well as worked on behalf of my parents for the last 4 years with XXXX submitting documents. Documents including paycheck stubs, Tax Forms, Budget forms, as well as entering into a re-modification program. We were indeed approved for the re-modification loan. We were approved for a trial mortgage and began moving forward. During the duration of the trial period all accounts of required funds were met and on time via cashiers check through the U.S. postal service. The last requirement needed from us was the signature of my father to reinstate the mortgage permanently. My father did not sign the documents but my mother was able to sign the last document. The bank told me moving forward not to send any more money and that the process would not move forward. the sale date of my family 's home is a week away. I am able to pay the mortgage and save it from foreclosure since working tirelessly through this re-modification process and for the past 4 years. from the age of XXXX. I writing this complaint as my last front for assistance and guidance in this matter. 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 explanation
Consumer complaint received 2023-10-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit 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:
Today, XX/XX/XXXX, I checked my credit card account of Chase Bank online and found out XXXX unrecognized transactions on XX/XX/XXXX and XXXX. On XXXX, there were two transactions : the one by Amazon, which amount was {$89.00}, and another one was XXXX, amount was {$10.00}. The last one was by Amazon, {$100.00}, which was pending on XX/XX/XXXX. I have checked my order history of Amazon online, and checked I did not purchase such amounts. Regarding XXXX, I recently paid only cash ; therefore, it was impossible. After founding online at Chase website, I filed them, closed my credit card, and called the customer service. All available records, including Chase and Amazon, were printed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/23 I wrote to all three credit bureaus, TransUnion, XXXX, and XXXX, to let them them know I know longer am giving them permission to report the account by the name of XXXX XXXX XXXX on my credit report. Well I just checked my credit report and it is still showing on my credit report for all XXXX bureaus. 15 U.S. Code 1681b ( a ) ( 2 ) states that - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Therefore, I am taking advantage of this law letting the bureaus know I do not give them permission to report this account on my credit report. I am including copies of the dispute letters that were sent on XX/XX/23 for proof.

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 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Received a hard inquiry on my credit report without my knowledge or permission from capital one bank  on XX/XX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I HAVE BEEN TIME AND TIME AGAIN COMPLAINING TO TRUIST ABOUT MY XXXX  XXXX, OF THE ABUSE THAT I HAVE BEEN GETTING. THAT THE XXXX XXXX NUMBER WAS NOT CORRECT. ABOUT LOANS BEING ADDED TO THE LOAN AGAINST THE EQUITY OF MY HOME WHEN I HAD NO EQUITY AT ALL, THAT PUT MY LOAN INTO A INTEREST BEAR LOAN. PAYMENTS I HAVE MADE DOWN THE YEARS WERE ADDED BACK INTO THE LOAN AS MISSED PAYMENTS ON TOP OF INTEREST. IN XXXX THE EXISTING XXXX XXXX AT A FIXED RATE WAS CHANGED TO A-ARM ADJUSTABLE FIXED RATE. I RECEIVED SOME DOCUMENTS OF A FORGED IRRRL VETERAN AFFAIRS COMMON BORROWER CERTIFICATION DATED XX/XX/XXXX AND ME SIGNING IT ON XX/XX/XXXX NOW IT IS A COMMA MARK IN FRONT OF MY NAME LIKE SOME OTHER MARKINGS WERE THERE SOMETIME BEFORE MY NAME WAS PUT ON THE LINE. AND AT THE BOTTOM OF THE CERTIFICATION DOCUMENT THE LOAN NUMBER LOOKS TO BE XXXX BUT YOU ARE SAYING IT XXXX ON THE TOP PORTION OF THE DOCUMENT AND BOTTOM OF THE OFFICIAL DOCUMENT THE XXXX LOOKS LIKE IT WAS FADED OUT. IT IS SAID THAT JUST ONE NUMBER CAN TURN A INDIVIDUAL LIFE IN ANOTHER DIRECTION. MY VA TECH PUT MY NAME INTO THE SYSTEM JUST THIS YEAR IN XXXX AND THE XXXX CAME BACK. FROM THIS XXXX DOCUMENT TO XXXX HOW IS THAT? THEN ON THE SAME DOCUMENT SAY I SIGN IT ON XX/XX/XXXX SOMETHING IS NOT RIGHT WITH THIS. IT IS SOON TO DATE A DOCUMENT XX/XX/XXXX ME SIGNING IT XX/XX/XXXX WITH AN UNIDENTIFIED MARKING BEFORE MY NAME. I WILL BE SENDING THE CFPB OF MY FINDINGS.

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 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I saw my credit reports after being denied credit several times. There are many inaccuracies on my credit file. Account that are not mine, many incorrect names, socials etc. 
I have been disputing these errors with XXXXXXXX and Trans Union and have gotten no response nor results. It has been over 90 days and they continue to ignore me. 
My character has been defamed at the errors in reporting on my credit files. 
Please Help Me

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 2019-01-15
Company: National Credit Systems,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:
I saw on my credit report I have a debt with an apartment complex called XXXX XXXX   for XXXX  and it was taken over by National Credit System.I was never notified of this before going on my credit report and nothing was sent to me.The original creditor has no proof of this debt and nothing had been sent to me with my signature.Or anything showing charges as well.This is effecting my credit and future for myself.Ive been back and forth with this company due to not showing proof or my signature or any information with my signature of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I sent a letter to XXXX XXXX on XX/XX/XXXX to cease efforts to me on my default credit card due to my disability, telling them that I intended to file for Bankruptcy chapter XXXX. My disability is XXXX  XXXX, and a XXXX  XXXX  turned to XXXX. I fell into a deep XXXX and have not filed yet. Part of my problematic state of mind was due to having been damaged by a surgeon during a total XXXX XXXX. I continued in extreme pain for months during which he failed to recognize and diagnose that he had failed to reattach the XXXX  XXXX XXXX. Only by seeing a different doctor did I find that out, and by that time, an attempt to reattach it failed due to the tissue change in the lapsed time. I have been increasingly in pain and XXXX since this in XXXX of XXXX. Unfortunately, I opened the Citibank  account when in an affected state of mind in XX/XX/XXXX. I tried to keep up payments until XX/XX/XXXX, with diminishing income and increased pain and difficulty in doing everything. 
On XX/XX/XXXX a company purchased my debt from Citibank  and delivered a summons on XX/XX/XXXX, to appear in court and answer by tomorrow, XXXX The company taking this action is XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, XXXX SC XXXX. 
I have a monthly income of {$750.00} by way of SS and SSI. I am XXXX years old and take the proper medications for XXXX condition, since diagnosed as an adult recently, but having suffered from it all my adult life. I am very despondent about it. 
The amount demanded is {$2900.00}, plus court costs and summons service. I do not have the means to pay.

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