BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: Nelnet, Inc.
State: FL
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:
I took out a loan for XXXX school that I believe was XXXX. It is now $ XXXX since it took be a bit to find a job, then my first job paid me $ XXXX a year. I am on a PAYE plan, for lowest possible payment, as I am married with a child. My loan increases because of my absurd interest rate ( 6.55 to 7.5 ). By the time I am forgiven for my loan based upon my plan ( 25 years ) I will have paid more than I took out. Then, I will get taxed as income the forgiveness, essentially resulting in me paying off my loans for the rest of my life. Interest rates go down everywhere but for student loans. 

I can not file married jointly for taxes because otherwise the PAYE plan will double my payment. Therefore, I file married/separate and as a result, I can't take advantage of a childcare credit. I also get no deductions for interest payments because of a ridiculous law. 

This must stop. It is ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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: Investigation took more than 30 days

Complaint:
I have updated information regarding Equifax 's investigation. A complaint was made on XXXX regarding late payments on my credit report and they replied on XXXX saying they are still investigating. Today is XXXX and i still have not received any result to the investigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681i ( a ) ( 1 ) ( B ), they have up to 45 days to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and it is well pass 45 days. They are in violation. I have attached a complete paper trail of my communication with Equifax. Awaiting your advice on this matter, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a Bank of the West Secured Credit Card with a {$1000.00} limit and a {$1000.00} security ( kept in the banks savings account. 

1. Back in XXXX I asked that the bank close my account ( at my request ) and apply the security deposit. They failed to do so. While I received a letter stating they closed the account ( letter dated XX/XX/XXXX ) with a balance of {$1000.00} from my voluntary request, they did not apply my security deposit. 

2. I have made multiple written requests, phone requests, and even taken to social media asking for help to get my security deposit applied. I have stated repeatedly that once they apply the security deposit and send me a bill for any difference I will pay the difference. They claim to call me back and leave messages, and yet they don't. Although they have hung up on me. When they have spoken to me ( because of my phone call attempts, they hang up, refuse to help - saying they have no ability, refuse to give me to a manager that can do something, or actually promise it will be done and nothing occurs. This has literally been the worst customer service ever. 

3. Instead they have charged additional fees/interest and refused to apply the security deposit. As of yesterday morning the representative i spoke to ( that their social media support transferred me to ) stated that if I pay the full balance which is now {$1100.00} ( due to fees and interest added ) that they will then at some point in the future mail me a certified check for the security deposit. But there are no guarantees of when I will get that deposit back. 

4. This is not satisfactory, that is my {$1000.00} in that savings account, I don't trust the bank at this point as they have spent months lying about closing the account, stating that in " two weeks my security deposit will be applied '', and now trying to get me to pay the balance and wait for a refund on my security deposit. 

Please help me to get this account closed and security deposit applied. 

*I have attached the letters received and the latest email outlining the events to the Bank of the West Social Media representative. I have also attached the last security deposit statement and the XXXX Credit Card Statement.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
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:
I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately, I have never had late payments on any of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect

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 2022-02-10
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received an invitation from Regions Bank to open an account and receive {$400.00} after qualifying transactions in XXXX of 2021. I opened an account, set up a direct deposit, and as of today 's date I have not received the {$400.00}. I tried calling to resolve this issue to no avail.

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 2019-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been received several calls daily from Portfoliorecovery at my work number. They are calling repeated time during the day. Today, XX/XX/2019 the have call me 4 times. In the last 15 days from today 's date. They have called my work number 15 times. It is considered harassment and they are distracting me from my job. They already call me on my personal number 3 times daily and sending me collection letter 3 to 4 times in one week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
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: Their investigation did not fix an error on your report

Complaint:
Good Afternoon CFPB I have been disputing inaccurate information on my credit report, there are multiple accounts that are reporting inaccurately. I have submitted multiple disputes starting XX/XX/2020 - the accounts have remained on my account. 

I am submitting a complaint as a last resort and I hope you can assist me in removing this inaccurate information from my report. 

