BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: FIRST ADVANTAGE CORPORATION
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received my background report from First Advantage through XXXX for pre-hire. 'Felony and misdemeanor ' out of XXXX XXXX AR is inaccurate and incomplete. This 'charge ' has been abandoned and should actually not even be negatively reported, whatsoever, and affect myself negatively being that the inaccuracies and incompleteness that were reported where not reported by me but affect me negatively ... ... .The 'Case date ', 'Disposition ', and 'Disposition date ' are incomplete/inaccurate and seem to been done hurriedly and shotie. The disposition date is the same as the case date, but there has been no disposition date nor will there ever be a plea of guilt or innocence. And under 'disposition ' where 'guilty ' should reside ; it states 'pending court date not available '. This should actually ( in my eyes XXXX be illegal to be reported as it has been, seeing that definatives have been switched intentionally to 'lock down ' a final negative report of a charge that I have never been convicted of. If you can help myself on my report and? reissuance to XXXX? it would benefit me for the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA

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 2020-11-05
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:
There are currently numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

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 2021-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I settled with the Debt Collector XXXX XXXX XXXX On Capital one and XXXX  XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureau. XXXX XXXX XXXX has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). 

XXXX {$1300.00} XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt they are trying to collect was dropped from my credit report and I did not receive a letter within five days of reinsertion. Due to this this company has been harassing me and filed a lawsuit against a debt that is not mine. It was dropped by collection agency on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: OR
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 filed a FTC identity theft report and police report and submitted to the credit bureaus because there are four fraudulent accounts and Experian is refusing to accept my FTC report. They claimed the format was wrong. However I printed it directly from the website. I contacted the FTC today who confirmed there was nothing wrong with my report that it is just like the others they see every day. They suggested me file a complaint because its a legal document. The attached document is the same that I have provided to Experian

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 2018-06-15
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX there were 2 unauthorized cash withdrawals being conducted in XXXX  XXXX nearly 500 miles away. I became aware of these charges when my card was declined at XXXX XXXX in XXXX, CA where I live, and I received a text from XXXX XXXX regarding suspicious activity asking me to contact them. I called immediately and was told that there were 2 withdrawals, {$300.00} & {$260.00}, that were conducted in N. California. I explained to the rep that I had the card in my possession the entire time and did not share my card with anyone NOR was I anywhere near N. California. My card was closed and the rep filed the dispute on my behalf. A month and a half later I got a call from the bank asking for more info. I explained to that rep the same thing i had explained back in XXXX and they said they would let me know via mail. On XX/XX/XXXX, OVER 60 days AFTER I FILED MY DISPUTE, I received a letter from XXXX Bank saying that I benefited from the transactions and that I my dispute was denied. I was OUTRAGED!!! I called my credit card company immediately and they refused to provide me ANY documentation regarding the investigation, which is a violation of REG E and they said that I did not fill out the form correctly, since I didn't list the amounts. Rep named " XXXX '' refused to transfer me to a supervisor and stated she would not mail me any documentation regarding my dispute. This is outrageous!! My card was compromised and XXXX Bank is holding me responsible!!

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 2019-09-11
Company: JPMORGAN CHASE & CO.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is with great fraustration and after eight years requesting from Chase Bank a work out plan that is feasible to all. As of today I have not received any decent help or resolution on this case. 
Just to familiarizes you with the case, after so many packages provided. 
On XX/XX/XXXX. I, XXXX XXXX was called by a representative of Chase Bank while applying for a loan and was informed that my application package submitted by XXXX XXXX XXXX XXXX XXXX on XXXX Loan # XXXX was denied. No specific reason was given. Except that I had the right to an appeal. It's so happened that the day of the denial was the last day for the appeal. How can both happened at the same time. 
This loan is a Wamu loan option arm based on a 3 % margin over the MTA index and property taxes are escrowed. I understand that chase bought the loan from Wamu ( Washington Mutual ) in ridership in XX/XX/XXXX. It was shortly after when I started getting invoices from Chase. Please understand that this is not a mortgage default. I have never stopped payments on my mortgage.. 
All I wanted was for Chase to give me what the had promised. 
The agreement read {>= $1,000,000} dollars less that the existing principal on the loan and agreed to hold the difference on a 0 % interest for 30 years. They waited six months to tell me they were not closing the promised loan.. 
Chased proceeded to do an appraisal The appraisal indicated my home was under water I then accepted the refinance loan and provided loan documents. Again Chase came back and told me that they could not give me a loan. 
There area various issues with this mortgage First being JP Morgan Chase may lack the proper legal standing to enforce the mortgage and note, because of the note endorsement stamp issues containing the signature of the former Vice President of Washington Mutual, XXXX XXXX. 
XXXX XXXX report from XXXX Fraud mortgage investigation suggested that the interest was not calculated properly and also the real estate taxes. He pointed out that the note may not be properly endorsed and that Chase never recorded the deed. 
I think chase 's tactics were disingenuous and perhaps even fraudulent. I have provided report from XXXX XXXX XXXX Fraud investigation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is on all three credit reports IC System ink and XXXX XXXX XXXX i was checking my reports and and found this account i have call them and told them i have never levied outside of Mississippi this is a light bill from Florida i have never livid there and have not let anyone used my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: IN
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:
Experian and XXXX  have been reporting fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX These are fraud, I didnt benefit, apply for, and authorize these accounts

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 2021-05-29
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Hi my name is XXXX XXXX I have been a victim of identity theft I finally caught some very scared important information and I fear my life this person has gone acres of third partie connection with company involved GoogleXXXXXXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, I have the vin numbers, my unemployment, credit cards, XXXX XXXX, XXXX, XXXX XXXX devices, XXXX XXXX, XXXX as well, and other websites shared with other people this has tore my family apart financially and emotionally XXXX  already struggling to make ends meet and to come to find out I had a scam watching me and my account social ect, this whole time I have made a police report and I have screen shot from and XXXX and other information that my help this person has been using every single number I have owned my current number is XXXX and thanks to this XXXX  XXXX number I just got with this new low income company I was connected to information that was given to me thank you please contact me for information are email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
So on or about XX/XX/2020 I had a lady named XXXX XXXX call me from the executive office of chase and we spoke for some time she stated to me that as of XX/XX/2020 that I had been added to the loan she then went on to state that in XX/XX/2020that one of the loans had been taken out of forclouser so that I was good on that one she then stated to me that on XX/XX/2020 that the other loan had also been taken off foreclosure she then stated that I was denied a mortgage assistance and it could have been because my name was not on the loan at that time she then advised me that I should hurry up and file new paper work for mortgage assistance now that I have been added to the loan she also advised me that sence I have so much equity into the house that they should be able to use that to catch up what I am behind she said there was about 105 k owed on the place and that the value of it was around 280k so there is plenty of money there to do so she then stated she was going to send me everything that we had talked about on the phone which I have never received she also said that my relationship manager would be calling me to see what options we have and talk to me about the equity and using that well I still haven't talked to her they did call and leave me a message about giving me XXXX to move out but when I returned the call all I got was a machine and never a call back well I'm still getting papers saying that the forclouser is still set for the sale date well if both loans have been taken off forclouser wouldn't they have to start all over again not just to decide that they are going to move forward with it and keep all of the same dates after they took it out of forclouser they are just trying to steal the equity that I have in my house and not trying to work with me what so ever I think they should take some of the equity I have and put it towards what I'm behind and then start letting me make my payments again instead of trying to steal my house do they even have legal right to for lose sence they don't even own the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is about the company XXXX ( formerly TransferWise ) which I use frequently for sending money abroad. However this transaction was between two USD accounts. Both accounts are XXXX accounts, that of myself and my sister. 

The fundamental complaint is that on XX/XX/2021 XXXX sent XXXX to an account without confirming the name on the account matched the account number. I had mistyped in the account number ( transposing the last two digits ) of my sister for whom the money was intended. Thus the funds went to an account with a name which did not match the number. 

Note that : ( i ) The receipt I received on both the phone app and the website indicated the transfer had gone to the right place - ie they contained the name of my sister. Only the emailed receipt ( which I would not normally check, but happened to see within a few minutes ) contained the name of a person XXXX XXXX who is unknown to me. Thus a secondary complaint consumers might be concerned about is that this process has leaked the name and account number of a customer of theirs. 

( ii ) Both accounts ( sending and receiving ) are accounts with XXXX. So they clearly have access to the relevant information. 

( iii ) Because both accounts are with XXXX the transfer happens instantly. They proudly announce this fact to you. When XXXX sends money to an external account it takes time and you can cancel the transfer if you notice such an error up until the time it has actually happened. Therefore the onus should be on XXXX to at least confirm instantaneous details to which they have instantaneous access if they are going to transfer instantly. 

( iv XXXX XXXX does ( presumably by law? ) confirm names on accounts for many transfers because there are varuous things ( daily limits etc ) which are different when you are transferring between accounts in your own name versus ones in other names. 

( v ) XXXX had asked for access to my contacts, and therefore could find my sister 's account via that mechanism ( which presumably would then have the correct account details ). There is no way to identify within the app whether the person you are sending to is someone you have manually entered ( and therefore should check more carefully ), or that they have automatically added to your list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a cosigner on a student loan. I recently had a major change for a delinquency on my credit score for the loan. I have not received any type of correspondence regarding loan payments, late payments or anything regarding this loan. I am curious as to why my credit has changed without any communication as to what is needed to correct anything late on the loan. The last communication which was several months ago from them was through a phone call after they left a voice mail. I responded back to them and explained I no longer have a relationship with the borrower but will make contact to ensure the payment is made. I have not heard anything since then from them including mail correspondence which I have received in the past. I would like to file a complaint as this has negatively affected my credit without any attempt to alert me of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Nelnet, Inc.
State: WA
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 was encouraged to sign up for IDR, but was never advised that my interest would be added to my principle if I was ever denied re-certification, or that I could be denied despite my income not significantly changing. I was recently denied and attempted to call Nelnet customer service on XX/XX/XXXX at XXXX XXXX  PST. I asked why I was denied and was told that Nelnet simply decided it was best. I asked to be rectified while on the call and was denied. I requested to find when and how much interest would be capitalized and was told they did not know. I do not believe that I should have over {$6000.00} added to my principle as my income did not significantly change and was not advised that this was even a possibility when I was guided into this plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as XXXX, TransUnion, and XXXX with non of them properly updating the info

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 2018-06-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I purchased my Credit Report and FICO from XXXX. The report reflected all my accounts current but extensive unauthorized chagres reflecting usage of credit I did not use, as a result of Identity Theft. I notified the supervisor of the Fraud and Security Unity of XXXX  on XX/XX/2018, who advised if I made a police report and sent it by facsimilie to XXXX, they would issue a revised current report and new FiCO and remove all the unouthorized requests for my credit report. I specifically asked my crditors to notify XXXX, they did and there has not been a new report and FICO report reflecting my actual use of my credit and removing the unauthorized requests for my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: MONEY SOURCE, INC., THE
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The Money Source was informed by the XXXX County Assessors Office in XX/XX/XXXX that my taxes were reduced and no taxes were to be collected in XX/XX/XXXX. I called the company in XX/XX/XXXX and requested my overage in my escrow account be refunded and payments be reduced accordingly. The company stated the funds could not be returned until an escrow analysis could be completed which may take an additional three months or more and payments will not be reduced until that time. The Money Source is collecting more funds than required to fund the escrow account and not providing any interest on the amounts in excess of funds needed and have not reduced the monthly payment accordingly. The company is in possession of an overage of funds which should be returned to me promptly and not be able to take my funds and return them when its convenient for them. If the company decides to hold the funds they should pay me interest, since they are over billing me and refusing to refund the overage in a timely manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX, its a hard inquiry dated XX/XX/2017 2017

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