BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX ; XXXX XXXX : XXXX 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 2023-05-19
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I signed up for an installment/credit boosting loan with SeedFI. I would receive a certain amount up front and the rest would be locked into a savings account with XXXX. 

On XX/XX/2022, Seedfi notified us that they were 'transferring '' our accounts to XXXX. XXXX is a collection agency who does predatory practices notably all over XXXX with terrible reviews on consumer websites. 

SeedFI sold out information and gave it to a company who harasses and has no real answers on the process. 

SeedFi also does not answer any further questions because they washed their hands after they sold all of our loans. It has been a nightmare dealing with XXXX. I have made payments with my proper checking account and they are reversing them. I want my account closed and my balance paid off and the difference sent to me as soon as possible. 

This complaint is against SEEDFI for violating my right to privacy and giving my information to a company that is not up to standard. 

The complaint is also against XXXX for their lack of good business practices. I want my account closed & paid off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: NY
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:
I XXXX XXXX ( XXXX ) aM a victim of identity theft. I already contacted the police, the creditors, and I filed a FTC REPORT # XXXX. I sent each credit reporting agency a statement letting them know that these accounts were fraudulent on XX/XX/2021, and they completely ignored my request and consumer rights. Please remove immediately under 15 USC 1681c-2. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of XXXX or more of the transactions that I am seeking to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bank of America : Statue of limitation has passed on the item in question.

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 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I like to file a dispute for unidentified fraudulent items on my credit report for the following : XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX and XXXX  XXXX  XXXX  XXXX  XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX. from my credit report. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

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 2019-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm submitting a complaint seeking protection of my personal Credit Scores, my Credit Report, my Privacy, my private financial situation enforced by the applicability of the federal laws to restrict UNFAIR, DECEPTIVE and ABUSIVE acts. 

Copy of a motion was forwarded to me by my Ex-Wife who has a foreclosure Dispute and is the only owner of the house in dispute. 

My Ex-wife notified me that : her Credit Report was compromised thru the foreclosure dispute, and that Her Credit Scores Decreased almost to the minimum. 

I dont want, the same situation to happen to me. 

Bank of America authorized Law Firm to publish in a Local Newspaper an EDICT including my name in a FORECLOUSURE DISPUTE, that : I am NOT A PARTICIPANT, I WAS MARRIED UNDER A MARRIAGE CONTRACT, ACTUALLY I'M DIVORCED, the address submitted to the court doesnt exist, and I didnt authorized the use of my personal information. 

That documents are clear and were revised by the Bank Agents and The Law Firm, prior to publishing my name in relation to a Foreclosure Dispute AND connecting it, TO An incorrect FINANCIAL PRIVATE INFORMATION DISCLOUSURE. 

The Financial Institution BOA thru LAW FIRM acted in detriment of my Human Right, my Intimacy, Private Financial disclosure, while exposed my personal Financial situation INCONSISTENT AND NOT REAL with the information thru the publication of an Edict in a local newspaper with my name included. 
with evidence : that when my name was published thru a local Puerto Rico newspaper, I was exposed to Public " mockery '', defamation etc., in which Privacy Rights were violated and are also, related and included in to the Federal Consumer Financial Laws. 

I'm submitting a complaint seeking the applicability and enforcement of the Federal Laws to Restrict Unfair, Deceptive and Abusive acts. " I'm not related to the Property and the Bank knows '' BECAUSE THAT ACTION AFECTS DIRECTLY MY CREDIT REPOR AND MY CREDIT SCORES.

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 2018-09-15
Company: Experian Information Solutions Inc.
State: CA
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've never given my written consent to share ANY of my information

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 2019-03-19
Company: Navient Solutions, LLC.
State: VA
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:
We applied for PSLF, student loan forgiveness, last year and were told we had the wrong type of loan. We were told that a consolidated direct loan would work, so in XX/XX/2018 we did that. Now, after spending way too much frustrating time teying to arrange PSLF, we are told it wont work for us. I feel very misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2019-04-22
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:
The credit bureaus are taking too long to complete my credit investigations. I submitted requests back on XX/XX/XXXX, and I have yet to receive my completed investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
In XX/XX/XXXX & XX/XX/2018 I requested removal of two American Express accounts which I was an authorized user only and not a responsible party. The accounts listing on both XXXX & XXXX were removed ; however, despite 2 requests, XXXX denies my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: DISCOVER BANK
State: IA
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:
XX/XX/2022, {$350.00}, marked missed payment on credit report, reported by XXXX  XXXX XXXX. 
XX/XX/2022, {$0.00}, marked missed payment on credit report, reported by credit card company. 
XX/XX/2022, {$55.00}, marked missed payment on credit report, reported by credit card company.

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. As well as 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b. A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a chance bank account it was denied because of a bad report they received from XXXX it was probably because key bank closed me an account because of a XXXX   check of a deposit XXXX $ that wasnt on my nam I didnt know that is a problem and i believe that this happeneing to everyone I dont know they making Big deal of that hope there is a way out because if not a dont know if its possible to leave in this world if for every XXXX  thing they gon na destroy my live

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Commenity bank - XXXX rewards card This company calls MULTIPLE times a day and if you block one number, they call from a different one. It is XXXX and I am already up to 6 calls from multiple different numbers all from them. This is absolutely ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15
Company: Navient Solutions, LLC.
State: MI
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:
Filed for an IBR on student loans through Navient back in XXXX payment increased over {$600.00} a month. Representative stated Navient had denied my IBR even though all other were approved and she would look into it. She comes back on the phone and states oh your approved I don't know what happened your new payment will be {$360.00} are you able to pay this. I stated what if I'm not, you can apply for the revised IBR. Payment is do in on XX/XX/XXXX. So Inquired about this revision affecting my forgiveness loan program she states it would not but we will have to give you a deferment for a month so your loan does not post late. This over the 3rd time that Navient has deployed tactics to increase our payments I believe illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$300.00} bonus if within 90 calendar days of account opening I received a total of {$1000.00} or more in qualifying electronic deposits to my new checking account. On Monday, XX/XX/2023, I reached that objective, and called Wells Fargo on XX/XX/2023 to inquire about when I would receive the {$300.00} bonus. The customer service rep I spoke to said I should receive the bonus at the start of XXXX, because I had to wait until the 90 days were up. So after waiting until XX/XX/XXXX I called customer service again, and was told the account bonus was denied, and that the representative thought it was weird because when looking at their qualifications I had clearly met them. He said he would submit a form and that I would hear back after two weeks. I called again on XX/XX/2023, and the representative said there was no sign of any form, and that I should wait until next week. After having continuously been put off, despite keeping my account in good standing, and reaching out all Wells Fargo has done is continuously giving me the run around, and not providing me with the information I requested, nor the bonus per our agreed contract.

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 2019-11-04
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is an apt quotation from XXXX : he that filches from me my good name robs me of that which not enriches him, and makes me poor indeed. I shutter to even imagine what damage the mess described below has already done to our good name, ' to say nothing about the many days spent trying to resolve the problem and countless hours of worry about it. 

The JPMorgan Chase mortgage in question ( # XXXX ) is on our second home in XXXX XXXX, New Mexico - purchased in XXXX. The mortgage payments have been made each month from XXXX XXXX XXXX ( XXXX ) Acc # XXXX xxxxxxx, frequently with significant additional payments to principal - probably paying the debt several years ahead. 
The problem began on XXXX XX/XX/XXXX and continues to this date ( XXXX XX/XX/XXXX ). During this period, I have often been out of town when the mortgage payment needed to be made. ( Remark- we are at an age when the terminal illness and death of friends and family are all too common ). Attempting to sign-in on the Chase website from my XXXX XXXX, I would receive a message that the 'Chase computer ' did not recognize my computer although that very same computer has been used exclusively to make the payments for several years. Since I was not at home to receive the code sent to my home phone, I resorted to phoning the banks customer service, eventually reaching someone who could process a mortgage payment by phone. 
In the following months, the payment was NOT credited to the account : XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX. In most cases I was able to provide Chase the confirmation number for the payment. In the following months, XXXX, XX/XX/XXXX the payment was made directly by XXXX, but the payment was REFUSED by Chase and the funds returned to our account. 
I made multiple efforts to resolve the problem from the time I discovered it - specifically making a double payment in XXXX and XX/XX/XXXX ; and sending a hand written check ( directly to XXXX XXXX, Chase CEO ) with a double payment in XX/XX/XXXX. 
On XXXX XX/XX/XXXX, we received hand delivered documents at our primary home in XXXX, OH that a foreclosure had been filed on XXXX XX/XX/XXXX at a court in XXXX XXXX. 
As the attached documents will show, the apparent problem with the phone payments was that the 'leading zero ' of our XXXX  account was omitted in the electronic transmission from Chase to XXXX. I can not suggest the reason for the recent two payments being " rejected. '' Both I and my husband are in our XXXX 's and this is a situation beyond humiliation to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The student loan company Navient refuses to work with me concerning my private student loans. After going back to school to get a credited degree, and having these loans deferred the loan has grown to a very large amount due to outrageously high-interest rates. Their only program available allows interest-only payments of {$2500.00} a month which I am unable to afford. When calling to discuss my repayment options, I was told several times they were unable to discuss any options with me because the loan was current. I was also told they would call me at the beginning of the month to assist in finding the lowest options because repayment plans change every month. Instead, no one called and when I did call at the beginning of the month I was told any repayment options applied today wouldn't apply until next month. Their practice and tackets are predatory, they are dishonest, unhelpful, and take advantage of the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have several family members that are managers for collection agencies. Once you the collection agency buy a debt from the original creditor its paid for. Southwest Credit please show me where I have a contract with you and really need to see my signature. I have sent you a certified letter on XX/XX/2021 needed proof of that contract. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I received an letter from Southwest on XX/XX/XXXX and 2 days later it was on all three credit report. This is horrible. How you going to put something on someone's credit and that consumer never had a signed contract with you. Please delete this now. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company response to consumer: Closed with explanation