BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir/Madam : Hi! 
I want to complain about my quick pay service with the chase. On XX/XX/2018, I made three quick pay payments to my friend ( {$150.00}, {$25.00}, {$1000.00} ). The quick pay normally is instant but these are on hold for some time. I got a call from chase to verify the payments and I thought it was done. Three days later, my friend told me that he did not get the payment at all and he already changed his linked account on the quick pay phone number. I have to send him a check with other checking accounts. I called chase and they told me the fund will be reversed in a few days. But I never get a refund. I have to escalate to several levels and even to their executive service for that. Till now, they refused to refund the money back and told me there is nothing they can do about it. 
I have to escalate this to you and hopefully, this could be resolved. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Navient Solutions, LLC.
State: NY
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 had a student loan out with Navient and I called them to discuss being a teacher for a non profit organization about 7 years ago. They told me I would qualify for the Non profit forgiveness loan but I have wait 6 years and then {$8000.00} would be forgiven. I called them multiple times to follow-up and they gave me the same information ( phone calls are on record ). After 6 years I called and they told me we needed you to sign a form, you have to wait another 6 years now. A form was NEVER mentioned prior, I obviously would have done it, I even made follow-up phone calls to ensure I received the forgiveness, and I was never made aware of having to sign something. When I was obviously upset on the phone, the enployee told me Navient had been cheating their customers for a long time, it was announced 2 days prior to my call, and I should join the class action lawsuit. The lawsuit seems to be about late payments, which I wouldnt qualify for. I need help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged with the 3 CRA 's. Asking for the information to be Early Exclusion. XXXX removed it from my credit report last year and here 's the Company 's Response Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 
We have reviewed and considered the information, including the four attachments, you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicate that there is a bankruptcy on your report as a result of fraud. You stated that you have asked how the bankruptcy was verified and have gotten no answer. You stated that the court does not verify any information. You would like the account deleted from your report. Per your request to conduct an investigation, we contacted the public record vendor to verify the accuracy of the information with which you disagree. The bankruptcy has been deleted as a result of our processing of your disputes. A summary of your results was forwarded to you on 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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 more than 60 days waiting for a response from the credit bureaus, because I have negative accounts that should not be on my credit report and inquiries that I did not authorize. I waited too long for the credit bureaus ' response.

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 2017-12-05
Company: EQUIFAX, INC.
State: MS
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 disputed a hard enquiry that was on my credit report ( Equifax, XXXX ), and I received a letter from XXXX XXXX saying that they had ask for the removal of the hard enquiry as the hard enquiry was made for TV service that I didn not authorize, but as of todays date, XX/XX/XXXX, it is still showing on my credit reports. I have a letter from XXXX XXXX that says they submitted the request back on XX/XX/XXXX. I am a victim of the data breach ( equifax ), back XXXX, 2017. I have a security freeze on my report. I want the credit bureau to honor the request to " REMOVE THE HARD ENQUIRY FROM THE CREDIT REPORTS AS IT LOWERS MY FICO SCORE ''. I DID NOT AUTHORIZE THE HARD ENQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX I purchased a car XXXX and was charged of showing a date of last activity of XX/XX/XXXX with XXXX. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with XXXX with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. 

I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. 

I have attached the two credit reports one showing the XXXX account and the other one showing it removed after I disputed it wtih XXXX XXXX collection.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX   XXXX {$4600.00} XXXX XXXX  XXXX {$270.00}

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 2021-09-08
Company: TD BANK US HOLDING COMPANY
State: AR
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:
I recently contacted Target Credit Department to discuss my account ending in XXXX. It showed a charge off account in the amount of {$980.00}. I didn't know that an account that has been claimed as a loss was supposed to still have a balance. The customer service agent told me I could settle the account for {$320.00} and it would be off my credit. 

XX/XX/XXXX, my credit report shows Target updated my account with a balance owed of {$660.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in XX/XX/2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 US SM BUS ADMIN ODAXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: OH
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:
I am filing a dispute to have the current status updated on my U.S.DEPT OF EDUCATION LOAN properly reflecting I would pray the the credit bureaus cease reporting of the incorrect information IMMEDIATELY.and I have attached the most recent paperwork showing the program that I am in my deferment status please remove/delete the late collections status immediately. I am closing on my home and this matter has in fact been resolved with the United States Dept of Education. US DEPT OF ED/XXXX/XXXX # XXXX, U S DEPT OF EDXXXX # XXXX, U S DEPT OF EDXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened a savings account with Citibank early 2021. On my bank statement, it shows 2 accounts. Not sure who owns the other account. But I can see its balance and all transaction details. It bothers me tremendously to image someone else might have the same access to my account info. 

