BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-04
Company: Manhattan Beach Venture, LLC
State: CA
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:
When the initial agreement for the enrollment of school, the information that was provided during the application was vague.This instantance occurred onXX/XX/2008. When the school went out of business I was not informed of the changes of the program and as to where will the payment will be completed. My account was subsidized for the period of graduation until 6 more months. Once I started my employment there was no information of the changes. Started to see online that there was ways of canceling out my debt but did not follow. Tried to reach the financial institution that now owned the loan but did not obtain no accurate information of what happened and how could I continue to make payment to my loan.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for capital one savor credit card and I met all of the requirements and they never listed a minimum income and they denied me based only on income which is XXXX because theres no minimum income listed anywhere. I qualified for everything else and their XXXX  denial effected my credit score so I think that they need to be charged or fined in someway for false advertising because not saying that they require a minimum income and then denying people on that is a bunch of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: ID Analytics, Inc.
State: NV
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:
Went to purchase a vehicle. About 1 month after having the vehicle I got a letter from XXXX XXXX saying my transaction with them is denied with the terms the dealer wanted but that they would accept other terms ( aka higher interest rate ). This is due to the credit score assigned by XXXX XXXX which was about 100 points lower than XXXX and XXXX. I believe this is a scam to allow XXXX XXXX to ask for higher interest rates due to questionable credit. Searching the database here and XXXX searching, I see this is a very standard practice of XXXX. My credit with the 3 major credit reporting agencies is 800+. This is a scam and a slap in the face. XXXX should lose their credit reporting license.

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 2021-03-29
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:
XXXX XXXX XXXX has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, XXXX XXXX XXXX has tarnished and abused my reputation with their fraudulent consumer reporting tactics. 

On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. 

I am currently waiting for their response/resolution.

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 2017-12-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
2005 applied for a loan with XXXX XXXX. they stated it would be a 20 year loan and advised us to pay extra if we could each month. in XXXX. our loan was sold to SLS ( Specialized Loan Services ) at this time they went thru our loan with a fine tooth comb. they said we missed a payment to XXXX several months back. So to the point I wanted a print out from day 1 to now of all the payments they required from us, what went to interest and what went to principle. I have asked a dozen times for this and they refuse. there paper work shows a 14 year loan. I 'm XXXX I really do n't know what I did with the early paper work. all these years we have been paying extra each month, we borrowed {$100000.00} and now we owe {$91000.00}.

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 2019-03-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. 
XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX LA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I are both in our 70s and we  refinanced our home in XX/XX/2016. We had deferred property tax payments, but used that loan to pay the balance with the County. Deferred, not delinquent. 

We again deferred property taxes on our new mortgage so as to mitigate monthly budget issues. 

Our payment history is perfect. 

Ditech mortgage paid {$8600.00} to XXXX County Tax Assessor on XX/XX/XXXX. They paid Deferred taxes, not Delinquent. 

XXXX XXXX of the XXXX County Tax Assessor can confirm. He is at XXXX, and XXXX. 

Ditech refused my XX/XX/XXXX Payment as they adjusted it from {$1100.00} to {$2400.00}. 

My husband has had more than ten XXXX in the past year and suffers from XXXX. I lost the use of one of my XXXX due to a XXXX XXXX procedure two years ago. 

This will literally kill us. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was instructed to transfer money to JP Morgan/Chase. I explain below how they have failed to do their due diligence and have engaged with a company that is involved in suspicious activities that include potential money laundering and fraud. 

I was the victim of a sophisticated investment scam by a company calling themselves XXXX XXXX XXXX. I see postings that they are a scam all over the internet. I received text messages and engaged with them online from my home in the United States. I made three payments to them by means of international wire transfer. 

When I transferred my money to XXXX XXXX XXXX, I thought that I was going to be investing. What I did not know is that XXXX XXXX XXXX was a scam and completely unregulated. Therefore, I did not actually receive any investment services whatsoever as they never put my funds in a brokerage account for me as I was expecting. All that I received was an online simulation.

