BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are still reporting inaccurate after their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I placed an online order ( # XXXX ) with XXXX XXXX XXXX XXXX in the amount of {$900.00} and charged it to my Chase Bank Sapphire card ending in XXXX. Within in minutes, after placing the order, I changed my mind and was given the option by XXXX XXXX online platform to cancel the order. I received a response that my confirmation for the cancellation would be emailed shortly. The case # XXXX was provided as a reference. Instead of actually canceling the order, XXXX shipped the merchandise via XXXX  tracking # XXXX. I followed up with XXXX  on XX/XX/XXXX via phone regarding the transactions and advised them of the reference number I received regarding the cancellation. I was told by a XXXX  representative that the order was not visible in their system but later on XX/XX/XXXX I received at shipping confirmation that they went ahead and shipped the order. I contacted XXXX  on XX/XX/XXXX and advised them that I refuse the delivery. XXXX  provided me with return # XXXX confirming the refusal. and they would indeed return the goods to XXXX. The goods never left the state of Illinois for Texas, where I live, from the XXXX facility. On XX/XX/XXXX I contacted Chase Bank, my credit card company, to file a dispute for the transaction via the mobile app and the charge was temporarily removed. After weeks, the charge reappeared on my account and I have been billed by XXXX XXXX XXXX XXXX for merchandise I cancelled and never received in the amount of {$900.00}. This charge is in error and must be removed as no goods were ever received. I've contacted XXXX XXXX and they stated that my Chase account was credited with a refund on XX/XX/XXXX. Chase says that they never received a charge back from XXXX XXXX XXXX XXXX. XXXX XXXX has provided me with a Payment ID # XXXX. Chase has been very uncooperative. They dropped the ball from the beginning of the dispute. XXXX XXXX sent them a copy of the XXXX  XXXX tracking and it shows that the bike that I ordered never left XXXX, Illinois where it was shipped from, because I contacted XXXX XXXX and instructed them to return the bike to XXXX XXXX. Chase still expects me to pay them for this charge, even though I have provided them with the proper documentation. Both companies have been very dismissive, however XXXX XXXX has provided me with documentation to substantiate their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please accept this as a Qualified Written Request for ; 1 ) An  unredacted copy of the letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/XXXX, for Property Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please, also pursuant to ... '' written request you are entitled to the following information : '' " Copy of the signed Note ''. Please accept this as a Qualified Written Request for a ; " Copy of the signed Note ''. For clarity, I am in possession of a copy of the XX/XX/XXXX " Promissory Note '', however, I have not been provided a copy of the " Note '' as referenced to in the XX/XX/XXXX letter defined above. 

Thank you - 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 explanation
Consumer complaint received 2020-05-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan was initiated with Navient XX/XX/2006in the amount of {$25000.00}. I have been paying on this loan since that time and my principal balance is {$16000.00}. I have been told that I have paid {$17000.00} in interest and interest paid in 2019 was a little over {$1000.00}. Based on my payments and interest rate of 6.125 that calculates out to almost 50 % interest. Navient will not provide a full summary of my account showing payment made, interest charged and principal applied. I have further been advised that it will take me an additional eight years to pay off the remaining {$16000.00}. I applied for an income driven programAnd not only was I denied but my payment amount was increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX is reporting my account late for payments in 2019. I have not been late on my car loan in 2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where XXXX got double payments because I thought the info was incorrect and resubmitted because they stalled on debiting the payment. XXXX XXXX needs to update my credit report immediately. I am not late for XXXX   because it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.

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 2019-06-06
Company: General Motors Financial Company, 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 information incorrect

Complaint:
GM Financial is reporting my account late for payments in XX/XX/2019. I have not been late on my car loan in XX/XX/2019. There was one incident where I had a typo on the information on their website and I called them to correct it and no one was able the verify the inputted data so I reentered it. There has been times in the past where GM got double payments because I thought the info was incorrect and  resubmitted because they stalled on debiting the payment. GM Financial needs to update my credit report immediately. I am not late for XX/XX/XXXX because it has not been 30 days past XX/XX/XXXX which is my payment due date which is current. I paid them for XX/XX/XXXX. I want my account information updated with all the credit reporting agencies immediately. It is a huge disservice to me as their customer to have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a claim ( claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service ( XXXX XXXX XXXX ) that was cancelled because of not having a valid ID. 

I paid {$2500.00} plus a {$16.00} service fee to XXXX, and received no service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Netspend Corporation
State: WI
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:
My XXXX year old son received a physical prepaid card with his name on it unsolicited through a third party from NetSpend. The card could have been stolen through the mail and activated by someone else. Why would a company be able to provide a debit card to someone without them requesting it. The telephone system is very shady and difficult to get to speak with a live agent, who then tells you that they don't have any information supposedly ...

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 2021-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XXXX of 2020 I signed up for Experian CreditWorks Premium product to improve my credit score as I was trying to refinance my house.

