BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX Date XX/XX/2020

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 2018-01-16
Company: CL Holdings LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've attempted to dispute this unknown collection with credit bureaus. The collector verified this debt. This debt collection is unknown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TN
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 was a victim of identity theft. My personal information was stolen from my car and my id was used to get loans and credit without my permission. This is identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Navient # XXXX 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 : It also states a consumer reporting agency can not furnish account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: DIRECMANAGEMENT, INC.
State: AL
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: BAM Management US Holdings Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I initiated a {$30000.00} wire transfer from my personal bank account to Binance.US ( XXXX XXXX XXXX ) for deposit into my account. 
Shortly after the first transaction my account was XXXX with no notification or reason as to why there was a discrepancy. 
I was as a result have been unable to buy, sell, trade or withdraw both fiat and crypto currencies since after the first transaction initiated on XX/XX/XXXX. This includes withdrawing the money deposited to the institution back into my own account from which it was originally sent. I have had several smaller deposits and had funds prior to the wire transfer on XX/XX/XXXX. 
After waiting a day to perhaps allow the wire transfer to settle, I opened my first ticket attempting to resolve this matter on XX/XX/XXXX - ticket number XXXX Here are the following subsequent tickets attempting to seek resolution : XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX XX/XX/XXXX - ticket number XXXX I was finally given a canned response for a request of info from XXXX at binance.us support that my account was suspended due to security measures - ( a PAID wire transfer from my personal bank ) and inorder to unlock my account I had to validate bank account ownership. I complied and sent the information that was on XX/XX/XXXX Two tickets were opened after I sent the requested information with no movement so I opened more and heard back on XX/XX/XXXX to send essentially the same information that was already sent. So I complied and sent again later that evening on the XXXX. 
It is now a month later since I have sent the validation information, twice. 

I am still unable to access my property/assets being held by BAM Trading and Binance.US, NMLS ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX  and TransUnion are reporting XXXX XXXX account on my credit report as being included in a Chapter XXXX bankruptcy. I have disputed this inaccurate information with both credit reporting agencies and they both came back and said that the information had been verified. Meanwhile XXXX XXXX sent me a letter stating that my correspondence does not provide sufficient information to investigate my dispute. Which means that XXXX  and TransUnion did not do their due diligence and are still reporting information as being verified but it is not accurate. This failure to truly correct this inaccuracy has caused me an undue hardship. I am attaching my documentation received for you to review.

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 2021-10-22
Company: SLM CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Multiple problems but the 1st is with the sign up rewards bonus. I was supposed to get {$200.00} sign up reward after spending {$1000.00} in the 1st 3 months and that never happened. I'm also supposed to get 1.5 % rewards on each purchase but that ceased without notifying me. 

There is a separate problem with payment processing. It took them 45 days to process a payment one time. Now, they have a payment " on hold '' and are not allowing me to use the card. My current balance is- {$390.00} ( because of the delay in payment processing ) so they actually owe me {$390.00}. 

This is the Sallie Mae XXXX Credit Card. My limit on the card is {$7000.00}. Calling their customer service is not effective.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a business checking account with Chase Bank. Everyday, there will be revenue coming in and payment going out on the account. And always banks subtract payments and then later credit my fund from revenue from my credit card processing. 
So there is a problem, when my bank balance runs low. The payments that come in first will use up the balance. And every single transaction after that and before the revenue comes in, {$34.00} fee will be charge on each transaction. And I knew my revenue will cover the payments.They are often not big expenses, but few dollars or few cents. For example, my credit card processing company charge processing fee on daily bases. So, a XXXX cents processing fee overdraft will cost me {$34.00} for the bank to pay for me. Even though I know my revenue which will come in short after will have cover all that. 
Last month, the month of XX/XX/XXXX, more than {$500.00} fee was charged on my account. And almost every month there are XXXX-XXXX fee on overdraft fee. 
I called Chase customer service, they say they ca n't refund. I visited the branch located in XXXX XXXX XXXXXXXX. at XXXX California. They said they could not do anything and explained the reason as fees charged for the month and show up and individual charges. 
I tried to opt out the overdraft protection feature. But Chase still charges overdraft fee for all the scheduled payment like the credit card processing fee I mentioned above. So there is no way to avoid this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-10
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern : Enclosed are copies of supporting letters, bank statements, etc. showing proof of all required payments/escrow payments made to Mr Copper, loan # XXXXXXXXXX. This loan was transferred from XXXX XXXX Mortgage to Mr Cooper beginning XX/XX/XXXX. Our bank statements prove they received bi-monthly payments in the amount of {$520.00} which equals the required monthly payment in the amount of {$1000.00}. Every payment has been made through our XXXX XXXX XXXX XXXX bank as shown on statements has been on time/not late as shown & cleared to Mr Cooper as you will find enclosed, statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They have failed to correct their discrepancies which has caused me severe XXXX  and adding insult to injury they have ruined our credit with wrongfully reporting late payments to all three credit bureaus. When the inception of this loan was transferred to them they received an escrow credit of {$380.00} which should have been posted to our escrow account which they failed to do. Instead they posted it to additional principal.. I immediately notified them on XX/XX/XXXX, XXXX XXXX # XXXXXXXXXX. When the accounting department reversed the escrow credit {$380.00} from additional principal they also reversed one of my payments of {$520.00} which they lost both payments and for the past XXXX months have not found the money and credited our account. They responded on XX/XX/XXXX stating they forwarded my inquiry to their Account Service Department to locate & apply our payments. To this day, no response, no help, nothing from them. I have made more than 40-50 plus calls to Mr Cooper for the past four months just getting the runaround. The few people that did promise to make this right, fix the errors & told me not to worry about getting reported to the credit bureau because it was their discrepancies did not come through. They told me everything would get reversed & if there were negative issues they would fix everything. The people I dealt with the most was XXXX XXXX XXXX XXXX Team ( Supervisor ), Deandria/Manager for XXXX XXXX Resolution Team, Donyea/CSR, XXXX XXXX XXXX XXXX XXXX etc XXXX Please review all enclosed documents and kindly remove the late and/or late payments on this account & also balance our mortgage/escrow account which was current at the inception of this transfer all payments to date as current & return our escrow credit you received in the amount of {$380.00} from XXXX XXXX Mortgage back to our escrow account. Please remove incorrect late reporting to all three credit bureaus asap! If you have any questions or need additional documentation, etc, please feel free to call me at XXX.XXX.XXXX ( c ). 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Im tired of sending letters disputing the inaccurate information in my credit report to Equifax Is Equifax is violating my right with inaccurate information on my credit report I sent my ID and Address and I dispute to remove all the inaccurate names, addresses form my credit report and Equifax didnt remove this inaccurate information from my credit report even I sent the proves and documents Equifax even have a company in my credit report that I dont even work for Equifax is affecting my F. Credit with all this inaccurate information Im tired of sending letters to this F. Of Equifax and they are ignoring my disputes and violating the law No matter how many times I sent letters Equifax dont want to comply with the law Is an abuser company having inaccurate information that isnt accurate This F company is F my all credit report is ignoring me over and over No matter how many times I sent a dispute with proof I dont work in the XXXX XXXX XXXX  The only name That must have to be on my credit report is XXXX XXXX and XXXX current adresss Stop XXXX my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
In XXXX I noticed that my credit score was improving. I looked into Equifax for 1 dispute. For {$2800.00} it was my dentist ( XXXX. ) who was paid in full through my insurance so I sent all my info to equifax. I looked a couple of months later to see if my dispute was resolved and noticed my score dropped 80-90 points. A couple of weeks ago I heard equifax was hacked, and last night I looked into it. With some hesitation I checked with equifax to see if my credit was compromised because of being hacked and they told me Yes. This is so unfair I was working to build my credit, after a long illness and now all they can do is monitor it. In XXXX I owed {$500.00}. That 's all. All my student loans where paid and now I do n't know what to do. I wanted to buy a home and due to the fact that equifax, my credit score is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Professional Recovery Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am the consumer, I am the original creditor. I have no contract with the collector, and that the debt has not been validated. Please see attachment below on violations and affidavit of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Reason : I'm disputing the company Bank of America, Account Number XXXX. I disputed this account of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The reason I'm disputing this account because of inaccurate payment history reporting across all three bureaus ( XXXX, XXXX, and XXXX ). I contacted each bureau showing them how each bureau was showing inaccurately and inconsistently. XXXX is showing 60 days late for XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX and 90 days late for the month of XX/XX/XXXX, But XXXX is only showing 30 days late for those months. I also contacted XXXX by Phone on Monday XX/XX/XXXX and was told they received the dispute on the XXXX of XX/XX/XXXX and the company had already responded with the information. That is a violation of the FTC Act as this account is reporting inconsistently and inaccurately. I also asked for proof of all of these late payments but I have failed to receive this proof from the company and the Bureaus.

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 2019-03-08
Company: EQUIFAX, INC.
State: GA
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:
My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, please remove all this items from my credit report. These event has prevented me from getting finance as well as a better jobt to better my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: PA
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 filed a dispute for the incorrect items on my credit report and have not gotten a response and it has been 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
State: GA
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:
Using my Social Security Card, i opened a credit account with Synchrony bank creating a opened end consumer credit plan. The account showed an excess of {$1.00} resulting in a phone call with Consumer relations Corporate Specialist XXXX XXXX XXXX, extension XXXX. When i spoke of 12 CFR 1026.11 - Treatment of credit balances ; account termination she said she understood exactly what i was saying. She lied to me, she didn't understand the law and she didn't fix any billing issues. She said she cant compensate me when i never asked for compensation. I asked that any amounts owed or held for my behalf be credited to my account, any unearned insurance premiums or rebated be credited to the account. The law states upon my requested this is to be done. Why is the law being looked over synchrony bank? The company admitted to not sending me the correct billing statement, but they have not made an effort to cure the credit balance that is in excess of {$1.00}.

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 2019-09-21
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have consistently been paying more than the " monthly amount due '' on my PLUS loan. I understand that while my daughter is in school, I am only required to pay the interest, and expected that the overage was going to the principle. I tried to verify on Sallie Mae 's website that the overages were going to principle, but their website is very hard to navigate.

Today, I looked into it further and found that my " monthly amount due '' is less than my " unpaid interest and fees, '' therefore the overages were not going toward the principle.

I think Sallie Mae 's billing is purposefully deceptive and their website is purposefully hard to navigate.

Paying for a college education is hard enough without the lending institution misleading their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MI
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:
As I reviewed my recent report, I have found erroneous information 's reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX, received a letter from Chrysler Capital on XX/XX/2021, stating that I allegedly owe an amount of {$33000.00}. Within this letter, several consumer violations were found. On XX/XX/2021, I sent a debt validation letter and also a cease and desist letter pursuant to 15 USC 1692c ( c ). Chrysler Capital has still sent recovery trucks to and around my residence, which is a form of communication, which is a direct violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BBVA credit card payment department deduct my payment twice without my authorization, and they reluctant to credit back the extra amount ( {$460.00} ) back to my credit card account. Instead they insist they only do check or to my BBVA checking account if I had one. But I have my family member also being taken payment twice from BBVA without authorization, and BBVA credit back that amount to his BBVA credit card account. 
BBVA credit card department took money from my bank account without my authorization and they did not explain what went wrong in their system.

Company response to consumer: Closed with monetary relief