BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Sallie Mae concerning filing for Student Loan Forgiveness Program. They put me on a Forbearance and told me what information to fax to them. ( XXXX ) Was told it may take some time. When I didn't receive information about Loan Forgiveness I kept calling and checking. Next thing I know I had been placed with Navient. They finally said I hadn't faxed the paperwork ( 6 mth. later ). Sent it in again many forbearance 's by this time. Kept being told it was in process. Then I started getting lack of payment bills. I did not receive anything in the mail talking about the forgiveness paperwork I filed. Offered me another forbearance. The next thing I receive is them demanding full payment ( XXXX ). They kept churning my student loan until I am back where I started ten years ago. Now I am in a rehabilitation program it will be 9 months in XXXX in good standing but they started in XXXX dinging by credit report when I was told that would not happen. Calling it a charge off and saying I'm delinquent. When I am complying with their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of America advertises very clearly : " 3 % cash back in the category of your choice : gas, ONLINE SHOPPING, dining, travel, drug stores, or home improvement/furnishings '' For the past 2 years I have been using my BofA mastercard for doing online shopping believing that I was receiving the 3 % advertised cash back reward for my online purchases. 

According to the XXXX XXXX : online shopping ( noun ) : the action or activity of buying goods or services via the internet. 

This is pretty clear and obvious. However, BofA has a slew of exceptions as to what it considers " online shopping '' For example, I ordered a set of contact lenses online. Through an online merchant. I engaged in ONLINE SHOPPING. However, BofA essentially excludes anything remotely related to a medical purchase as being eligible for the online shopping reward despite the purchase obviously being an act of ONLINE SHOPPING ''. 

The rewards page gives example of merchants where the 3 % rewards bonus can apply. Such as XXXX, XXXX, XXXX, etc. This is also misleading to the customer as all those merchants have their own car each at 5 % cash back and FREE SHIPPING. Why would a consumer benefit in using the the BofA card when they receive a higher benefit from using the merchant card? 

Hiding these details and labeling this benefit as for ONLINE SHOPPING is deceptive, manipulative, and most likely illegal. This benefit should be called " online preferred merchant reward '' but of course that would not attract as many unknowing customers. 

As further proof see the comments on this site : https : XXXX # comments Over 200 comments of people trying to decipher what counts as " online shopping '' and what doesn't. This is intentionally misleading the consumer. This is in no way an " online shopping '' benefit. It's a preferred merchant benefit that's advertised in a way to mislead the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
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:
Please delete these unauthorized inquiries off my credit report. I dont understand how these got on my report. This is unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}

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 non-monetary relief
Consumer complaint received 2018-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2018 I found out that my Chase bank account ( opened in XXXX Florida ) balance information ( for several accounts ) was viewed by a Chase employee in a branch on XXXX XXXX XXXX on XX/XX/2018. This person had no reason to be in my account. I believe my account was viewed at the request of my ex sister in law who lives a few miles from the branch and used to work at Chase many years ago and most likely still has contacts there. I believe that the balance information was provided to my ex husband. Chase provided the name of the employee who viewed my account and started an internal investigation at my request. A few days later Chase let me know that they will be using internal resources to investigate but will not be providing me with any further information relative to my complaint. I asked what was being done about the breach to my privacy and my security and they kept telling me that they are investigating and that privacy laws preclude them from giving me further information. I'm not sure if any laws were broken but, instead of working with me to find out exactly what happened and  assuring me that my accounts are secure, Chase circled their wagons to protect themselves. I have been violated and the violation will likely result in my ex husband using the information provided to him in deciding how much support to provide to his children. Someone is, or multiple persons are, responsible for violating my security and privacy and I want to pursue whatever avenues are available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( XXXX, Transunion, XXXX ) since XXXX of this year 2018. On XX/XX/2018 I froze my lexis nexus yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. XXXX  has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX   XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , TRANSUNION , XXXX  3. RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS  SUPPOSEDLY CONFIRMED

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 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX account name XXXX XXXX and # 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 2 : IT ALSO STATES a consumer reporting agency can not furnish a account without my written instructions

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 2020-09-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XXXX/XXXX/2020 30 DAY DEMAND XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
After Hurricane Sally, I received several texts and instant messages on the USAA app regarding the bank offering assistance to its members impacted by Hurricane Sally.  For background, my house and neighborhood took a direct hit from the Hurricane ; I had spent over {$3000.00} out of pocket in additional clean-up expenses leading up to my request with USAA. Also, I have been a member of USAA for 27 years. When I contacted the bank about taking advantage of such assistance, the very assistance they solicited me to take advantage of, and even limited my reasonable request to only a two-week payment extension for my consumer loan, I was told that USAA was not offering any assistance. After I pointed out that I was contacted by the bank ; that they advertised the assistance ; they then came back and said that my zip code was not in the disaster area. After I responded that not only was my zip code in the disaster zone but I also had letters from FEMA and SBA as proof that I was officially declared within the disaster zone, they came back and said that USAA was not currently offering any assistance for Hurricane Sally victims. They sent me the attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I registered, couple years ago, to take some classes at XXXX College in XXXX ( Illinois ) and I should mysellf pay my tuitions of $ XXXX.Unfortunately, I did not take those classes. 

Later, I received a bill from the college and went to dispute with the college direction. I was told that I have to pay it accordingly to their policy. I asked to see the policy there was nothing backing their reason. 
On XX/XX/2016, a mail came from a collection agency in XXXX about this matter and wrote a dispute letter in between 30 days. I did ask again the policy backing the reason I have to pay the tuition for those classes. 
About 40 days after my letter disputing the debt, I received a mail from the agency said that they are still investing on it and they 'll be soon in touch with me. 
As of today, I have n't received the results of their investigations, the agency has already sent the report to XXXX and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Minto Financial dba Minto Money
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied through the app XXXX on the XXXX XXXX XXXX. I was only curious about it and provided my information. I was approved for a loan of {$500.00}. However, I did not formally accept the loan or sign any agreements. Despite this, they deposited the money into my account and have been charging me {$74.00} every 2 weeks for a total term of 12 months, totalling {$3500.00}, which is over 7 times the principle amount. I did not agree to the terms of the loan or sign any contract. You can see in the screenshot that the emails sent to sign these contracts is still unread. I am also unable to see any information on how much I have paid off of the loan on the website, only the payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-10-16
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THE LOAN SERVICING COMPANY OPENED AN ESCROW ACCOUNT WITH OUT ANY AUTHORIZATION, THEY STATE THAT THEY PAID THE PROPERTY TAXES AND THATS A LIE, THE XXXX XXXX XXXX TAX COLLECTOR SENT AS AN EMAIL LETTING US KNOW THAT THE TAXES ARE DUE. AND ONE OF THE LOAN SERVICING AGENTS NOTIFY ME THAT THE XXXX XXXX XXXX HAD RETRNED BOTH CHECKS BACK WITH OUT BEEN CASHED. AND THEY ARE STEAL TRYING TO FORCE US TO PAY ESCROW AND WERE NOT GOING TO DO SO.AND WILL LITIGATE THE MATTER FURTHER. AS THIS IS DONE IN BAD FAITH WITH INTENTION TO DEFAULT AND STEAL THE PROPERTY AS THE BANKS DID IN THE 2008 MELT DOWN. WHERE GOVERNMENT DID NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: JPMORGAN CHASE & CO.
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 belongs to someone else

Complaint:
There are two Chase accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: VA
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX : Virginia Zip : XXXX Email Address : XXXX 15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 

Under. 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which Violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

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