BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XX/XX/2019 I contacted XXXX  XXXX for an extension on my payment on my account answer be placed in my payment protection plan that I paid for every month with the company the payment protection plan covers you in case of XXXX  deaths family emergencies loss of job loss of income etc. I am formed XXXX XXXX   that I needed to be a part of the program and to activate it my subscription that I paid for every month to get coverage for my payments because I was out of work due to having a XXXX And losing my XXXX the representative told me that my payment will be all set and I didn't have to worry about any payments in late fees or negative remarks on my credit report. However XXXX XXXX is reporting that I am 30 days late on my credit report even after sending them all the proof that I have lost my baby see attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: NC
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:
Beginning in 2017 I've disputed the student loans reported on my credit profiles by XXXX, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: Red Cedar Services, Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 XXXX CST *****Ive never done business with this company ****** If you are unable to see the message below, click here to view. 

XXXX XXXX XXXX XXXX, Our records indicate that you have an outstanding balance on your account. XXXX is willing to accept less than the full balance by offering you a settlement. At this time we are able to offer you a 40 % discount on your balance. Please contact a representative at XXXX to take advantage of this opportunity. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 


Sincerely, Customer Service XXXX XXXX XXXX XXXX XXXX OK XXXX You are receiving this message because you have an open account with XXXX. You previously agreed to receive messages from XXXX related to your balance, payments due or made on your account, and actions you may make on your account. XXXX your privacy seriously and does not tolerate spam. You can view our privacy policy here, To report a suspicious e-mail, please contact us at XXXX or call us at XXXX. 

XXXX is a tribal lending enterprise and governmental instrumentality wholly owned by the XXXX XXXX XXXX XXXX, a federally recognized XXXX tribe. XXXX is regulated by the XXXX XXXX XXXX XXXX and licensed soley under the laws of the XXXX XXXXXXXX XXXX XXXX. XXXX is not licensed in any state. Your loan application and agreement were deemed received and accepted, and all aspects of the loan approval process deemed completed, at the offices of XXXX located on the tribal trust lands within the sovereign jurisdiction of the XXXX XXXXXXXX XXXX XXXX. 

If you have any questions, please visit our website at XXXX or call us at XXXX XXXX. Our mailing address is XXXX XXXX  XXXX, XXXX, OK XXXX. 

Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to whom it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a dispute with Chase on XX/XX/XXXX due to issues with a merchant. {$1700.00} was returned. The funds were used the same day to purchase alternate air tickets so I would not overstay a visa or be stranded overseas. Chase did not contact me in any way then in mid XXXX took the funds back and said I did not contact them. My call, text, email, and voicemail had no messages from Chase. They reopened the claim and refunded the money. On XX/XX/XXXX I got a call from someone in the executive office saying they had a final resolution. I called back as soon as I could and had to leave a message as they were not there. I never heard back from them and the funds were removed again in XX/XX/XXXX. On XX/XX/XXXX I got a call from the Chase claim department as apparently the case was back with them. I returned the call and was asked what the funds were used for and was told they had been unable to contact me. I reported the funds were used for the alternate travel tickets and told them which transactions were for the tickets. I got a call on XX/XX/XXXX from Chase. I returned the call and was notified they were unable to contact me and asked what the dates for the initial travel was and the days I filed the dispute and tried to deal with the company. I provided the dates and notified the person that I had been called and returned the call and gave them the questions asked. They looked at the notes and apologized and said they would add a note that I had actually been contacted. On XX/XX/XXXX I received a call from Chase. I called back on XX/XX/XXXX due to a busy schedule at that time. I was informed Chase had been unable to contact me and thus they were taking the money and was asked for further information. I provided the information and told them again that they had called me and I had called back, and again the person said they were sorry, they had been able to contact me and there was a mistake. I told them the dates and questions and my request to both prior people that they mark that they had been able to call me. I hear nothing back from Chase until XX/XX/XXXX, at which point collections calls. I called back on XX/XX/XXXX and they said they were seeking the overdraft. i told them the overdraft was their fault and was transferred to claims. I told the claims person I was getting the runaround from Chase and that their people were being either dishonest or not doing their job and that it was negatively impacting me. They told me that nobody had called me back previously about any resolution and that they only send emails ( they have never sent me an email related to the case ) and that it was out of their hands and they would do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: AES/PHEAA
State: TX
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:
For approximately one year, I have been trying to certify employment with XXXX XXXX to track payments for the public service loan forgiveness program. Every time I sent in forms, their customer service would tell me either the form was never received or one of their employees entered the information incorrectly, or there was a miscalculation with the number of qualifying payments. Each time they told me they would fix it and contact me and each time I am never contacted. Every time I call in, there is a new problem. They are intentionally stringing me along to prevent me from qualifying for loan forgiveness. I have all the documentation to prove my efforts for approximately one year and they still have not accurately tracked my eligible payments. I have only worked in public service, so all payments should qualify. They are giving me approximately two years of payments yet I have been working in public service for almost 7 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX card - reporting late on 3 credit reports XX/XX/2019 by 30 days. account number XXXX account has never been late