I have been following Experian 's guidelines and filled in Experian Boost details to improve my credit scores to " Good '' range, which is defined as 670 - 739 range. 
On XX/XX/XXXX Experian reported to me that my credit score is over 700 ( Good range ) and I applied for refinance loan, however my application was denied, the loan issuer said that my credit score was too low, below 700 ( they would not provide exact details ) I demand return of my membership fee since Experian lied to me and reported different score to vendor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
Company: Law Offices of Timothy M. Sullivan
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified on XX/XX/2021 by company HS FINANCIAL GROUP , LLC proclaiming to attempt a debt collection for an amount of {$3400.00}. The notification reveals that the collection was being done on behalf of a separate entity identified as XXXX XXXX XXXX, XXXX. I would like to report these collection efforts as both fraudulent and unethical. There was notification sent to HS FINANCIAL GROUP , LLC back on XX/XX/2021 requesting validation for the said amount owed. Proper response was not given and I feel that my personal information/identity as at breach.

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 2020-05-29
Company: EQUIFAX, INC.
State: IL
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:
This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
TransUnion dismissed my evidence because of their criteria. I disagree that an email from XXXX XXXX stating that " my autopay was in place at the time the payment '' was due is insufficient. My evidence shows that XXXX is at fault. XXXX XXXX can easily say that the " disputed information was correct '' and not take responsibility, so TransUnion should factor in the correspondence I provided. If it does not meet TransUnion 's criteria, should adjust there criteria as it is valid. 

I have contacted XXXX XXXX several times about the problem, but they have not responded. I have initiated a complaint with the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX. - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXX-LISTED PAID ON BANK STATEMENT TO PXXXX XXXX XXXX XXXX PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio 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 explanation
Consumer complaint received 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, XXXX, nor Transunion has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: CA
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:
I am a XXXX XXXX and notified of the data breech so i checked my report and i found several hard inquiries to things I never applied for. I also saw a XXXX bank account in Texas that is not mine but has been opened since 2019! That is not me, please help!

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 2020-11-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loan is years old, i have been making payments on auto draft yet my loan servicer does not have information on their accounting system that reflects auto pay. However, even with auto pay, I am being charged late fees of close to XXXX  dollars every month. j their accounting system should be audited. I have attempted to pay the outstanding fees ( even though they are fraudulent against my account ) but somehow I keep getting fee 's added to my account, monthly. 

This loan has spanned a 20 plus year payment and yet I keep getting fees charged to my account. I want whoever is allowed to audit my account and that company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: AZ
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:
Equifax had a breach in security in XXXX XXXX where my credit information was stolen. I was not notified about the breach until this past week, which is the second week of XXXX XXXX. At this point, I have not been affected. However, the company can not assure me that I will not be affected in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
An individual hospital service provider illegally had a collections account added to my credit file. TransUnion illegally unlocked and removed a permanent freeze that I had on my account to allow this company to create and apply a credit debt to may account that belongs to the US Veteran 's Administration. I had this removed via my monitoring services with XXXX  but found that is now showing on TransUniion and they have illegally locked me out of my account by monitoring my security question answer that is used to access the account. I worked on this in 2020 to correct and freeze my account due to a breach and theft of a credit card and this credit reporting agency continues to violate not only my privacy and my rights but has allowed the illegal adding of an account to my locked and frozen credit file that I did not give anyone permission to add anything to and they continue to prevent me from being able to correct it despite being notified that it is not mine.

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 2017-08-07
Company: World Omni Financial Corp.
State: GA
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:
I have XXXX inquiries on my credit reports dates XXXX-XXXX-17, and XXXX-XXXX-17 which I do n't recall authorizing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my XXXX and XXXX   credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX   XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Prior to opting to put my loan in forbearance, I contacted Wells Fargo to verify that the payments would, in fact, simply be added to the end of my loan and that I would NOT have the deferred amount called due all at once. 

On XX/XX/XXXX I received an email from a " Home Preservation Specialist '' at Wells Fargo that they were " reviewing my documents '' I had not submitted any documents and contacted Wells Fargo by phone to determine what the email was about ( this person did not respond to voicemails or email so I contacted the next available representative, I was told I needed to talk with Ms. XXXX directly ). I emailed her on XX/XX/XXXX stating that I was trying to pay the mortgage payment and bring the loan out of forbearance but that I wanted to make sure I was going about it the right way. 

On XX/XX/XXXX I was able to get the situation escalated to the executive mortgage department and was assigned a case number, I did receive some follow up through the process notifying me that there would be some delays. In the meantime I was receiving packages appearing to need to qualify for the forbearance I had already been given. 

I have now received a letter dated XX/XX/XXXX that states that I was, in fact, given incorrect information by the Wells Fargo representative I spoke to on XX/XX/XXXX but that as the servicer, there is nothing Wells Fargo can do and instructing me to apply through them for approval for a loan modification or bring the total amount of {$12000.00} in to bring the account current. 

I would not have elected to go into forbearance had I not been given misinformation, and will also not likely qualify for the adjustment as my XXXX tax returns will not show impact from the pandemic and that is what would be used to " qualify '' for the modification. I was also not informed in any way that by going in to forbearance I would eliminate my ability to refinance my mortgage, which I now know I can not do due to " payments not being made on time for 12 consecutive months ''.

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