BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/18 ), XXXX, XXXX, Transunion have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.

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 2018-11-07
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from XXXX a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from XXXX  a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called XXXX to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with Experian - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from Experian with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.

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 2019-05-23
Company: AES/PHEAA
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: Account status incorrect

Complaint:
FedLoan Servicing is reporting to XXXX, XXXX, and XXXX  that the 8 student loan accounts XXXX were late from XX/XX/XXXX to XX/XX/XXXX. This information is inaccurate and false. I requested a forbearance due to being unemployed XXXX XXXX this was approved from XX/XX/XXXX until XX/XX/XXXX and then I requested a new unemployment deferment XX/XX/XXXX. I have attached the forbearance request I submitted as well as emails indicating my account was approved to be deferred during those periods. 

This information has caused my credit to drop exceptionally with over 6 months of late payments showing when these payments were never late. I reached out numerous times to have these accounts placed on forbearance and a manageable repayment plan directly with FedLoan Servicing. I have asked FedLoan Servicing to update these accounts with the credit bureaus and they have not done so. I have also reached out to each credit bureau XXXX, XXXX, and XXXX  to alert them of this inaccurate information and they have not updated the late payments either, they continue to state they have verified the account is correct. However, none of the bureaus have provided physical proof that this information was verified as accurate. This is not lawful or compliant and is against FCRA 605 b in regards to debt furnishers. I am requesting this negative information be removed off ALL 3 credit bureaus immediately or I will be forced to seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an unsolicited Brink 's Money Prepaid Mastercard in the mail with instructions to call and activate now. I did not order this nor did I give permission for my information to be used to issue this card. I called the Ohio Attorney General 's Office and spoke to a representative reporting this, then I contacted and received my Annual Credit Report from XXXX, then I called the number on the card several times until I was able to speak to a representative. The first several calls asked for my card number and social security number before I could speak to someone. I finally waited without speaking until I got an agent. I cancelled the card, explained to them who I had complained to and to remove my personal information from their information bank as well as cancelling any card or account in my name. The operator said this was just an advertisement to get their information to consumers and I could cancel and conceal my information. I did so and then sent this message to the CFPB. I will gladly send any other complaints to any other agencies about this deceptive practice.

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 2018-08-30
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a bill from Chase with multiple charges for XXXX purchases. All charges were close but below {$100.00} some more than one per day. I called Chase and gave them info on XX/XX/2017 the same day i received the bill. On XXXX Chase called back and denied my fraud claim. After arguing with Chase they agreed to peruse the claim at the next level. That same day i filed a complaint with the XXXX XXXX Police Department complaint # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted police report and file complaint several about the fraudulent items on my report. The following are not mine nor did I authorize. XXXX XXXX XXXX  XX/XX/18 XXXXXX/XX/18 XXXX XXXX XXXX XX/XX/18XXXX 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 non-monetary relief
Consumer complaint received 2018-11-07
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
the company name is advance America the case was sent to some law firm who they are im out sure I have not revised any bill or letters in this matter I just talked to a lady a case is being filed against me case no XXXX the amounts is other XXXX or XXXX ths debt happen some time in XX/XX/2015 that's what the caller said

