BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 explanation
Consumer complaint received 2019-02-25
Company: CCS Financial Services, Inc.
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:
Account was investigated by XXXX and determined the account was closed and to be removed from credit report. Credit Collection Services still report account on report effect XX/XX/19 as having an open account with a {$270.00} balance. I contacted Credit Collection who informed me that there was an error and account was being removed.

Account still appearing on report and should have never been report on credit report. Credit Collection and XXXX has caused a hardship on my closing for a home and decrease my credit score. Credit Collection stated it will take 30-60 to correct their mistake. I request for a letter to submit to loan office and they are unable to do so. Causing me to seek additional housing before closing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Navient Solutions, LLC.
State: PA
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:
I paid Navient the monthly payment of {$51.00}. I called them and made the payment on XX/XX/22. When I called, I spoke with a rep, and asked them if I could change the payment date to the SEVENTEENTH ( 17TH ) of each month, as the original payment date of the 2nd, kept falling on or near the weekends. The rep asked me what date I would like to switch the payment date to, and I said, I would like the payment date changed to the 17th of each month. 

The rep and I confirmed that the new payment date is on the 17th and this is verified via the recorded conversation. So imagine my surprise, when Navient disregarded these changes and called my phone several times TODAY. 

Speaking with another rep today, the rep CONFIRMED that the date was changed ( this is confirmed via recording as well. ) Now Navient is saying that the rep didn't put the date in, and the only thing that they can do is have me make a payment TODAY ( Not in the agreement ) to bring my account current, and then they would see if they can change the payment date to the 17th starting NEXT MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
0n XX/XX/2019, I received via mail a demand letter requesting I pay almost {$7000.00} in medical bills for the treatment of my XXXX XXXX XXXX son who was in a traffic accident. I have no idea where this came from as my son 's insurance is under his mother ( my ex wife ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX 2016, two ( 2 ) unauthorised transactions for XXXX XXXX XXXX appeared on my Wells Fargo Monthly Statements. I disputed them at the XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX County, FDIC Cert : XXXX. I was given a provisional credit on my XX/XX/XXXX 2016 for only {$39.00} ( not the {$6.00} transaction ) and a letter sent stating a provisional credit had been made. No mention on of the $ 6.+ unauthrorised " swipe to pay '' app transaction -- -which my phone is n't capable of doing -- was ever made. The provisional credit was shown on the XX/XX/XXXX 2016 as provisional credit. Meanwhile, XXXX XXXX XXXX continued to accrue interest and add applicaple " payments ''. ( see attached for all three documents ) By XX/XX/XXXX 's Wells Fargo statment 2016, there was no mention of anything being made permanent, Wells Fargo was in a heap of trouble globablly and I was locked out of my online account and XXXX branch said they could do nothing. I stopped my direct deposit and left enough in the account to avoid banking fees. ( see attached ) XX/XX/XXXX 2016, I deposited {$4500.00} and spoke with Services Manager, XXXX XXXX XXXX XXXX who unlocked my online account ( short term and I noticed numerous errors in physical address, phone and account numbersbut that is another issue ), escalated the {$39.00} provisional credit and inquired as to why the {$6.00} never had been file as fraud. Another escalated ticket was issued. ( see attached ) The XXXX XXXX XXXX account as of XX/XX/XXXX 2016 was {$1000.00}. ( see attached ) Nothing has been done by Wells Fargo. No supporting documents substantiating why they refututed the swipe to pay app as unautorized, no finalised credit for the {$39.00} and {$6.00} made at the same time. XXXX XXXX XXXX has submitted it to XXXX XXXX XXXX and it is on my credit report as adverse credit reflection. ( See attached )

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 2019-10-16
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this complaint due to the non-compliance of XXXX credit reporting agency to remove an account that does not exist. they have failed to remove information being falsely reported SYNCB/AMAZON PLCC, XXXX XXXX, XXXX Fl.XXXX ( XXXX ) XXXX I do not have and never had an account with this company. I have placed several calls to this co. requesting they remove this inaccurate reporting. when I call they have no record of any account number associated with my name. I have never applied for an account. 
On XX/XX/19 I talked to a service rep named XXXX. XXXX started a fraud file that would take 30 days to complete. On XX/XX/19 30 days latter, I talked to another rep. named XXXX, she said it takes 60 days to complete the investigation. On XX/XX/19 I requested a supervisor named XXXX, she said she needed to start a new file, and does not know how long it will take.iam asking CFPB to please investigate this matter, help me to remove this bogus inquiry and provide me with an updated XXXX credit report. thank you

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 2020-04-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I currently have a Capital One Platinum Card which has a {$59.00} annual fee. I rarely use this card and would have liked to downgrade to a basic card ( e.g. XXXX or XXXX ) which does not have an annual fee. I did not want to close the account to adversely impact my credit. However, Capital One said that I was unable to switch to a no-fee credit card product. So I had no choice to cancel the Capital One Platinum Card to avoid paying the {$59.00} fee. [ NOTE : I was involuntarily upgraded to this fee-based product a few years ago, I kept it because I did n't want to hurt my credit, however I can no longer justify a {$59.00} fee for a product a rarely use ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent certified letters to all 3 credit bureaus, XXXX, Experian and XXXX about these accounts they are reporting inaccurately on my credit report. They previously " investigated '' my disputes on these accounts and say that they found they we're mine & we're being reported accurately. I asked in the certified letter for them to send me any and all methods of verification to prove that these accounts are mine and accurate as they say they are or my credit report. Including a signed contract in ink with my signature and legal forms of my identification. I have not received a correct response from either of these credit bureaus in the time frame allowed. They did not send me methods of verification at all. XXXX XXXX claimed they just reinvestigated, the same as before and sent me the same exact investigation report from the prior dispute. XXXX & Experian have not responded at all to my certified request. It has been long passed 30 days. The accounts are XXXX XXXX XXXX credit card & XXXX Visa Credit card.

