BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
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: Account status incorrect

Complaint:
I strongly believe that you have violated the FCRA and the non-compliant with what you have reported. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2020-11-22
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was disputed with the original collector and was sold off. I have proper documentation needed for proof of identity theft and they refused to remove. I have taken action with Attorney General claims within my state to fight the disputed account that was already removed once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Business checking account ending in XXXX was closed by Wells Fargo on XXXX XXXX, 2017, after fees levied from my old merchant 's account ( case number XXXX ) caused this account to become overdrawn on XX/XX/2017 ( per letter dated XX/XX/2017 ). The fees included a non-compliance debit for me reportedly failing a test by a third-party vendor ( XXXX ) for using another third-party vendor 's ( XXXX ) site to process payments. Both companies, including XXXX XXXX, are included in the merchant services provided by Wells Fargo. I was not aware of these three third-party vendors, in addition to the Wells Fargo site, until after signing a contract for said services to which I consider predatory in nature as compared to other merchant services providers whose service is dramatically streamlined into one site. My old account has been reported to XXXX XXXX XXXX ( per their letter dated XX/XX/2017 ) which will make it difficult to open another checking account. Still receiving unwanted and annoying emails and letters from their bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My savings and checkings accounts were closed because of a check deposited into my account that was addressed to another person for payment of work. 

I think the payor reported the checks as stolen because my accounts were closed and reported to XXXX XXXX for fraud. 

Bank of America didn't allow me access to any of my information or speak to me about the accounts to settle this dispute. 

The payee of the check, that I'm guessing was reported for fraud, used to have a joint account with me, and the bank has allowed the payee/and myself to deposit and withdraw funds, including checks. 

I was a consumer with this bank for a few years, with only minor issues such as low account balance, overdraftfees, debit card holds when I went over my daily spending amount I sent with Bank of America 's online services. 

My online access was also closed. 

My account information has sinced been released once to myself and it was because I brought a release of financial information form that my eligibility worker for the county social services requested be submitted for my assessment for county services. That was XX/XX/XXXX. 

My accounts had been closed XX/XX/XXXX and correspondence with the collection/ consumer reporting agency, XXXX XXXX , didn't begin until XX/XX/XXXX. And last communications with the company was XX/XX/XXXX with no resolution or correction to the information reported by Bank of America, and my personal information continues to be flagged for fraud with any financial institution that I attempt to earn credit, use/apply for services.

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 2020-08-25
Company: JPMORGAN CHASE & CO.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have contacted chase 3 times to file an appeal to a decision to raise the credit limit on my card based upon incorrect information reported by XXXX and XXXX. I have not received a letter for denial nor a copy of the credit report they used to justify their decision. They have provided no information to justify their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I haven't heard anything on status of my compliance letter, So Im reinterating my request in The Fair Resoulution BOX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: NV
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:
Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a XXXX a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. 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 2021-04-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid 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:
In XX/XX/XXXX, I charged airline tickets using my Chase Sapphire Reserve XXXX to fly on XXXX XXXX in late XXXX and XXXX XX/XX/XXXX. XXXX offered to give me points ( flight credit ) after the flights were cancelled due to COVID19. I accepted this offer since the flights were non refundable. However, in XX/XX/XXXX, XXXX XXXX contacted us to let us know that they have cancelled service to the US indefinitely ( possibly permanently ). I immediately reached out to them for a refund, which they denied. They claimed I could use the points while in XXXX, but I do not live in XXXX. I filed an appeal with them, which they again denied, claiming that they had earlier offered me a refund, which is completely false. To be clear, XXXX XXXX has never offered me a refund. Recently, XXXX sent out communications prohibiting the use of points to travel on their airline through the end of XXXX. So, their original position that I could use the points is simply not true. At any rate, XXXX has been unjustly enriched by the {$5000.00} they have received from me for services they have no intention to provide at any reasonable time. 

At the same time I pursued a refund through XXXX, ( XX/XX/XXXX ) I reached out to Chase and filed a claim to have the charges reversed, as I paid for a service that I never received. I informed Chase that XXXX has defrauded me of my hard-earned money. Chase refuses to intervene on my behalf despite my long-standing status as a Chase card holder. I pay my Chase credit bill in full every month, and have done so for years. Chases position is that the charges took place too long ago for them to assist. This is an unreasonable position, as I purchased those tickets as early as possible to secure a reasonable fare for international travel. For a family of XXXX, waiting to the last minute to book flights would be cost-prohibitive. By their reasoning, anytime after XX/XX/XXXX would have been too late for them to intervene, even though the travel dates were later in the year. 