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an Amazon Visa card. It is through Chase. Purchases are coded with a number that is not mentioned anywhere on the Amazon site attached to any particular purchase. The only way to have an inkling of an idea of what has been purchased is to check the price on the visa bill against the orders on your Amazon page. On regular credit cards, the item purchased is described as well as the price paid. I find the strategy unreasonable, illogical and rife for abuse as one can not know for sure what the charge on the card is attached to at Amazon. Can the Amazon Visa people be forced to indicate the item purchased and the charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the purchase of the home, I paid the seller to remove the existing roof and install a completely new roof per manufacturer guidelines and installation instructions based on a 20 year Labor and Material warranty. The roof was not done correctly at all. I am suing the Seller and the Roofer, but they have announced they are broke and can't fix the damages. I can't live in the home as I am allergic to the mold growing in the walls and ceilings. I can't fix the home as I can't afford to myself, because it is about XXXX worth of damages as a result of the water intrusion. So I don't know what I can do ... It is a clear breach of contract, which I shouldn't be liable to maintain the deal on the purchase of the home. It is a clear violation of the VA loan requirements because the roof doesn't prevent water intrusion to the home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have two debit cards with Wells Fargo ; one of the cards is a XXXX XXXX XXXX account and the other is personal account. My personal card got declined while I was trying to make a purchase of {$600.00}. I called Wells Fargo and they said it got declined because it was over my daily limit of {$500.00}. I requested a raise in my daily spending limits, as I do frequently make purchases on my personal card for over {$500.00}. They said with my account that I couldn't get an increase, but that I could use my XXXX XXXX account because it had a {$3000.00} limit. I then asked them how I could go about getting my limits raised in the future, and they told me there is this department that periodically selects accounts that can be converted to an account where my limit can be increased upon my request. I asked them what the qualifications were to get converted to this other account, and they said there were no qualifications and that they randomly select accounts. Hearing this I was appalled and felt like I was being discriminated against, so I proceeded to file a discrimination dispute with Wells Fargo. The next week I get an email saying this Wells Fargo guy was looking into my case. Another week later I get a call from this XXXX, hotshot " Executive '' saying yes we are discriminating against you and other members of our bank, but there is nothing I can do about it and you are screwed. The guy was a real piece of work, and his name was XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have attempted to reach out to Transunion, XXXX, and XXXX  regarding this bankruptcy on my account but I have yet to receive a response regarding this information or how this information was pulled and put onto my credit report. 

I sent a letter regarding this information XXXX XXXX and still 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 explanation
Consumer complaint received 2018-06-26
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: Information belongs to someone else

Complaint:
Experian had a security breach and my information was accessed and fraudulent accounts are on my credit report that need to be removed. This is a federal violation of the FCRA. These accounts are not mine and need to be removed from my Experian report : 1. XXXX # XXXX 2. XXXX. XXXX   XXXX/XXXX # XXXX, XXXX, and XXXX. 
3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX XXXX. # XXXX 10. XXXX # XXXX 11. XXXX XXXX # XXXX 12. Chapter XXXX bankruptcy discharged # 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 2022-08-05
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok XXXXncome. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( Experian ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am trying to transfer money via XXXX and if prompted me to re link my once bank account and it said that my bank can no longer be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit file and I noticed that there are several items reporting inaccurately. Please assist me in getting the following items corrected : Incorrect Personal Information : Name : XXXX ( XXXX  ) There are Identity Theft or Fraud Accounts reporting : XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00}. 

Please remove unauthorized inquiries : 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 2020-08-20
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A deposit was made to account XXXX on XX/XX/XXXX. The next day I withdrew money. On XX/XX/XXXX TCF decided that this was a fraudulent transaction and started an investigation and closed this accoiunt. About {$1700.00} was in the acciunt before it was closed and they deposited 2 social security checks after account was closed. I was told investigations can be ongoing for 3 months. I have sent 3 letters, one of them was a requested notarized signature and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been disputing my mortgage payoff balance for several years. I have complained to my mortgage company, and they keep giving me standard non applicable responses. Despite the fact that my combined principle and interest payments exceeds the combined principle and interest of the original amortization schedule, they claim my home is not paid off. The basically extended my loan to make up for an arrearage, and had me pay off the arrearage separately. 


In addition, the Mortgage Company used a calculation to determine original arrearage, which was incorrect. They assumed it was interest only, which it was not. I produced a document from HUD  that showed the original arrearage was made up of interest and principle. Once XXXX paid all of the arrearage in XXXX, the principle portion should have been reduced from the outstanding principle. In addition, the mortgage should have been reinstated, with the principle and interest payments being brought forward to match the original amortization schedule. That would have applied more of my monthly payments to principle, following XXXX paying off my arrearage. Both the incorrect arrearage calculation, and lack of adjusting principle and interest payment distribution, created a error of about {$8000.00}. In addition, I think a penalty should be applied toward my mortgage company to the tune of about an additional {$2000.00}. Not to mention an excess penalty being applied to me in XXXX, to the tune of about {$2000.00}. That produces a grand total of about {$12000.00}, which should be reduced from my reported outstanding mortgage balance. Ill be  producing a spreadsheet, and will share it with PHH and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX 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 explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX 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 explanation