Called Citi, they routed to IT department, and no one ever answered. Called again told them this is a serious confidentiality violation. The representative just told me he knows nothing and transferred me to IT department again, where I waited 20mins. No one ever answered the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My first name & last 2 numbers on my SSN have been wrongly entered in Equifax system. Two other credit bureaus ( XXXX & XXXX ) DO NOT show this wrong information. Ive been trying to get them to fix it for the past four months since XX/XX/2019 but every time I called, someone says the same thing, we need documentations. The proof of his name & SSN were sent multiple times. But no action were taken by Equifax. Every staff seems to not know what is going on as there are no note taken & they dont know what previous staff do. Im unable to obtain a mortgage loan bc of this information. It is unfair for me that they have the incorrect information but not willing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought my house in XXXX back in XX/XX/2018 we had XXXX XXXX with our previous house so we decided to transfer our service with our new house. However XXXX XXXX could not get service to work in our guest house and refused to acknowledge the problem I became annoyed and cancelled my service. Within a few days of getting my service turned on with XXXX XXXX. I tried XXXX and was not thrilled with their Data usage so I decided to give XXXX XXXX another try and they told me they would fix the problem with my guest house. However the day XXXX XXXX was due to set up service the Tech called me and he was at the wrong address. A couple streets over there is also a XXXX XXXX XXXX XXXX but we live on XXXX XXXX XXXX XXXX Due to the  way XXXX XXXX is they said they could not fix the address issue without cancelling service first and they would not be able to turn service on for at least two weeks. This was not a feasible option for us as my daughter needed the internet for college. So I cancelled with XXXX XXXX and ultimately decided to go with XXXX again. At this point I did not have any outstanding bill with XXXX XXXX. 
I received a call a while back from XXXX XXXX and the man on the phone stated I owed XXXX XXXX money it was around {$100.00}. I told him I absolutely did not owe any money to XXXX XXXX and I have my bank statements to show it, he looked at something and then said oh yeah I see the mistake Ill correct it. From my understanding XXXX XXXX corrected the error that I had an outstanding bill. I also can not find the account number that this Radius XXXX is claiming I had through XXXX XXXX. Attached are all the account numbers I could of possible had with XXXX XXXX from my previous house and the times I cancelled and set up service. Of note I also never received a bill from XXXX XXXX with the account number they are claiming I owe. Please look into this as I take my credit very seriously and do not appreciate a big company such as XXXX XXXX coming up with a bill out of the blue and sending it to collections. See the attached receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.

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 2018-04-11
Company: Nelnet, 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: Account status incorrect

Complaint:
I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and Nelnet said I haven't paid the account in months. After speaking to various people at Nelnet I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge Nelnet reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called Nelnet and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the Nelnet 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to Nelnet 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 

Company name : XXXX XXXX XXXX, a division of XXXX, XXXX XXXX XXXX XXXX XXXX, FL 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 2021-05-22
Company: Byrider Franchising, LLC
State: OH
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:
XXXX XXXX XXXX paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX CNAC is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX XXXX I sent a dispute letter to Equifax certified mail asking them to send documentation and proof of debts belonging to me. Equifax received my certified letter on XXXX XXXX at XXXX after receiving my letter they provided no response and no proof of debts belonging to me. It is now XXXX XXXX, 2015 and the debts are still unverified and have still not been removed for my credit files. Under section XXXX ( a ) ( XXXX ) ( A ) ( I ) they have not provided me with documentation of accuracy of the disputed accounts and all items should be removed immediately. I am asking that they honor FCRA 15 U.S.C. 168li, and remove all unverified account immediately other wise they a continuing to report unverified debts on my credit reports. Attached I provided the dispute letter I sent and the certified tracking card from USPS tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Credit Bureau of Lancaster County, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you have provided is woefully deficient and fails to establish that this is a valid item. 

First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Consumer Financial Protection Bureau, Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation