BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/2011 I was a part of the XXXX XXXX breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.

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 2019-07-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I paid for a money transfer service at XXXX for {$2400.00} which I was denied after customer service rep realized that we had no valid ID. But the money was already taken off my card. 

She advised me to contact my bank because she had reversed the transaction back to my bank and they had to decide when the money would be put back onto my debit card. 

My bank advised me to do a claim for the transaction and gave me a claim number # XXXX. They said the money would be available to me within 24 hours. 

The next day they said the claim was denied and I would have to provide the refund/reversal receipt that XXXX gave me. I faxed over the receipt immediately and waited till the next day. 

The next day I went into the branch and I was informed that my account was being closed, and they could not offer any reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Novad Management Consulting LLC
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have a reverse with Novad that has a balance I would like to withdraw and have trying to reach the HECM department for 2 months calling daily and trying different phone numbers and email addresses researched through the internet and have not been able to speak with a single person only reach robotic answering systems or get emails rejected. Thie money is mine and I would appreciate being able to receive it. If you can get someone or advise of a correct contact information it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: FL
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:
The account XXXX XXXX XXXX - XXXX is reporting as a charged off account on my Experian Credit report. 

The account has paid been off. I have attached a letter from XXXX XXXX XXXX confirm the account is no longer a charge off account.

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 2019-02-27
Company: SYNCHRONY FINANCIAL
State: WI
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 check my credit information both on XXXX XXXX credit check and XXXX XXXX in my XXXX  credit report I noticed a hard inquiry that I did not approve, the company syncb is a national credit card/airlines company based out of Florida, it says the inquiry was placed XX/XX/2018. I do not recall placing this request or approving of it and I would like it removed.

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 2021-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The Bank of America charged me {$30.00} to stop payment on a {$45.00} check to the XXXX XXXX XXXX. This is outrageous. I don't mind paying a {$10.00} stop payment fee, for example, but to charge me {$30.00} on a {$45.00} check is OBSCENE! 

Furthermore, I have overdraft protection and yet the Bank of America keeps charging me an overdraft fee of {$35.00}. I have repeatedly complained to the branch manager of the Bank of America at XXXX XXXX XXXX, XXXX, New Jersey XXXX but to no avail. This {$35.00} overdraft fee keeps appearing! 

I call all this a rip-off! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( ret )

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 2020-04-24
Company: AES/PHEAA
State: AZ
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:
In light of the automatic administrative forbearance applied through the CARES Act, my Direct consolidated loans were changed from repayment to a forbearance status without my consent. I have emailed FedLoans several times without response ( weeks ago ), and finally reached someone through XXXX but the response was vague and did not make sense to me. Even the one time that I reached someone through the phone, the representative did not seem like she was sure of the answer that she was giving me. I need accurate answers to the following regarding my federal loans : 1 ) Will my outstanding interest from PRIOR to XX/XX/2020 ( obviously not the interest during the temporary 0 % interest period from XX/XX/XXXX to XX/XX/2020 ) capitalize to my principal balance at the end of the automatic forbearance which I did not initiate? There is nothing IN WRITING on the studentaid.gov  website, and Fedloans has been giving mixed messages regarding this issue on their website, XXXX, XXXX etc. 

2 ) I understand that Public Service Loan Forgiveness ( PSLF )   credits can still be earned during the period of XX/XX/XXXX to XX/XX/2020. But for those of us who would otherwise meet the requirements and qualify but are unemployed, would unemployed borrowers still be able to earn PSLF credits during this period of time? Do I need to continue to be on administrative forbearance in order to still earn PSLF credits while unemployed, or can I stay in repayment status? 

3 ) If I go back to repayment status, but later decide to go back to administrative forbearance, am I able to do this ( until XX/XX/2020 )? 

The answers to these questions may help many other borrowers if it is posted clearly on the studentaid.gov website, and it would help if FedLoans also was consistent in all of its communications ( I don't expect much from FedLoans, and I don't trust them anymore about this issue ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: RoundPoint Mortgage Servicing LLC
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:
There has been some misconduct on my credit report, there are accounts that should not be on there that i did not authorize to be open. my identity was taken advantage of and i am trying to clear this up. please help restore the good name i work hard to build.

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 2022-04-05
Company: BARCLAYS BANK DELAWARE
State: NV
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:
Over the past 2 years I have sent several certified letters trying to get XXXX to correct the errors from a company called " Barclay Bank '' they are showing as a collection. As well as a company called XXXX XXXX showing the same. one shows I have a high limit of XXXX and Barclays shows XXXX credit limit. As well as NO records of my one time payments! They have NO dates reporting for either of these companies. ALL my bills show I am an exceptional payment and these XXXX companies are significantly damaging my credit by not fixing these errors!!! And after at least XXXX certified letters over the past 2 years of giving them information to correct and they still don't update!!! I want these both removed asap or I will now take this to lawsuit. It is too much now all these years.

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 2017-10-05
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The latest shady experience I 've had with Discover Student Loans took place today XX/XX/XXXX. I had been double charged for a student loan payment on XX/XX/XXXX when I signed up for a repayment assistance plan. Needless to say, getting double charged was the last thing I needed. So, I called Discover Student Loans on XX/XX/XXXX when I noticed on my bank statement why my balance was so low ( double charged ). I spoke with the repayment assistance department and they agreed that they had double charged me and said they would process my payment refund immediately. The person I spoke to even confirmed my phone number and asked if he could call me if there were any issues processing the refund ... Well, today, XXXX days after I made the call I still had not received the refund. So, I called again, explained, and after being put on hold the person I spoke to said that they had just sent the refund by mail TODAY ( seriously?! ) and that it will take an additional XXXX days for it to arrive. Clearly, they were not planning on refunding my payment, and then to top it all off they sent it by mail instead of refunding it directly to my bank account. This is the third time in XXXX years I 've experienced an unscrupulous practice from Discover Student Loans. I will also submit a complaint for those other instances because enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: FL
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:
This account is inaccurate and an FCRA violation. COMENITYBANK/XXXX  # XXXX. The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate in the XXXX and XXXX. Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to XXXX on the weekend of XX/XX/2022. I noticed that my debit card was missing On the morning of the XXXX when I was at the airport. I checked my bank account and noticed that a charge had been made the night of the XXXX at a bar called XXXX XXXX  that I never went to. It was a charge for {$260.00}. I filed a claim with chase and they told me that they would investigate it and issue me a temporary credit. I just got a notice in the mail that my claim was denied and that they would be reversing my temporary credit which I cant afford for them to do. I was positive that it would be an approved claim since I wasnt there but chase banks reason for denying my claim was because the purchase was made using a chip card and they can not be faked. I told them that anyone can use a debit card at a bar. The waitresses run it as credit. No pin is used at bar from my past experiences. They told me there was nothing they could do. I tried reaching out to the bar that the charge was made at but no one will answer, or return my calls. Ive even emailed them as well and no one has responded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: TX
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:
After the Equifax security breach I signed up for the free one year TrustedID Premier credit monitoring. I received the email to enroll on XX/XX/XXXX. I attempted to sign up that day and received an " enrollment error '' and a message to call XXXX. I called that number and waited on hold, provided my info and was told that it was the wrong dept and to call XXXX. I called that number and waited on hold, provided my info, and was again told wrong dept. I was then provided XXXX. That number too says they are the wrong department and suggests calling XXXX ... the number I began with. 

I called back the next day and encountered the same ordeal. I also have called back today, XXXX XXXX, and experienced the same thing. So after XXXX hours on the phone total I am no closer to being able to use the credit monitoring. 

Equifax is responsible for releasing my credit/financial information without my permission and is now failing to uphold their offer of a year free credit monitoring by putting consumers in a never ending loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One has been reporting a charge off for 2 years after closing my credit card for Exercising my rights. Under the law this is called an adverse action. 

They are reporting to my consumer credit report as a charge off to which as of XXXX XX/XX/2022, I have never received a XXXX. 

I have requested the company to Validate the account pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). I requested that they provide the original ledger and/ or the authenticated record. They have not. I have also never received any documentation requesting validation. Per FTC 15 USC 1692d ( 4 ) this is called debt parking. 

I am aware that only the holder of a note may collect any alleged debt. This is unlawful extortion by reporting this to my consumer credit report. 

Pursuant to 15 USC 1681b I have not given capital one permission to furnish a consumer report. They are using my identifying information without my consent which is Identity theft under 15 USV 1681a ( q ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
There was not an option for this in its entirety, so please see below : I received a call from Credence Resource Management , LLC referring to a debt I have no acknowledgment of, other than the fact that a different collection agency recently, illegally added the account to my credit report. It has since been removed after disputing the account for 1. not belonging to me 2. not following FDCPA New Regulation F.

I explained this information to the male who called me from Credence Resource Management , LLC and advised him that his company most likely purchased bad information. He became upset with me when I asked for him to mail me the information he had on the account, and to ensure the information he sends adheres to the New Regulation F guidelines.

Following, he said, " No, I'll just report it as fraud. Have a good day. '' and disconnected the call. Within a couple minutes, I received an alert from XXXX, notifying me that a fraud alert was placed on my XXXX report. I never requested this, nor did I say I was a victim of fraud. Now I am having to spend time trying to repair this issue so it does not negatively impact other businesses I am engaged in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The XXXX XXXX XXXX credit card was pay and close For {$2300.00} Date open XX/XX/2010 Was pay off and close

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 2017-10-05
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wrote letter on XXXX to XXXX XXXX that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised XXXX XXXX to removed incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax 's credit report is constructed in a difficult to understand structure. I want my Equifax credit report to match both my XXXX credit report score of XXXX or XXXX credit report score of XXXX. ALL CREDIT REPORTS SHOULD BE THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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: Public record information inaccurate

Complaint:
Certified letters were mailed XXXX, XX/XX/15 and again in XXXX no resolution and cant confirm who is verifying this false information is inaccurate.

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 2021-05-18
Company: EQUIFAX, 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:
I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX ) and they are now have the most recent police report ( that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. XXXX does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX Systems is being assisted by the credit agency to ruin my stellar payment history and rating. XXXX, Transunion & XXXX has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Penn Credit Corporation
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  XXXX AMOUNT : {$230.00} DATE OPENED : XX/XX/XXXX XXXX  XXXX  XXXX  AMOUNT : {$200.00} DATE OPENED : XX/XX/XXXX PENN CREDIT CORPORATIO AMOUNT : {$550.00} DATE OPENED : XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: MA
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:
When attempting to dispute Items on my credit report, Equifax asks questions in addition to Items like social security number and address. 

There are a series of multiple-choice questions to be answered. When I answer the questions correctly, Equifax states that I have provided the wrong information, making it impossible to file the dispute.

Company response to consumer: Closed with explanation