As soon as XXXX suspended service to the US, I contacted Chase for assistance as the terms of service from XXXX changed. I am no longer able to get the service that I paid for. On the basis that XXXX has fraudulently withheld my money and denied my valid claims, Chase has the ability to intervene on my behalf. They have declined to do so. To be clear, I enjoy travel, and I pay Chase a large annual fee every year to have this particular card because they have lead me to believe that they will intervene in just this type of circumstance. They will not and have not. My husband wants me to cancel my Chase card for just this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All three credit bureaus show a short credit history as a reason to report scores low. My credit history is over 20 years and not short by any means. All accounts are in good standing with no statutory late payments and no accounts past due. A 25 year credit history is not short and this is a misrepresentation of payment history and accounts on my credit. The only way I could have a longer history is to be XXXX XXXX XXXX and then have a 45 year history of credit payments.

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 2019-08-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I Called in and gave my information to have a security freeze removed. I was told that it was removed and this is the confirmation # XXXX When I applied to XXXX for credit I was denied because they can not locate file again. I reached out to Equifax/XXXX  and they said I had to supply my i.d and social again. I have supplied already multiple times and still no update. I have attached for you as well Every time I call they tell me I have to submit documents that I have submitted over 10 times. I am waiting my time and my money. I have been trying get this taken care of for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
still calling about the same issue I want my late payment refunded now I get a letter from a capital from this XXXX lady she XXXX  me a letter I have tried to call her back several times and I can't get a hold of her ever I have left several messages with her and she does not return my call I am going to keep fighting this until these get reunded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: NAVY FEDERAL CREDIT UNION
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:
I have a loan with NAVY FCU, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NAVY FCU, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
EXPERIAN, XXXX  AND XXXX  HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE : ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX  XXXX-NOT MINE PLEASE DELETE,

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 2020-08-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a discharge application for forgery/identity theft on XX/XX/2020. Despite being told it would take up to 10 business days to process my application and receive a final determination, it has been almost 5 months and have yet to receive a final determination. I have yet to even be advised as to what the unnecessary hold up is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm not receiving the escrow analysis. however, the only option provided by the bank is to register into an inaccesible page ( No posible way to register ... and the Customer Care officer recognize there is issues with the page ) I'll never receive my Escrow Statement if not login into the page .... 

My loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I used to have an account reporting on my credit report with Experian and XXXX. Now it is gone. It was an older account in good standing. When it was removed the credit scores dropped because it was an older account that helped establish my credit in 1995. 

Please put the account back onto my report please. 

Please see attached company information, as it is still being reported on my Equifax Report. 

Thank you, 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 2021-04-01
Company: Four Directions Lending LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I established a loan with West Side Lending XX/XX/2021 for {$200.00}. It was a payday loan. Their website offers a " Member '' selection option to login, make a payment, sign your agreement. However none of the options are working and haven't worked from the time the loan was approved. I was never sent the loan agreement or payment schedule and have no visibility into the status of my repayment. Their communication is lacking in that the phone number is not working and they are slow in responding to email communications. I believe I've repaid my loan in full but they are still withdrawing money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 {$1300.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$820.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$760.00}

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The company reporting a collection on my credit report has not responded to any of my request to show proof that this debt is mine. This unverified account is affecting my ability to obtain credit.

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 2022-01-07
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX XXXX I was going over my credit report and I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES ACT to help protect the integity of my credit. I was needing my following accounts to refected a current status due to the impact of COVID-19 : XXXX XXXX XXXX  XXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX  XXXX ( XXXX 30days ). 

I have addresses showing that do not belong to me. I never lived at these addresses please delete:XXXX  XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX OH, 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: 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:
According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, Consumer reporting agency Equifax have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I have never given permission or consent. Because of Equifax taking it upon themselves to assume this role, my privacy has been breached numerous times over the years, information has been reported incorrectly countless times and this in turn has had a negative impact on my credit score and me personally consenting to doing business with various companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I have 8 student loans thats serviced by Navient. I have been living at the same address for the past 5 years and Navient never mailed me anything about my deferment was ending and now they are reporting 5 of the 8 accounts are 90 days late. Tried to resolve over the phone agent stated she would retroactive forbearance since I never received any mailings and they did have the wrong email address. I emailed navient XXXX XXXX  and they told me to dispute with credit reporting agencies. So now have I disputed with agencies and cfpb, I want 90 lates removed at once, Navient is wrong.

Company response to consumer: Closed with explanation