I was also a victim of JP Morgan/Chase because they should never have engaged with XXXX XXXX XXXX and their owner XXXX  XXXX XXXX. If they had done due diligence with their client, obtained KYC documents and followed anti-money laundering laws, they would have realized XXXX  XXXX XXXX was a scam. My attorney has sent a letter to JP Morgan/Chase ( see attached ), detailing all of the above and more, to which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Bridge It, Inc.
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continue to email me several times a week about a debt they think I owe them. I just want them to remove my email from their records. I've asked repeatedly for them to stop sending me emails and they just flat out ignore me or respond and say they will if I agree to pay 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 non-monetary relief
Consumer complaint received 2019-01-26
Company: EQUIFAX, 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:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records.There is 1 account reporting to Equifax which is fraudulent and I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law and I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional and physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went to which I thought was XXXX to place a bid on an item to find out after speaking to XXXX it was not part of their website although it looked identical. I bid {$3000.00} for an item and the bid was accepted and the form of payment was a bank wire in which I sent. After speaking to XXXX they have no record of the transaction and I was scammed into thinking I was dealing with XXXX since I rarely use their site. Once the bid was accepted via an email I received from XXXX ' with the name of the individual of XXXX ' began the communication of payment. I wired the money out through my XXXX brokerage account and when I asked XXXX to see if they can reverse the wire they were not able to and was sent to JPMorgan and all the details of where it was sent is below In addition an individual named XXXX with an email address of XXXX was the contact individual that I thought was accommodating this transaction and have all the emails between us if needed for additional information Transaction Type : XXXX If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/2022 Was the money sent? Yes Victim Bank Name : XXXX - Brokerage Account Victim Bank Address : Victim Bank Address ( continued ) : XXXX Bank XXXX Stop : Victim Bank City : Victim Bank Country : United States of America XXXX Bank XXXX XXXX Virginia Victim Bank XXXX XXXX : Victim Name on Account XXXX XXXX  Victim Account Number : XXXX Recipient Bank Name : JPMORGAN CHASE Recipient Bank Address : XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America XXXX Bank XXXX : Florida Recipient Bank XXXX XXXX XXXX XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX Recipient Bank Routing Number : XXXX XXXX Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, 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:
I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: HUNTINGTON NATIONAL BANK, THE
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to move money out of my account and Huntington denied it and said it was for security. I had to provide my new banking account information to them to move my money. I provided that information and the person said it was fine. The money moved which was the max I could move at one time. I tried to move more and had the same issue. Huntington is withholding my money, this should be illegal. This is after I jumped through hoops to move my money once. Now, I have to spend more time to move my own money like they own it. They also wouldn't send me proof of my beneficiary which my bank sent confirmation to me in the mail. They do not show proof of peoples beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi I had an apartment with 3 other people in my school and one of them didnt pay rent and we got evicted and I told the caretaker I can pay my part after every one abandoned the place and me. And I told the collection agency that 1. Its 4 names on the contract owe {$8100.00} and I shouldnt be made liable for it and then 2. On the contract it states that we cant be forced to pay interest or any fees except the one listed on the lease. 3. And that I told the caretaker and she said that I was ok and I shouldnt worry. Even with the lease saying 4 names and signature they still harass me to pay {$9100.00} on the document it clearly states no legal fees or interest shall be awarded to either party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had an account with American express and it was a charge card which I was not familiar with how it worked. They asked me for multiple payments of 10 % on the balance and they still charged the account off and it is impacting my credit score negatively along with them putting it into collections. I received a letter from American Express stating that if I paid off the balance I could receive another credit account with them. I am not interested in another account with American Express at this point in time. I would only like to pay the amount that is owed. I called and asked for help and no one at XXXX seemed to be remotely interested in helping me get the issue resolved. I was transferred multiple times and told that no one could assist me. I manage my credit responsibly and I have never had a late or delinquent payment. They did n't seem to want to work with me and I had to come here to seek help. I am willing to pay the entire balance and I have informed American Express of my intentions. The representatives on the phone that I spoke with most recently were very rude and unwilling to provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX XXXX, XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XXXX/XXXX/XXXX ; the account was removed after all requested documentation was submitted then on XXXX/XXXX/XXXX the account without notice was re-entered on Transunion and XXXX file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again

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 2023-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This vehicle doesn't belong to me. I see on my report that this was paid off. I have contacted this company to let them know the owner of the vehicle has file for bankruptcy and has made arrangements. I requesting for this to be removed from my report. I am a single parent trying to raise my kids, this is affecting my way of life. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on TransUnion and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 4 fraudulent inquiries on my credit report, which I reported it to XXXX XXXX and XXXX, yet they are not removing these fraudulent inquiries. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. The followings are the fraudulent inquiries : XXXX XXXX / XX/XX/XXXX, XXXX XXXX / XX/XX/XXXX, XXXX XXXXXXXX / XX/XX/XXXX and XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Account status incorrect

Complaint:
I paid off my credit card balance with XXXX XXXX in the month of XX/XX/XXXX. I sent an emailed to the XXXX XXXX XXXX XXXX on XX/XX/XXXX indicating that I never, ever would like to conduct business with company and to confirm that my account was closed. I received feedback from XXXX XXXX 's Resolution ManageXXXX name XXXX, confirming account closed per consumer request and data will be updated with all ( 3 ) credit bureaus. 
I was alerted by XXXX XXXX on XX/XX/XXXX. XXXX XXXX has reported inaccurate account status and other information to Trans Union and XXXX. XXXX XXXX only reported the account as Closed only but open as to still owing a balance ... on which I do not owe any balance. I have proof. 

XXXX XXXX needs to correct the account status with all three credit agencies as PAID-ACCOUNT CLOSED. Status information reported to Trans Union and XXXX  is incorrect and needs to be corrected.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

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 2022-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies are reporting fraudulently opened accounts under my name and are tarnishing my credit report. The first account is XXXX XXXX XXXX which was opened fraudulently on XX/XX/XXXX. The Second fraudulently opened account is XXXX XXXX  opened on XX/XX/XXXX and the third fraudulent account opened without my consent or permission is XXXX XXXX XXXX opened on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief