BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My son ( who has a joint account with me ), unknowingly deposited a fraudulent check for {$2700.00} into his account on XXXX XXXX for the sale of a bicycle for which he was asking {$700.00}. The person who sent him the check asked him to electronically transfer a portion to them ( {$2000.00} ) to a QuickPay with XXXX payment to " XXXX XXXX XXXX ''. The bank made the funds available to my son right away ; even though it was significantly more money than had ever been in the account and the check was a personal out of state check. My son believed that he confirmed the check had cleared by seeing that the funds were available in the account prior to transferring money the following day ( XXXX XXXX ). A few days after the funds had been electronically transferred ( XXXX XXXX ), the check bounced as having been from a non-existent account. 
We filed a complaint with the bank ECW # XXXX and the bank has claimed that because it is a joint account, and I have a long standing relationship with the bank the funds were made available right away. They also said that there are many criteria that determine when funds are made available, but didn't share those criteria with me. 
The same bank wouldn't give my son a credit card ( with only a {$500.00} credit limit ). When I stated that this was a much bigger loan, that we didn't even ask for, the bank said " this wasn't a loan ''. 
We ( my son and I ) have filed a police report with the local police and filed a report with the FBI online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 we paid the agreed amount to satisfy two loans with TD Bank. I continue to this day to receive a statements from them claiming I owe them {$19.00} on one loan and that the other is still open. 

I have the satisfaction letters that demonstrate they have been recorded in our county registry as satisfied. We have a letter from the collateral dept stating the same. 

I have phoned them on four occasions to discuss this matter. Each time I get bounced around to different departments, left on hold indefinitely, and in the end, nothing is resolved. I don't receive any call backs or action taken to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: MI
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: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX  XXXX/ XXXX, XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX  XXXX/ XXXX, and XX/XX/XXXX XXXX checked my credit but no services was extended inquiries shouldn't be furnished on my 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 non-monetary relief
Consumer complaint received 2019-08-24
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX MoneyLion was offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : 1. Join MoneyLion 2. Set up a direct deposit of $ 500+ 3. Opt in to bonus 4. Maintain direct deposit for 90 days to get  bonus So, I opened an account with MoneyLion ( offered through XXXX XXXX XXXX, XXXX XXXX, Iowa ) and met all the requirements ( MoneyLion representative enrolled me into the offer over the phone ), but didn't receive a bonus. XX/XX/XXXX I contacted MoneyLion support regarding this issue. I was told it will be resolved in 3-5 business days, but no one actually did anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
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:
SHOWING INCORECT INFORMATION BALANCE WITH 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 2018-03-12
Company: Ad Astra Recovery Services Inc
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I've reached out to the company multiple times to get something with my information and they won't provide me with anything. I never took a loan out with the company and I don't feel I should be held responsible for money I've never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: NJ
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:
please remove XXXX I never was late on anything please remove account from my report account XXXX mortgage

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 2021-04-26
Company: CrossCountry Mortgage LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage on XX/XX/2021. I submitted all requested information under the impression that I would receive a pre approval within 7 days. I have called the office and emailed them with no success. They gave me a hard inquiry on all 3 of my credit reports and failed to offer me a product, an approval or a denial. I want the inquiries removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX -DP OF EDUC 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 2019-08-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I just want to clear that no one is doing any kind of fraudulent activity on my accounts you have my authorization to remove anything other than what I am putting today XX/XX/2019 American express has been giving me the biggest headache Im trying to verify myself I have verified myself over and over you could reach me at XXXX my other numbers are no more longer in service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a collection on my credit file and they removed the collection from my file on XX/XX/XXXX and recently has been returned to collect from me for a medical reasons to which I have had my insurance that has covered everything for the last several years now and I have to be frank the company trying to recollect what you have already deleted from my file on XX/XX/XXXX is unnecessary and I have been told that my identity had been comprised and personal information about my identity had been used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
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: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED AN INACCURATE BANKRUPTCY WITH EXPERIAN SEVERAL TIMES. AFTER THE INITIAL DISPUTE THEY INFORMED ME THAT THE BANKRUPTCY WAS VERIFIED, AND IT WAS VERIFIED THROUGH XXXX XXXX. WHILE DOING MY OWN INVESTIGATION I CONTACTED THE BANKRUPTCY COURT & XXXX XXXX DIRECTLY. AFTER REVIEWING MY XXXX  XXXX  REPORT IT STATES THERE IS NO RECORD OF ANY BANKRUPTCY FOUND. I RESUBMITTED MY DISPUTE WITH EXPERIAN AND ATTACHED ALL OF MY SUPPORTING DOCUMENTS WHICH STATES THERE'S NO BANKRUPTCY FOUND. I ALSO DISPUTED THIS WITH XXXX  AND XXXX, AND BOTH BUREAUS REMOVED THE INACCURATE BANKRUPTCY. I THEN PROVIDED EXPERIAN WITH MY INVESTIGATION RESULTS WHICH SAYS THE BANKRUPTCY HAS BEEN REMOVED, AS WELL AS THE XXXX CONSUMER DISCLOSURE REPORT FROM XXXX XXXX. AFTER ALL OF MY SUPPORTING DOCUMENTS THEY HAVE YET TO REMOVE THE BANKRUPTCY AND IS LYING SAYING THEY VERIFIED THE PUBLIC RECORD.

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 2021-03-30
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I opened a Wayfair Credit Card which is held by Comenity Bank. Upon opening the card I called and asked if the statements that I received would reflect the minimum monthly payments to pay the account off within the 0 % interest time frame. During that call I was told that they would. Today I opened my statement from Comenity Bank and there are {$500.00}. I called Comenity Bank and there is not 1 of the 5 people that I spoke to that A ) Explained the charges in the same fashion or B ) Were able to explain the charges at all and the fairness in which they were charged. I was referred to as a child, I was challenged to think like a consumer and be responsible and above all not given factual proof of said charges. I 100 % agree with the ability to profit on consumers, I do not agree with deception and unfair predatory treatment. When asked about their offerings for hardship during the pandemic I was advised to call after my due date without making a payment which would then incur a late fee? I was able to understand that Comenity opened 3 different promotional accounts under 1 main account and applied payments at their discretion instead of in the best fashion for the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: Nelnet, Inc.
State: MI
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:
My income went down by $ XXXX in XX/XX/XXXX ( joint taxes filed with my wife ), and yet my student loan increased ( On Income Based Repayment, my loan payment increased from {$280.00} to {$530.00} - an increase of about 85 % more. They always ask for your Tax forms in XX/XX/XXXX ( instead of after XX/XX/XXXX, which would make more sense ), so since XX/XX/XXXX I have been calling them and trying to get them to explain this increase. The had me submit paycheck stubs, fill out paperwork 4 separate times ( one time an employee there filled out the paperwork " correctly '' and said all I had to do was sign it and mail it back in, but the next person said that paperwork was wrong ). I initially filed for the month deferment when I objected to the new payment amount, and they needed time to recalculate it. Now, after 5 months, no one is still explaining why my payment increased, but they say I am ineligible for another deferment because I already had one, so the choice is now pay the higher payment, or be penalized. The only nugget of information I got was that they calculate my Income Based Repayment based on the GROSS income ( so before taxes, social security, health insurance, etc. ). Every time I have called they state there is no supervisor that I can talk to. I 'm fed up with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my fifth time complaint they keep responding that the complaint does not appear to be from me. This is an ongoing problem with Experian so I am sending the same request again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XXXX XXXX ) 2. ( XXXX XXXX XXXX  & XXXX XXXX ) 3. ( XXXX XXXX & XXXX XXXX ) 4. ( XXXX XXXX XXXX XXXX & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. You keep saying this is factual information when in fact it is not. I did not apply for anything. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. On the previous request Experian did not remove these inquires. Please delete these items. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2020-08-25
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 Convergent Outsourcing received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101.  I called Convergent Outsourcing on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. The agency had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following  information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.

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 2020-08-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
State: FL
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: MD
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:
Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to XXXX, Experian, and XXXX however the information still remains that I have balances on the paid off accounts. 

XXXX ( these accts are all paid off ) : XXXX XXXX  ( # XXXX & XXXX ), XXXX XXXX ( XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after 180 according to law ). XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

XXXX : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code.  This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX insurance for {$120.00} ). 

Experian ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXX XXXX Credit Card ( # XXXX & XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from 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 explanation
Consumer complaint received 2020-01-29
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: Account status incorrect

Complaint:
Equifax continues to report delinquency with XXXX XXXX when none exited. XXXX XXXX  had a system platform update and my account was never transition to the new platform. Therefore, the reporting created by XXXX XXXX was an admin error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Credit Karma, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have tried repeatedly to resolve an issue with Credit Karma for over a year. I have emailed them to let them know that I am not able to access my account because my phone number associated with the account when I set it up over a year ago ( XXXX ) XXXX was puned or taken over by someone else. Credit Karma ignored my requests to help change the number associated with the account and then to close the account. I received numerous emails from them that say things like someone added you as an authorized user on their credit card and that they received the information from XXXX XXXX. When I contacted XXXX XXXX they said that they did not have any information about me being added as an authorized user on someone's credit card. I have had a lot of issues with identity theft and the fact that Credit Karma continues to keep my account open and I do not have access to it is very concerning to me. I would appreciate any help that you could give me as Credit Karma ignores my request to close this account.

Company response to consumer: Closed with explanation