BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The car was sold by the bank and the account is a charge off now, I never got the notices from the bank for how much they sold the car, Please send me the documentation to verify that information otherwise delete accoutn from my credit repor XXXX XXXX  Account Number : 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 2018-11-19
Company: AES/PHEAA
State: WI
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 called in to ensure my XXXX Grant was converted to a loan. However, after it was finally converted, my payment plan for my federal loans was somehow changed to a standard 10-year rather than the extended I had it on. I called in again to have my payment plan fixed back to the extended plan and was assured that would be taken care of. I also requested an investigation be taken to find how my loan plan was changed without my authorization. I was later informed that it was automatically triggered by my conversion of the XXXX Grant -- although I had to call again to obtain this information as XXXX did not supply it as requested. I also requested that my XXXX Grants be scheduled for payment rather than staying in the grace period. I was assured that was also taken care of and placed on a 10-year repayment plan. This was per my phone call with XXXX ( emp. ID XXXX ) on XX/XX/XXXX. I requested my XXXX   Grant start getting paid down around 19 minutes into my phone call. 

However, I decided to double-check this around XX/XX/XXXX. My automatic payment plans were removed and I was placed on an administrative forbearance due to an error on XXXX ' part.The XXXX   Grant was also still in grace and no payments have been scheduled to be withdrawn for that balance either. I sent written notice of these errors before XX/XX/XXXX. 

After calling back on XX/XX/XXXX and XX/XX/XXXX, I was informed that I had been misinformed about being able to have my XXXX  Grants put on an automatic payment until the grace period was over. 

A letter mailed XX/XX/2018 also shows that after paying off two of my loans, my payment plan was again changed without my authorization. Rather than staying on my extended repayment plan, my loans were automatically placed back on the standard repayment plan once again. 

My complaint deals with the ethics of XXXX and how they are managing my account, especially in conjunction with how their mishandling may be costing me more money in interest. I should not have to call in every time to change my payment back. The many hours are a waste of my time when they are making money off of me. My complaint also deals with their unauthorized changing of my payment plan without permission and their response that there is nothing they can do about it because it is automatically generated by their system. The reality is that it is an unethical practice -- especially when I had been previously informed that when I paid off a loan, the current loan payments would be deducted from my current plan and I would be paying LESS, not MORE than my current amount. That was a lie, as my plan was not changed to accommodate the two fewer loans I had paid off ; the loan plan itself was changed to a completely different plan and I had been given faulty information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I had a customer that had me perform service work on his personal ski boat but after completion he could not pay his bill so I held onto his boat until he could come up with the needed funds. He wanted to sell his boat because he needed the money for personal reasons, he said he had it sold and wanted me to release it to him saying that he would pay me after the sale, I know this guy could not be trusted. On the XX/XX/XXXX he brought me a cashiers check in the amount owed ( {$3200.00} ) I then  released the boat to him, he sold it that day Friday XX/XX/XXXX. I cashed the cashiers check on Tuesday XX/XX/XXXX at my personal bank, the bank put a hold on my account until the check was to clear, two days later I find out the the check had a stop payment put on it that past Monday morning. At that time the total funds were removed from my personal checking account. I have read that it is impossible to stop payment on a cashiers check but according to Chase Bank it is a common thing and a cashiers check is no better than a personal check. My trust in the cashiers check funds is the only reason I released the boat, now I 'm out the money and my only recourse is to take him to court but even with a judgement in my favor I will be lucky to collect the funds plus the lost time and money to do so. I think Chase Bank should be held responsible for my loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On today approximately at XXXX XXXX. My capital one credit card was declined at the XXXX XXXX XXXX for less roughly {$10.00}. I used my XXXX instead. After being EMBARESSED, I pulled over and called Capital one. I was informed i needed to speak to the fraud dept. I spoke to a rep. that I later transferred me to a Supervisor upon my request. the supervisor XXXX employee number XXXX who informed me that i would need to collect government issued IDs and social security cards from all of the newly added authorized users and the authorized users that was already added and had not been previously asked for any of this information. I then requested to have them removed as I can not control if each person would give me both DL and SS card ( copies ) My son whom is a student does not have a government issued ID and I have no plans on doing such at this time would also need those items.. WITHOUT each person providing their info my card would be RESTRICTED. I have never been late and have had my card for several years. I am floored as, my son uses his card and i could have been out of town on business. If I had what would have happened. I did not receive an email or a phone call from the fraud dept. In times before they send emails to confirm purchases and ensure quality and consumer protection ... This is not quality or consumer protection. I ordered the cards and they are being sent to my secure address and it is the address that was on file. I read and called to ask for authorized user guidelines and limitations and was never told that requesting a certain means you have to PROVE certain things and IT will lock your card if all parties are not comfortable with sending over information.. 

I believe in Policy and Procedure.. I do not believe in XXXX gestures. These above actions should have fix actions, of Capital One client retention. I would like capital one to understand some people will provide me with their information and others do not feel comfortable sending those XXXXwo piece of VERY SENSITIVE information. As the PRIMARY account holder I am responsible for the account and the charges.. I can not make them want to send over that information ... which  ultimately will have me paying my card off and closing my account. I have several cards with Capital One and all in exceptional standing.. I also am an authorized user on a family members card and I was NEVER asked for PHOTO ID AND SS .... THIS IS A FORM OF DISCRIMINATION. I was also told this was FEDERALLY mandated to ask for the ID AND SS .... i have read disclosured and printed them from Capital and the Federal Government and could not find such law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: KEYCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I contacted KeyBank regarding fees on my checking account that caused my account to go negative and thus causing an overdraft fee. In an effort to just move on from Key, I took care of the negative balances and fees and closed both checking accounts and my Key credit card. The credit card was showing closed online a few hours later. I thought all was well until XX/XX/XXXX when I logged into my accounts to make sure everything was properly closed. At that time, I noticed that my card was no longer showing closed and there was a {$.00} charge on my credit card. On that same day, I received a letter in the mail from Key stating that the account had been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter to Transunion signed and post dated XXXX requesting that Transunion investigate and remove three ( 3 ) inaccurate items reporting negatively on my Transunion Credit report. Within this correspondence I cited the Fair Credit Reporting Act, Section 607, requesting that they ensure maximum accuracy of the information contained in my credit report. 
As of XXXX I had not received any acknowledgment or update on my dispute and the inaccurate negative items remain on my credit profile. On the aforementioned date I also sign and mailed an additional letter post dated XX/XX/2020, requesting the validation of the debt listed on my credit report Under the Fair Debt Collections Practices Act ( FDCPA ). In this correspondence I too noted that Transunion had not completed an investigation within the 30-day time frame as required by law and demanded that they delete all disputed items from my credit 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 2020-04-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2019-06-26
Company: EQUIFAX, 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:
Equifax is reporting 120 past due on the USDEPTOFED partial account number XXXX. ( Please see page 12 of the attached credit report. ) This account has not been updated in well over ( 6 ) months. Please update this  account to report accurate information. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: BRite Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi bank had sent me a notice via email on XX/XX/XXXX stating in 10 business days they would refund the unauthorized transactions. As of today when. I spoke to their fraud dept they told me they could no longer tell me when I woukd get the refund and they apologized for not honoring the XX/XX/XXXX notice but could not tell me any time references when this would happen. This has been ongoing issue since. XX/XX/XXXX XX/XX/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 2018-11-19
Company: ProCollect, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Procollect has damaged my credit reports and violated my rights. Attempting to collect an unfair debt, also not having a valid license to collect debt in the state of Connecticut. I have complained to my Attorney General, and A Procollect representative responded by saying that my account information and social security number has been mixed up with someone elses. Due to the inconvenience that I have been receiving for months, I want Procollect to send XXXX and XXXX written documentation that they will no longer be collecting on this debt! My credit reports have suffered, and it is a defamation of my character. I have attached an email Between my CT Attorney General and the Procollect representative. Procollect owes it to me to send documentation to the credit bureaus to have this debt removed immediately!!

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 2021-10-19
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I had an mortgage with Wells Fargo Home Mortgage. We have had an account over 20 years. We have had several problems over the years, repeated problems, several disputes never really resolved, the most recent issue is Wells Fargo apparently wanted to start a foreclosure against my husband and myself on XX/XX/ and it was suspended due to bankruptcy filing by myself XX/XX/. It was never removed from that suspended status over the past six years even though it was not warranted over the past six years. Moving forward, they were paid all arrears and I have been discharged, not to mention have paid the home off. they have reported to all credit bureaus that this is a paid foreclosure. This is false and incorrectly a status and is causing immediate undue hardship on myself and my husband and it is preventing us from purchasing a new home. I reported while in my bankruptcy that they were reporting the account as closed which again one of the many disputes inaddition to misapplied payments. This needs to be corrected immediately. I have been on hold transferred and no resolution in site. Promises to return call etc.

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 2019-06-26
Company: EQUIFAX, INC.
State: GA
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:
I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted XXXX with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: AES/PHEAA
State: FL
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:
Hello. My complaint is regarding fed loan servicing and my public service loan forgiveness tracking progress. 

29 months ago, fed loan servicing advised me that two loans were not consolidated into my PSLF repayment plan. I was assured the first time I did this about 6-7 years ago that all loans were consolidated. All my loans have about 59-61 PSLF eligible payments, while 2 loans only have 29 because of this. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} Remaining/ Disbursed on XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX {$41000.00} Remaining/ Disbursed on XX/XX/2016 I felt mislead and cheated. In my ways, I was starting my PSLF payments from scratch after those two were added. 

I know the Department of Education is reviewing all PSLF plans to help ensure accurate and correct any issues due to poor servicer assistance. I just don't want to be left out and want to see these two loans that weren't consolidated the first time and brought up in payments to be equal to my other loans and progress updated. I was already notified that an initial review discovered a qualify for more eligible payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: GA
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:
I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted SLS with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.

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 2020-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
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:
Bank of America Credit card disputed amount. XXXX included a {$30.00} haul away fee in the purchase of a Dishwasher which I charged on my BofA card on XX/XX/XXXX from XXXX 's # XXXX {$530.00}. XXXX 's delivered the dishwasher but did not provide the installation or the haul away service of {$30.00}. I called the store and the number provided by BofA. On three seperate calls, store employees promised the {$30.00} credit. The credit did not show up. After 30 days I went to the BofA website to dispute the amount. I was unable to figure out how to dispute part of the charge. I noted on the website disputed amount of {$30.00}. BofA credited me the total {$530.00}. I called BofA number provided on XX/XX/XXXX, waited for over 35 minutes, talked to XXXX who said she could not help me. She transferred me to a supervisor who she said could help me. She transferred me to a XXXX  language queue that kept me on hold. I hung up. 

I received a letter from BofA dated XX/XX/XXXX confirming the credit for the full amount. I wrote back to BofA to say I only want a {$30.00} credit. I'm waiting for their reply. 

Why is this so hard. No phone response that works, no email access. Why do I need to write a letter to correct XXXX 's and Bank of America 's mistakes. Boo on them.

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