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 2020-07-08
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted ARS and spoke with their representative XXXX XXXX on XX/XX/2020. XXXX agreed to accept {$200.00} as a payment in full in exchange to delete all trade lines from my credit report. Payment was made at the time of the call, and the phone call was recorded by ARS and myself. As of today, the account shows the payment, a remaining balance, and has not been 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 explanation
Consumer complaint received 2017-08-01
Company: Nelnet, Inc.
State: NC
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:
Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
They let people go in my account without asking me they charge me all overdraft fees all the time..

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 2021-02-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been a member of Navy Federal Credit Union for over a decade. I have had checking, savings, CDs, vehicle loans, and in XXXX we took out a mortgage with them. In XXXX I applied to refinance our VA Home Loan in XXXX. I submitted all the paperwork which had no " select what product you are applying for '' and it got routed to be refinanced as a non-VA loan, which wouldn't have saved me anything. I found this out when talking to the processor, who then told me I had to re-apply. I did in mid XX/XX/XXXX and since that point, I have not spoken with a single person who is working on my loan. I was assigned a processor shortly after submitting, but she has not responded to multiple phone calls, voicemails, & emails. I did speak with an individual at the XXXX number, but since that person was not working on my loan, they said they would send a message to my processor, and that person would be in contact with me within XXXX business days. Never heard a thing. I received a call from a customer service rep on XX/XX/XXXX asking how it was going, I expressed my frustration and explained the situation. They asked if I wanted to escalate my issue, I said yes. I finally got a phone call from a loan officer the next day. Only problem was, they called my cell while I was at work ( not available to me ), I got a voicemail so I called back and left a voicemail with my work number, and called back the next few days trying to reach her again. Never got another response. Now Mid-XXXX I became frustrated with still no information or a single attempt to speak with me about my application, I took to NFCU 's " secure messaging '' feature of their app. I left a message on XX/XX/XXXX, explaining the lack of information and desire from my side to speak with someone. The app has a notification that you message was sent, please allow the team members 2 business days to respond. I waited, and of course nothing other than a canned message on the XXXX " Thank you for your eMessage, your correspondence has been forwarded to appropriate parties to provide a response. Thank you for being a values Navy Federal member, have a great day ''. On XX/XX/XXXX, I sent another message via the messenger. At this point I will be making my 5th mortgage payment at my old rate, costing me hundreds more in interest. NFCU has a financial gain in neglecting the processing of my application, and is in my opinion using unethical banking practices to pocket a few extra bucks, or at the very least has incompetent individuals working in their mortgage department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, 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:
their customer service would not help and take care of the negative inquiries reporting to my credit report. 


Below I Listed the inquiries that I desired to be deleted from my credit report. I never signed or agreed for them to view my credit report neither did I have a credit account with them.

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 2020-10-15
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a letter from a company saying they would help me in my lawsuit. I immediately thought, what lawsuit? I then went onto XXXX, searched my name, and found that I am being sued by a company I've never heard of nor heard from. I googled, tried to call the company and left a voicemail and submitted an e-mail to them online saying I'd never heard of them how could they be suing me. I also sent this same information to the lawyer representing them. I told both parties that I am more than happy to pay my debt, which I had been trying to find to no success, but these people had NEVER tried to contact me. They had received the account back in XXXX of XXXX and then apparently just sat on it. Not once did they mail me, call me, or anything. Obviously they had my information as it was all nice and done in the lawsuit against me. How can someone just sue me without trying at all to collect? They claimed they had XXXX XXXX XXXX down as representing me but I do not work with them and have not worked with them. So this company erroneously thinks I'm working with someone I'm not and when they shockingly don't hear back from that company that I'm not working with they sue me??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to order cell phones and the order keeps declining because of Equifax, and for sure the cell phone company cant give me any reason but is rfering me to equifax only. 

