BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-11
Company: Credit Adjustments Inc
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
the company name is Credit Adjustments inc, I have been making adjustment plans to make payments, I have send the papers they asked me, but I have told them in many ocations not to call me during working hours and they seem to ignore that petition. I work in an environment where I have people in my office all the time and I cant be on the phone, plus eveytime they call me they have me on the phone for like 45 to an hour and I cant do that in my job I have asked them to call me efter XXXX o XXXX XXXX sometimes they do some times they DONT and Im tired I have send them every thing they asked for, but they still dont stop calling me, they are affecting me in my job and my peace of mind, stopping me from doing my job they way I have to.

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 2019-03-11
Company: Unifin Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just received a notice for a debt collection for credit card for XXXX XXXX, formerly XXXX ( per company rep ) for {$3300.00}. When I called the company about the notice, I was told the account was opened on XX/XX/XXXX and the last payment was made on XX/XX/XXXX. 

I checked my credit reports and this account has never been reported or have I received notice. In addition, this " account '' is over XXXX years old. Per California law, the statue of limitations is 4 years. This exceeds the statue of limitations and is not collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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:
Experian 's investigation did not fix an error on my report. This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

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 2020-01-22
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
How I am being treated is not fair early XXXX I put in a dispute because there was a large pending charge on my account I question they canceled out my card and sent me a new one from my understanding it was being investigated today I received a email that my account was being suspended and closed because my dispute also a family member over heard me that lives in my household upset and admitted and apologized for using my card I told the card company what happened they lady said she will note the closed account she was very rude I called back numerous amount of time because customer service kept hanging up on me to explain the circumstances also wrote a letter to them they closed and locked my account with funds inside I have a XXXX I take medication that prevent me from having XXXX today tomorrow I am due for my medicine I have no way of getting treatment I have a XXXX XXXX XXXX to take care of without getting my medication I can have a XXXX anytime now I also explained to them my XXXX check was supposed to be deposited this week and will not be able to access funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}

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 2022-07-13
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:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my husband ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

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 2023-03-17
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had {$800.00} withdrawn from my savings account and have not been able to recover my money. Chase had reversed the funds than withdrew them after they denied the claim. The transaction was made physically at a Chase branch location in the city of XXXX XXXX. There were 2 prior withdrawals made from the same location from my savings those 2 separate transactions were for {$1000.00} and {$750.00}. Chase reversed those transactions which were made in the same fraudulent manner. I have exhausted many hours calling them to try and resolve this issue. They requested documents from my employer regarding my work schedule to prove that I was at home working remotely when this transaction was done. I tried filing a police report and was told that there was nothing that they could do since it had to be filed by Chase. I've requested from Chase to review the ATM camera footage so they can see it is not me that made any of these transactions, to which I've been told they can't unless they get a subpoena request. I was told by the claims department that there are con artist dedicated to making copies of the ATM cards and since I had not changed my pin when i was issued a new card that's how they were able to do it. I was issued a card and I went in to a physical branch to have my pin changed. I have spoken to numerous Supervisors at the Claims department to be told that I need to take this outside of Chase to try and pursue getting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Diversified Consultants, 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: Old information reappears or never goes away

Complaint:
Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my equifax and XXXX  report theirs is one negative item that's 90 days late last four of account XXXX this item supposed to be removed from my XXXX credit report and equifax my social security number is XXXX theirs a federal trade commission identity theft report on file please have experian remove the account and equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XX/XX/2023 XXXX XXXX XXXX XXXX and XXXX Was Withdrew From My Account, I Immediately Called Chime Bank When I Noticed the Unathorized Account I Was Told Id Be Eligible for a Temp Credit for the Amount I Have Been Denied wothout Proof of Thorough Investigation 3 times I Have a Lawyer Reach out to Them and They Still Refuse to Give me My Money Which is Said to Be FDIC Insured

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-03
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I'm writing to dispute the unauthorized rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is considered determine to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: AES/PHEAA
State: MD
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:
On XX/XX/XXXX, I created my account with XXXX   Servicing, and I uploaded all of my Employment Certification forms for the Public Service Student Loan Forgiveness program. I received notice that all of my forms were received on XX/XX/XXXX. I called the customer support line shortly after my account was set up to check in that all of my Employment Certification forms  were correctly received and to see how long the review normally takes. At first, I was told it may be 6 months, but no communication was sent to me telling me that the review of my student loans was in process or any timeline for how long I can typically expect to wait. I called again in XXXX of XXXX to see if the review was starting and if I would see an update on my qualifying payments anytime soon. I wasn't told anything specific, just that the review hadn't started and that I would get some kind of written communication if anything else was required. I called again in XX/XX/XXXX, and again, I was told to call back in 30 days to see if the review had started. I called again in XX/XX/XXXX and was told that nowhere was there any written guideline of how long the review takes. I was told it could take up to a year, but that there was no timeline. I asked to have my case escalated, because I thought this was pretty poor customer service, but I suspect I was then just put back into holding queue because the person I spoke to next was another customer service rep who told me there was no timeline for their review. 

I believe XXXX servicing should be more transparent with their process and where loan forgiveness applicants are in the process. These are not petty annoyances that I'm not getting answers about. Whether I get this loan forgiveness determines if I can afford to buy a house in three years. It determines whether I look for another job outside of the non-profit sector in a year. Whether I get loan forgiveness also determines my personal professional development budget, how much I can afford to save for my wedding, and what kind of career opportunities I will entertain because I have to stay in the non-profit sector. Conversely, if I'm denied PSLF, I need to know now if I should pursue a different career and how I need to alter my budgets/plans and take on additional jobs so that I can continue building towards my financial goals. 

What I've witnessed in XXXX Servicing customer service is a lack of any clarity in policies and procedures, which cascades to uncertainty about my participation in the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Volvo Car Financial Services U.S., LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Volvo Financial Services had sent an End of Lease invoice to me. I received this invoice but was very limited in methods of payment. I logged on to my Volvo online account and the account had been removed from my profile because the lease had ended. Their automated system allowed a look up by social security number. When I entered my social security number, once again nothing was found. This was due to the account being closed due to end of lease? How can an institution invoice you a final bill for wear and tear, yet remove all online forms of payment available to you? Due to XXXX and my own XXXX, I couldn't go to the post office. Additionally, I don't have checks for my account as they cost too much. Its 2021 and super frustrating that Volvo charged this account off. Mind you, I also called and every time I tried to pay the invoice over the phone during Covid there was over a 2 hour wait on the phone. In fact, when I got notice of the charge off I ended up paying right away over the phone. It took me 90 minutes of hold time. I missed to mandatory meetings at work and had to be XXXX for it. This is not something that should result in a charge off. Volvo should take responsibility for removing my ability to pay my invoice online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Paramount GR Holdings, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a solar panel system installed, the finance company. whose name is goodleap, has been withdrawing funds from my account, to make payments on the solar system, which has not been completed, and is not a working system, several attempts to have them correct the problem of withdrawing funds from my account for a none working, uncompleted hook up system. has not been rectified by goodleap to return those fund or correct the installation problem to a working system have all failed, what do i do about this.can you help?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Charging a fee for paper statements and very high fees for maintenance in an effort to force me into an on-line account sign up. Unable to close this account Citizens purchased from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have to re-certify my Income-Based Repayment ( IBR ) plan each year. My monthly payments because of this plan are around $ XXXX/month. In XXXX of this year ( XX/XX/2019 ) I had to re-certify again, like I do each year. Last year my household income decreased from previous years. Well, my student loan payment has now tripled to over $ XXXX/month from last year. Why? I have no idea. If you compare my tax returns, which I submit each year, you'll see the decrease.

Company response to consumer: Closed with explanation