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 2019-10-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. 
With all these data breaches Im not sure what to do

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 2019-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The credit card company ( Capital One ) closed this account as I requested. The company had a data breach in XX/XX/2019 which impacted the services they provided on this account. 

Now I receive a message from the credit card company telling me that a payment is past due on this account and they are expecting payment. 

How can they do this when the account is closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Chase bank customer for over 6 years and recently had a few XXXX payments get reversed due to friendly fraud by a person I had a business relationship with. I am an active user of XXXX and have hundreds of transactions but after two of those transactions were disputed they have chosen to freeze my account for an undetermined amount of time. 

The total amount disputed was for around {$300.00} but my account had a balance higher than that. I do not believe its fair for me to have my other funds tied up for a long time for something that was not my fault. In addition, this freeze of my account has caused me to not be able to pay the credit card with Chase. They will not allow me to use the funds in my account in excess of the disputed amount to payoff the credit card. They will also not stop charging interest while my account is frozen. I can not even pay off the credit card because I can not access the online account. When I try to log on it just says my account has been suspended. 

If I had no other resources this would be an extremely inconvenient situation. It makes no sense to deny me access to funds that are entirely unrelated to the account suspension. On top of it, before i realized my account was suspended I deposited {$2000.00} at a branch. They took my money and when I went to go pay my credit card bill they told me the account was frozen and I could not have the money back. 

Please advise on what I should do to regain access to my money. I hope I don't have to pay any penalties on the credit card due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: CITIBANK, N.A.
State: OH
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:
Macy claim I miss three payment and took my limit down from {$300.00} to {$100.00} after I paid most of the payment it cause my credit to go down 41points.

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 2019-10-04
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2019, I spoke with Credit Acceptance twice regarding my missing car payments XX/XX/2019 thru XX/XX/2019 on all 3 credit reports. They refuse to fix problem they created and violated Federal laws.

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 2020-09-15
Company: Ditech Financial LLC
State: TX
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: Information is incorrect

Complaint:
My name is XXXX XXXX my loan number is XXXX and the property address is XXXX  XXXX XXXX XXXX, XXXX, PA XXXX. My loan was foreclosed while it was with Ditech in XX/XX/2017but the IRS says Ditech did not report the mortgage to the IRS. I need the XX/XX/2017 1098 mortgage interest statement but XXXX and Shellpoint say they can not see the info from Ditech since the loan was not active when they took over the portfolio. 

I'm requesting your assistance in obtaining my XX/XX/2017 mortgage interest statement from Ditech so that I may resove the issue they have caused for me with the IRS since they ( Ditech ) failed to report the mortgage to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I co-signed a Mortgage Note with XXXX XXXX for a home at XXXX XXXX  XXXX XXXX, XXXX XXXX   FL, XXXX. 
After some time, in XXXX XXXX, we agreed that I release interest in the property and signed a Quit Claim deed specifying her as the sole name on title. In XX/XX/XXXX XXXX XXXX Applied for a Loan Modification claiming she was experiencing financial hardship. The Loan modification was granted and my name was included on the Modification agreement. I did not sign the agreement, and was against granting the agreement as I was not in financial hardship. I wrote XXXX XXXX at the time to inform them of my disagreement but the LM was granted anyway, with my name still on the Note. I have requested my name be removed from the LM as I was a victim of Identity theft, as XXXX fraudulently supplied XXXX with financial information about me that was false. I have reported this to the appropriate Police agency and Identitytheft.gov. XXXX subsequently sold the Note to Select Portfolio Services. They were informed of the identity theft but refuse to remove my name from the Note. As an aside, all three Credit bureaus have removed the Loan from my credit report. I still feel subject to XXXX failing to keep account of the note and damaging my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is a formal notice that you have failed to respond in a timely manner to my dispute letter concerning the accuracy of what you have on my credit report. Under the FCRA 15 USC 168i ( 5 ) ( A ), you have 30 to  respond to my request for verification of the erroneous items. Your negligence has cause me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per 15 USC 168i6Biii, nor complied within the statutory period, I assume that you have not been able to re verify the information I have disputed. Therefore, you must comply with the provision 15USC section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the items removed at theaddress stated, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance. '' Your credit bureau may be liable for : 1. actual damaged I sustained by your failure to delete items 2. punitive damages as the court may allow 3. costs of the court action, plus  attorney 's fees

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 2019-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX Chase bank allowed a debit of XXXX to internal revenue services in which a payment arrangement was going to be for XXXX XXXX and not XX/XX/2019. 
US Senator XXXX XXXX sent me a letter that l am going to share with Chase bank Rep on XXXX XXXX as a affordable payment should be implemented. 
Also, my Dad passed away recently and financially put a strain on me with funeral costs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( Transunion, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, 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 non-monetary relief
Consumer complaint received 2020-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
Account was closed and payment plan up and has been paid on time. Capital one still reported on my account as a charge off and is collecting a tax credit and payment from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in requests to investigate errors on my credit report over 30 days ago, but I have not yet received the response. They were supposed to respond within 30 days, but they have not.

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 2017-11-14
Company: World Acceptance Corporation
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 information incorrect

Complaint:
Report inaccurate information through XXXX and XXXX, had information removed from trans union. Account reporting past due after being closed for over a XXXX Never heard back from credit report agency in XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently applied for a car loan and discovered IC Systems place a delinquent debt on my credit report. I was never notified of any such debt. I didn't even even have a chance to have them validate the debt. They need to remove this from my credit report and then notify me by mail at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, OH XXXX. Then we can proceed from there.

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