I called Equifax several time to find out what was the issue, obviously some date mixup on their end for my date of birth. As they explained me on the phone two weks ago, Isend Social Security card and Drivers license to them per fax to get that fixed. I called today and they are telling me now again to do so, even they received it ( but cant tell me whats wrong -> the system says ... blablabla ). 

This doesnt make sense and I dont come forward, still cant order the phones despite excellent credit score, they can not tell me what to do and I am stuck -> horrible company with horrible customer service, very different statements depending on whom you speak with and the so called " supervisors '' seems to help even less than other " normal '' employees. 

I would in insist in my right to know whats going on with my credit report, especially if they put it locked without my knowledge ( as it seems )!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: CORELOGIC INC
State: NJ
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:
There are two issues regarding credit report inquiries creating " hard inquiries '' on my credit report from XXXX, XXXX and XXXX.

1. XXXX : I did not request or authorize this company to acquire or may an inquiry on my credit report. At time of inquiry already had an account with XXXX and was discussing options to adjust account features. At no time did i give authorization to run a report. 

2. Multiple inquires within 30days of applying for mortgage loan.

I applied for a Mortgage loan in XX/XX/XXXX with mortgage broker. The loan was shopped around with several lenders checking credit report. 
XXXX, XXXX, PA XXXX on XX/XX/2018 and XXXX XXXX, XXXX, IL XXXX on XX/XX/2018 Then. 
XXXX XXXX, XXXX XXXX XX/XX/2018 Credco, XXXX XXXX XXXX XXXX XX/XX/2018 This created 5 Hard Inquiries on report which remains on report to date. XXXX   shouldnt be on report at all. The other four should have incurred only 2 at best. 

I've tried to dispute these Hard Inquires with two of the three leading credit reporting services to no avail. 


Your assist in this matter is greatly appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Principal XXXX XXXX for Advanced Collection Bureau , Inc. with a letter dated XX/XX/2020. Multiple times Advanced Collection Bureau , Inc. failed to respond to me directly the consumer and failed to fully verify and/or validate the alleged debt. All three credit Bureaus allege it has been verified with no full complete verification of it. Advanced Collection Bureau, XXXX XXXX XXXX amd XXXX XXXX have been acting in fraud in dishonor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: EQUIFAX, INC.
State: AR
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 WANT ALL 4 CREDIT BUREAUS TO LISTEN TO ME REGARDING ALL SECURITY ALERTS AND CONSUMER STMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENTITY THEFT. I HAD NO IDEA SOMEONE WAS OPENING THESE FRAUD ACOUNTS IN MY NAME. THERE ARE ASLO SOME INQUIRIES FOR THINGS I HAVE NEVER APPLIED FOR. PLEASE TAKE IT OFF. SEND ME AN UPDATED COPY OF MY 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 2020-01-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX. I AM A MORTGAGOR OF A LOAN THAT SELECT PORFOLIO SERVICING IS THE SERVICER FOR THE INVESTOR OF MY LOAN. THE LOAN IS CURRENTLY BEING SERVICED BY SELECT PORTFOLIO SERVICING ( SPS ) PROPERTY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, GA XXXX. LOAN NO : XXXX. 

I HAVE BEEN ATTEMPTING TO DO A SHORT SALE WITH THE SERVICER SPS. 
SPS IS TELLING ME THE INVESTOR ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX XXXX ) DOES NOT WANT ME TO DO A SHORT SALE. I SHOULD BE ELIGIBLE TO DO A SHORT SALE. I AM REQUESTING THAT THE INVESTOR CONSIDER DOING A SHORT SALE ON THIS LOAN/PROPERTY. THE PROPERTY IS NOT WORTH WHAT IS OWED ON THE LOAN. WE HAVE AN OFFER FOR $ XXXX WHICH IS WHAT THE PROPERTY IS WORTH ACCORDING TO COMPARABLE SALES AND THE CONDITION OF THE PROPERTY. ATTACHED IS A COPY OF THE CURRENT OFFER ON THE PROPERTY AND A HUD-1 SETTLEMENT STATEMENT SHOWING THE NET AMOUNT TO THE INVESTOR/SERVICER. PLEASE CONSIDER DOING A SHORT SALE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation