BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, haven't received a copy of my credit report for nearly a decade. XXXX provided XXXX & XXXX  online with no problem. Despite all the correct information including SS # and answers to questions, repeatedly refuses to provide online report and imposing very unreasonable burden of filing request by mail. Many others are also complaining about the unavailability of their Equifax reports online as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance. You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes. Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately. According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete. IMPORTANT : This credit collection is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) My FTC Report is attached the report number isXXXX I know your company needs some sort of verification to prove my identity. My information is clearly shown below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under 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 2021-09-16
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I am having a problem with Navient on all of my credit reports .They are purposefully double posting collection balances to harm my credit even further. Navient did not supply me or inform me with the proper options to defer my student loans until I was able to pay them. It is illegal for a creditor to post a collections account multiple times for me to inquire multiple negative score changes or impacting on my credit score negatively. I am requesting that Navient corrects this and delete all of the late payment history as they never gave me an option to manage this debt correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: JPMORGAN CHASE & CO.
State: WA
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:
XX/XX/XXXX - Chase approves me for {$95.00} annual fee World of XXXX personal card. 
XX/XX/XXXX - Chase approves me for {$150.00} annual fee Southwest Premier personal card. 
XX/XX/XXXX - Chase Approves me for {$95.00} annual fee Ink Preferred Card. 
XX/XX/XXXX - Chase shutdown all of my accounts, personal and business. 
Chase provides inconsistent reasoning, from " rewards abuse '' to " high spend on cards '' when calling. However, all actions were being performed within the allowances provided by Chase ( credit limit, credit limit transfers, approved cards by chase by fully legit means ). 

Chase refused to discuss the matter with me, left me stranded without any prior notice of concerns or attempt to appeal the manner, probably because i booked my entire overseas wedding with the Chase Sapphire Reserve and they didn't want to risk that insurance coverage. Chase also refused to refund the prorated annual fees. My XXXX Card and Southwest Card deserve prorated annual fees and Chase refuses to refund it. I had my Southwest card open for only ~3 months but Chase wants to keep a full 12 months worth annual fee. It seems intentional they bait, approve me into a card, then, without ever telling me before at any point, cancel and keep their annual fee from me, or that they had concern of my account activity, or wanted to try and work with me over a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Nelnet, Inc.
State: OH
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 paid my XX/XX/XXXX payment on XX/XX/XXXX, which was late ; since my due date is the XXXX. I noticed my student loan monthly payment went up to {$200.00} when Nelnet emailed me on XX/XX/XXXX. Also I made 3 payments in XX/XX/XXXX to make my account current. I called Nelnet 2 days later on XX/XX/XXXX twice to find the reason why my monthly payment increased. I don't remember the first reps name, but she told me the reason why my payments went up, is because I'm on the graduated payment plan and I've already made 24 monthly payments. That is a blatant lie, since my loan transferred to Nelnet in XX/XX/XXXX and I paid {$190.00} that month, which was my monthly payment I had at XXXX XXXX before Nelnet took my loan over. Nelnet in a letter I received said it would be ok to pay that same amount for first month and then I would have to pick a payment plan. I picked the graduated plan and for the first 24 months I would pay {$160.00}. So, I called back after doing some research to find out how many payments I made. I actually only made 16 payments up til that point, so I should technically have 8 more months, now 7, to go before my payments go up. I called Nelnet back the same day and spoke to XXXX ; I explained the reason for my call and what the first rep said. After a couple minutes of XXXX reviewing my account, she said the reason my payment increased, was because interest had recalculated when I get off the auto debit program, which makes no sense either and I even stated that on the phone before the call ended. That answer isn't legit either. I was on the auto pay at the end of XX/XX/XXXX for a couple months and when I got off of the auto pay program my payments never went up, because of the interest recalculating. So, at that point I emailed Nelnet to see If I could get a correct answer, since obviously the reps that are working at Nelnet have no idea what they are doing and talking about. Nelnet emailed me back a few days later and said in the email to call them. I called Nelnet on XX/XX/XXXX and the rep said that when my loan came over Nelnet ; Nelnet didn't have the right terms for the payments, so when Nelnet found out, the terms were corrected. I a lot of things are wrong with this : First off, the first 2 of the reps lied, which I'm pretty sure is a violation of the FDCPA. Second it shouldn't have taken 3 calls to get the correct answer. Third I shouldn't have to bite the bullet per se, because Nelnet couldn't do their job before they took complete ownership of my student loan in the first place. Lastly a flag should have been seen by Nelnets system between the {$190.00} payment and the {$160.00} payment. So, I applied for an income driven payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a total of {$2300.00} to a business named XXXX XXXX XXXX via XXXX ( XX/XX/XXXX {$950.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$400.00} ) to receive a business loan, however I was scammed and never received the money. I also would like to point out that I went into a Chase branch and showed them Chase documents that the scammer sent to me regarding the wire transfer, and was told by the banker that the documents were indeed legitimate. After trusting the banker I felt comfortable sending the funds, believing this was a trustworthy transaction. I tried contacting Chase to see if they could reverse or refund the charges, however they only pointed to the terms and conditions of XXXX and said it was non-refundable. They did not try to help at all in retrieving the money or finding a way to dispute the scam. I was told that it only should be used with small amounts and to family, friends, etc. XXXX nor Chase bank makes this information easily accessible and in the end the only person that loses out is the customer/victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX placed a note on my TransUnion credit report on XX/XX/2022 stating that an account was opened XX/XX/2022, that there is an open balance of {$880.00}, and that it has been placed for collections. The original creditor is stated as being XXXX XXXX. This is not my debt. It is not listed on any other credit report and I have no idea what it is referring to. I did not enter into any new credit agreements or services in XX/XX/2022. Due to security breaches in the past, I am alerted to whenever a new report appears on my credit. As soon as I was notified of this false report, I initiated an online dispute per TransUnion instructions. TransUnion failed to properly investigate this debt and simply sent me an emailed report finding the debt valid. I am unable to contest the debt with the creditor, myself, as there is not enough information for me to find them. I have attached a screenshot of the report, which is my only documentation. Again, this is not my debt. 

I have also done some online research, and XXXX XXXX XXXX seems to have a pattern of putting fraudulent reports on people 's credit reports and when people are desperate to buy a house or car, they squeeze the people to pay the debt even though it is not theirs. This is definitely not my debt. XXXX XXXX XXXX should also be investigated. However, TransUnion should know that a report by this company is not valid.

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 2021-06-23
Company: FISERV INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Receive a notice of unpaid electronic fund transfer from Trs recovery services They are charging me {$50.00} for each notice Which Ive never ever seen this in my life or heard of telecheck services They wrote The above electronic fund transfer was returned by your financial institution unpaid. Telecheck services ( telecheck ) now owns this dishonored eft and has placed the debt with Trs recovery services ( Trs ) for collection .telecheck has also entered information regarding this debt into its nationwide database, as a result until this item is resolved I literally dont understand what they are talking about and I may need help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have filed a dispute with Equifax saying my account with XXXX has been paid in full. They refuse to change this status on their account even though the loan was paid off almost two months ago ( XX/XX/XXXX ). I have attached the letter from XXXX saying the account has been paid in full and when it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a second related filing to XXXX, in which I listed XXXX XXXX XXXX as the involved bank. 

This complaint is about TD Bank 's role in the same matter, and the requests I have of TD Bank. 

1. On Monday, XX/XX/2019, I received a check from XXXX XXXX XXXX in the amount of XXXX dollars, representing a refund check for student financial aid due unto me. The check was drawn on TD Bank. 2. I deposited the check to my personal checking account at XXXX XXXX XXXX, using the mobile app. 3. The app stated that there would be a standard hold, and that the funds would be available the following morning. 4. Looking later online, there was contradictory information stating that the hold would be until Wednesday, XX/XX/XXXX, at XXXX XXXX. - yesterday. 5. The funds were made available at around XXXX XXXX. 6. I paid several bills at that time, and scheduled several additional bill payments to post to the account. 7. At around XXXX XXXX. yesterday, I became aware that the funds had been debited off of my account, leaving my account with a negative balance of apx. seven hundred dollars. 8. I called XXXX. The agent, and a supervisor ( XXXX - ID # XXXX ), stated the funds were being returned, but that the reason why would not be available until the following morning, and that I could call at XXXX XXXX. 9. I called at XXXX XXXX. but the line for agents was not open. 10. At XXXX XXXX., I spoke with XXXX ( ID XXXX ) and a supervisor ( XXXX ) who stated that a " stop payment '' had been placed on the check by TD Bank on behalf of XXXX XXXX XXXX. 11. I then called a TD Bank branch, XXXX XXXX, Vermont, branch, and spoke with XXXX. XXXX stated that there was no stop payment for that check or for that amount. 12. It is troubling that XXXX says there was a stop payment, but TD Bank says there wasn't a stop payment. 13. I left an urgent voicemail for XXXX XXXX at XXXX XXXX XXXX corporate office, but have not received a reply as of this time. 14. XXXX XXXX XXXX sent me replacement funds via wire transfer at around XXXX XXXX. today. 15. XXXX XXXX, TD Bank branch manager,  called me later in the afternoon. She said she could not provide any information about the check, including whether it had even been rejected by TD Bank or whether there was a stop payment. 16. Consumers who receive bad checks, or allegedly bad checks, should have some rights to find out what is really going on. I should not be told contradictory things by two different banks and then the second bank refuses to talk about it. I should have some rights to information, and there should be a process to provide consumers with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
CFPB reference number XXXX Have no option to use Chase Bank XXXX XXXX pay account USA Treasury pay.gov Company ID XXXX XXXX & XXXX Number JP Morgan Chase International Agencies Banking Account Number XXXX XXXX on Hold XXXX XXXX XXXX XXXX on hold XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: BB&T CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was given a fake check which I didnt know was fake when it was submitted to me I deposited it into my account I was told to send money to another state which at the time was one of those forgein scams my account then went into the negatives and I was forced to try to get my money back on my own. I originally answered an ad for a XXXX XXXX on XXXX and was targeted by a scammer and now Im out of XXXX. The fake check I was submitted was for XXXX which bounced my account when I sent XXXX dollars to Texas I contacted my bank for assistance on getting my money and they wont help me the cops wont file a report and Im out of money bills to pay and I work hard for my money I dont appreciate it being stolen Ill know better next time please assist me in getting my money back.

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 2019-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had this account opened since XX/XX/XXXX and have had perfect paying history on this account. I applied to refinance my mortgage and was not approved for a favorable rate because it is reporting in XX/XX/XXXX that I was 30 days past due on my Capital One Credit Card Account on my credit reports with XXXX, XXXX and XXXX. I remember in the month of XX/XX/XXXX I logged into make a payment from the Capital One website and the site was down and was not able to make a payment. I logged into my XXXX bank account and set up a payment in the amount of {$300.00} from my online bill payment system. I noticed a few weeks later that the payment never posted to my capital one account. I immediately contacted Capital one and made them aware of this issue and we scheduled a payment over the phone. I ended up contacting XXXX and they informed me that the payment was sent electronically to Capital one and they gave me the ID transaction number XXXX. I informed them that Capital one never posted this payment to my account and that Capital one stated it was not received. The representative said that the only way for me to get the funds back is to file a dispute for the {$300.00} that was sent to capital one which I did receive the {$300.00} back about a week later. However my credit score has suffered from this issue caused by the Capital One. I did send the funds and I do have records of making the payment but they just never posted it to my account. I am requesting that Capital one removes the 30 day late payment from reporting to XXXX, XXXX, XXXX, and any other major credit reporting company they report to because this was indeed a BANK ERROR. My credit should not suffer because of a bank error and this is totally unfair to me because now I can not save money by refinancing on the high interest rate I am paying for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have an account with Gemini. I was trying to send over funds and the service froze. After trying to send more funds to another account the server was overfilled. I froze my account and now want to unfreeze it to use my funds. I can not get into contact with the support team and need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I need from Navient, my federal loan provider, information about the first payment plans I enrolled in right out of college. 

I have called twice ( XXXX XXXX, 2019 ) and this past week ( XXXX XXXX, 2019 ) and both times Navient told me they would sent a letter detailing all of the payment plans I have for my federal student loans for the past 10 years, especially the first few years. 

I have yet to receive this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express offers a XXXX XXXX Credit Card which I have had for about 8 years. If the card holder has {$30000.00} or more in spend a year XXXX XXXX 's are posted to the cardholder 's Delta Skymiles account. So far this year ( XXXX ) I have over {$37000.00} in spend on my XXXX  XXXX card, yet Amex and XXXX  only show around {$23000.00} in spend. The reason is a company ( XXXX XXXX ) charged my account around {$14000.00} in error in late XXXX. The charges were backed out by XXXX XXXX in XX/XX/XXXX. As a result, Amex only shows {$23000.00} in spend for XXXX. Obviously, at least to me, reducing my credited spend for transactions that were made to my account without my authorization and were removed is unfair to say the least. On XX/XX/XXXX, I contacted Amex through their online chat and after 15 or so minutes was told this was XXXX  's error not Amex. I knew that was not the case so I called Amex 's 1-800 number that same day. The customer service rep told me that was not the case and he would open a dispute for me explaining the problem and I should receive an answer in 48 hours. I have checked daily and there is no open dispute on the Amex website and Amex has not contacted me. I guess they hope I will give up. I would prefer Amex to handle this but apparently their customer no service will not help me get his corrected. Maybe you can.

Company response to consumer: Closed with explanation