Thank you so much, 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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2020-03-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a secure checking account with chase that starting closing the first week of XXXX and didnt " officially '' close till mid XXXX. I tried going in to branch to withdraw my remaining balance ( money from my paychecks deposited XXXX/first week of XXXX ) and was told id have to wait for a check in the mail which i should expect the first week of XXXX. That week came and went and I decided to phone in the end of the second week to see what was going on. When I finally got through to someone who was able to help, they informed me that no check was ever issued out because 3 days after they had originally told me id receive a check, they changed their minds and decided id only get my funds pending verification from maker. Ive deposited all my checks from that company into my account and Chase never gave me an issue, id always get my funds after the 9 day hold time. Long story short, they tried calling while I was on phone with them and kept getting a disconnected tone. They asked if I was able to get a hold of someone from company, and I informed them that I no longer worked there so my only option would be to drive to my former employers location, so thr next day before work thats exactly what I did, only to find out that the company was no longer in business. I again called chase and told them the situation and was told Id pretty much have to track someone down that could verify if I ever wanted to receive my funds. Im running out of options on what to do. I think its unfair that I cant have the money I worked hard for, especially because my checks have cleared and been given to Chase since XXXX/XXXX. Its now XXXX and I still have been given the same run around. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
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:
To whom it may concern : Under Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. A copy of a previous complaint and response is attach.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have deposited 2 payroll checks this month. each time a 6 business day hold has been placed on my account with out any notice. due to this my account is over drawn with over draft fees. I checked with my employer the funds have left their account. I would like these funds released as I need to pay my bills and I am acquiring late fees due to TD not being transparent about holds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax has been given identy theft of XXXX  credit card that is not mine * affects if score XXXX my XXXX XXXX credit cars reported stole * 56 credit hard inguires with names spelled wrong, evidence of XXXX not obtaining reports of Any bankruptcy of mine, investigated and removed.. XXXX   needs to remove all negative accounts on the things that are inaccurate, I paid mycar off+ cant get a payment late removed as it was paid off? Why??? 1 ) remove the late payment on the car* was closed and paid in full2 ) * I have 56 inguires only 2 mins ( XXXX XXXX - XXXX XXXX XXXX ) * Id theft w FTC , and All evidence sent 1 ) Id theft 2 ( documents of no backruptcy reported, 3 ) sims swap .. copy of my identy theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2020-03-06
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Reliant Capital Solutions, LLC
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: Public record information inaccurate

Complaint:
I spoke with XXXX XXXX and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during XXXX requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than XXXX account that is inaccurate. I still haven't had any help with information removed or no longer reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for Uber credit card (XX/XX/2020 ) under a promotion. The promotion stated that if you spend {$500.00} in 90 days you would receive {$100.00} bonus in Uber Cash. After receiving the bonus it prompted me how to redeem and use the Uber cash. On the XX/XX/2020 I followed the prompts as follows : Transfer your bonus to your Uber Cash Account. Download app and install to your phone. Login into your account in the app and use Uber Cash to order Uber XXXX. I ordered Uber XXXX   and received my food. To my surprise XX/XX/2020 my credit card was billed. My Uber Cash seems to be just virtually sitting out in cyber space as it seems to be just out there untouched. 


I contacted them about this and explained what happened. I talked to 5 different people and none of them could resolve this. I was so frustrated I closed my account.

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: TD BANK US HOLDING COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear TD Bank Customer Service, I hope this letter finds you well. I am writing to express my dissatisfaction with the recent response I received regarding my fraud claim, Case ID XXXX. I appreciate your prompt attention to such matters, but I must convey my concern with the resolution provided.

Upon reviewing your email dated [ Date of the email ], I was surprised to find that the reason for the rejection of my fraud claim does not align with the information I provided during my conversation with one of your agents. The email suggests that the transactions in question are valid and attributable to my actions. However, I would like to reiterate that I was out of the country, specifically in XXXX, during the entire period of the disputed transactions. 

I want to emphasize that these transactions are not mine, and I have not authorized them. As I communicated to the agent, I was not physically present in the location where these transactions took place. Therefore, I find it perplexing that the rejection reason points to the transactions being legitimate. 

I kindly request that you thoroughly investigate my case once again and reconsider the rejection of my fraud claim. It is crucial for me to resolve this matter promptly, as the unauthorized transactions are causing significant distress and inconvenience. I am confident that with the correct information, you will be able to rectify this situation promptly. 

Please provide a detailed explanation for the basis of the rejection and, if possible, share any supporting documentation or evidence that influenced this decision. Additionally, I request that you keep me informed of the progress made in re-evaluating my case.

I appreciate your prompt attention to this matter and trust that TD Bank will take the necessary steps to resolve this issue in a fair and timely manner. If you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a service done in late XXXX at Ulta Beauty that I was billed for, for {$21.00}. I wrote the check for that amount on XXXX  and mailed it. I get a bill/credit card statement in the amount of {$21.00} the following month. I called to tell them they received the payment and the women told me the {$21.00} was a late fee. They said they records show payment was late. I don't know if the mail has caused it to get there late or someone posted the payment to my account late. I did not pay the late fee. I told them it was an outrageous late fee. Now I receive another statement with an additional late fee of {$21.00} for not paying {$21.00} plus a {$2.00} interest fee. This bill is now up to {$45.00}. I have never seen anything like this in my life. Charging late fee on top of late fees. I closed the account but the late fees keep coming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time TransUnion emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX, and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I supplied proof and they will not remove a 30 day late status for that date in spite of a PERFECT credit score for decades with them and other creditors. I have asked twice for an investigation with no results. This is slotted to remain on my account until XXXX. This is unacceptable. It is obscene that I should be punished for such an occurrence, particularly when my account was previously impeccable and has been ever since!

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