BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late DateXXXX

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 2018-05-16
Company: Experian Information Solutions 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:
cra violation inaccurate infromation

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 2020-12-09
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like debt validation from this collection company. If they are unable to provide it then all references to the account should be deleted.

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 2023-04-16
Company: Idaho Housing And Finance Association
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I made a mortgage payment of {$1400.00} on XX/XX/2022 and another payment of {$1400.00} on XX/XX/2022 and received my regular confirmation and receipt via email from Home Loan Serv company. Home loan Serv is still alleging that i did not make my payments even after i have sent them multiple letters and proof ( via certified mail # XXXX, # XXXX and # XXXX ) - stating otherwise and now they are charging me extra fees and have blocked my account so i can not continue to make my payments, causing me stress and they continue to report negative things to credit reporting agencies. I have told them to stop reporting all my information to all third parties but they continue to do so and refuse to rectify this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: MS
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, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect addresses reported on my credit report, such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My correct address is XXXX XXXX  XXXX XXXX, XXXX XXXX. 
Below are the accounts : XXXX XXXX- {$200.00}. Ashro- {$210.00}. XXXX XXXX- {$280.00}. XXXX XXXX- {$1800.00}. XXXX XXXX- {$1900.00}. XXXXXXXX XXXX- {$4200.00}

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 2021-03-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was an XXXX XXXX XXXX XXXX customer but I closed the account in good standing in XX/XX/2010. Today I received a letter from EOS XXXX claiming I owe XXXX XXXX XXXX some {$140.00}, and If I pay by theXX/XX/XXXX, I only need to pay {$100.00}. I immediately called XXXX XXXX XXXX and they put me in touch with their collections department who found nothing with regards to my account. Infact the only information they have is account being closed. This is very disconcerting as EOS XXXX is making a false claim for a debt that is not owed. I am writing this request to bring to your attention the fraudulent practices of EOS XXXX which I have read on the XXXX XXXX XXXX community forum as well as many a people have been scammed by them. Here is the link. 

XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: NJ
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:
N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-11
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: JPMORGAN CHASE & CO.
State: NY
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 having A Problem With XXXX Credit Report Agency With Something About Chase Showing On My XXXX Consumer Report please help me with this problem Chase Bank Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My XXXX   Report Please Help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX is attempting a short sale with PHH. Over the past few months XXXX XXXX has been calling in to get a status on the short sale. The seller is deceased and the correct executor documents have been send to PHH and reviewed and accepted. The file was reviewed for a loan modification and denied XXXX. When XXXX XXXX called in XXXX, XXXX XXXX was told the short sale was initiated and the appraisal was ordered. XXXX, PHH said the short sale has not been initiated and the appraisal has not been ordered. The manager said he will initiate the short sale and order the appraisal. XXXX PHH said the file has not been reviewed for a loan modification yet and needs to be reviewed for a loan modification, the manager got on the phone and apologized as XXXX XXXX was given the wrong information again and the short sale will be opened for review and the appraisal will be ordered. XXXX. PHH said the short sale has not been initiated yet, but has been escalated and the appraisal will be ordered. XXXX PHH said the file has to be reviewed for a modification and can not be reviewed for a short sale until the file has been reviewed for a loan modification, the manager XXXX XXXX ID # XXXX said the file has not bee opened for a short sale and she will escalate the file to be opened for a short sale and for XXXX XXXX to call back in 2 days. XXXX PHH said they don't have the executor documents and can not move forward with the loan modification until they have the correct executor documents. The manager XXXX ID # XXXX said that he doesn't have the executor documents that were sent in XXXX and XXXX. He looked into the file and he does see that PHH has the executor documents. He said the file will be opened for a short sale and the appraisal will be ordered. XXXX XXXX has been told that multiple times over the past 4 weeks from multiple managers. Can someone please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Nelnet, Inc.
State: NY
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 given graduate loans from XX/XX/XXXX-XX/XX/XXXX for approximately {$160000.00}. Over this time approximately {$20000.00} worth of interest accrued on these loans. These loans were by manged by nelnet. 

After completing my graduate program, I was enrolled in a residency program for 2 years. I had done some research and understood that there is a 6 month grace period after which interest is capitalized. Deferment of loans would extend this grace period and thus interest would not be capitalized. Thus my game plan became to pay down as much of the accrued interest during my residency years so that after the deferment period was over there would be less interest to capitalize thus saving me money. 

I called up my various loan companies and reviewed the matter with them. My Health Professional loans simply told me that I needed to submit a form that I was in residency, have it approved by my program and the repayment status would be deferred until I finish my residency program. This process worked flawlessly with tem. 

However, the same is not true with nelnet. I called nelnet with the same request and spoke to many representatives and supervisors. Many didn't understand what a residency program is and sent me various forms. They sent deferment forms and when I filled it out told me it was the wrong form. I explained that my goal was to pay down as much of the interest before it capitalized, but they didn't understand. The interest capitalized and my game plan did not come through fruition. At one point one of the representatives put an administrative forbearance on my account as she thought I was complaining about not being able to make payments. This in turn triggered ANOTHER occurrence where the accrued interest capitalized. Overall I ended up owing more than should have been because I was not given the proper guidance by the nelnet team. 

After my residency program I worked hard to refinance these loans. I did refinance a large portion of my loans held by nelnet. I did not like the service or information I was given by them. They misled me in many ways, and did not take the time to fully understand the situation. records will show that I called them multiple times from XX/XX/XXXX-XX/XX/XXXX. I have emails of all the forms that they requested as were sent and then rejected by nelnet from the same period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2018, I received a notice from CBM Services , Inc. stating that I owed an outstanding debt to one of their clients. I sent a debt validation letter requesting them to provide me with all documents pertaining to said debt and their authority to collect it. CBM Services , Inc. failed to comply with my request, which is protected under the Fair Debt Collection Practices Act. CBM contacted me again, by phone and by mail, insisting that I pay off the collection amount without verification. I sent a certified letter to them explaining that they had not validated the debt and to cease any further contact with me. The day that they received my request, they called me. They have continued to call and send letters despite my written request for them to stop. They also have never been able to validate the debt they claim to be collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-04-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2019 after many years as a loyal customer I paid off the remaining balance on my home depot credit store credit card my line of credit was $ XXXX.to my dismay they days later reduced my line of credit to {$500.00}. Dramatically affected my fico score and damage my good name without any form of explaining to me why only after I called they e mail me a letter, along with another creditor I file a former complaints against home depot started a chain of negative information against me although I never paid late never used the line of credit over 20 % off their credit line given to me I truly feel discriminate and clearly while they decrease my line of credit another creditor raised it how can they explained that.

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 2018-12-14
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinance home in XX/XX/2018 and pending escrow overpayments from previous mortgage lender. Payments released in 2 payments per lender, but larger payment in amount {$520.00} continues to be withheld by lender for no valid reason. I have made multiple calls regarding payment and advised each time that payment should be received in 7-10 business days. Calls made beginning XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Still being informed by agents that check will be issued I will receive in 7-10 business days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Travelex NY, Inc.
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:
XXXX is the complaint submitted by me and the company is avoiding giving the answer or refund While on a trip to meet my daughter in USA I had no cash as I had a prepaid XXXX card I tried to withdraw XXXX XXXX from the XXXX Airport on my way back to XXXX and the ATM of Travelex no TX XXXX did not dispense the cash but deducted the cash from my account and further charged XXXX XXXX which was fradulent I lodged a complaint XXXX with the call center and also raised the dispute with my Bank and Travelex is refusing to refund the money or respond Please help as it is keeping the issue open for more than a year now

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
I have been a victim of identity theft

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 2020-07-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear Sir/Ma, To whom it may concern, I am filing this complaint about Chase bank, They restricted my account on XX/XX/20 and debited my account on XX/XX/20 with the sum of {$8400.00}. due to the check that i received from a customer. the check was never cleared, in addition to unavailable fund, Chase debited the aforementioned amount from my account and refused to release my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Social Finance, Inc.
State: MN
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on the proof of payment history and any documentation that this account belongs to me. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the account that still erroneously reporting on my credit report : SOFI XXXX Date opened XX/XX/2018 Balance-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in 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 2019-04-10
Company: DISCOVER BANK
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:
Discover bank has denied to review My Civil Complaint with supporting documents. Discover bank has refused to supply me with the contact info for their legal department to serve them a Civil Complaint being filed with the clerk of courts. Various attempts requesting this information and also sending the Civil Complaint to their Utah headquarters has been ignored. My civil action is for the bank allowing {$5900.00} to be stolen from my account without noticing the very unusual activity for my account. Bank has denied the claim and ignore my Civil Suit with supporting documents. Discover Bank seems to think they are above the law. I have the tracking info and signature that my complaint was received in Utah office. I will use this to present to the Judge to help support Discover ignores civil actions as if they are nothing.

Company response to consumer: Closed with explanation