BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX  is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I submitted a complaint not that long ago because Ive been having issues with making payments on my loans via Sallie Mae. Whomever I talked to on the phone last said just to pay whatever amount I could and I would receive a phone call from the company. My mother who is my co-signer received a letter saying I was last due and I only received an email stating the same thing. They will not work with me and this needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
On or around XX/XX/23 I was reviewing my TransUnion consumer report and apon inspection I noticed there was a unwarranted, no written or verbal instructions giving permission for this derogatory Inquiry to be on my TransUnion consumer report from XXXX XXXX XXXX XXXX. I have no open credit card or line of credit account with this Institution. My FCRA federal protected rights is being violated by this Inquiry being placed on my consumer report and TransUnion policy doesn't supercede federal law. So please Remove immediately before I start the litigation process.

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 2020-01-24
Company: AES/PHEAA
State: IN
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:
As of XX/XX/XXXX I have 8 AES/XXXX backed student loans placed in default even though I was currently enrolled in College as of XX/XX/XXXX. The loans should have subsequently gone into a deferment status due to my enrollment status of full time. I have tried to dispute these erroneous closed accounts through the credit bureaus with no success. I have included documentation from XXXX XXXX University showing my enrollment date and status, yet I still have these default loans on my credit report. I have been actively rehabbing the erroneously defaulted loans while I have been disputing this issue with the credit bureaus. I have called XXXX XXXX XXXX  customer service multiple times, but no one seems to be able to give a roadmap to rectify this issue even though I have verifiable proof. I currently have other federal student loans in deferment due to my college enrollment, I am not sure why this wasn't done for these 8 accounts as well. Furthermore, 2 of these student loans accounts are reporting late payments after the erroneous default date of XX/XX/XXXX. I have enclosed screenshots of my XXXX Credit report showing a late payment reported for XX/XX/XXXX on one account and XX/XX/XXXX on another. These accounts were updated as XX/XX/XXXX with incorrect information on a closed and transferred account. How is it possible to be late on a defaulted, closed and transferred account? This is clearly a violation of the Fair Credit Reporting Act. I have been subjected to undue hardship based on the impact of these erroneous accounts being placed on my Credit Report incorrectly. This issue needs to be corrected immediately so that my family and I can move forward financially. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at the Chase main bank building in XXXX, XXXX XXXX XXXX XXXX, I tried to do a cash withdrawal for a small amount of money. A person was operating the ATM next to me, and told me he " was just checking the ATM 's '' and said " excuse me I just want to see if the scanner is working on your ATM. '' He was wearing an orange safety belt and was holding a stack of bills in his hand and had checks in his other hand. I thought he was working for the bank. He punched the deposit button on my screen, and the deposit scanner started, and he slipped a check into my ATM. {$850.00} came up as the deposit. I told him he just put money into my account that did not belong to me. He tells me " Don't worry, I am going to take that check back if you allow me one second. '' He then punches the Get Cash button and punches in {$850.00}. I immediately hit the Cancel button and pulled my card out of the ATM. He tells me " I am not trying to cheat you, man. '' I said no way, I am not giving you cash for that check. He leaves and I went across the street to call Chase. Chase did not know what to do when I told them this. The check did bounce, and they agreed to not charge me the {$850.00}, but then days later changed their minds and charged me the {$850.00} that I DID NOT TAKE OUT. I know I did not take out the {$850.00} and the transaction was cancelled at that point. Nobody got any money. I need help in getting Chase to either show me the video of us getting money or to refund the {$850.00} charge against my account. I had been in contact with many Chase phone employees, who listened to my account of the incident, and they did agree to review the incident. The check did bounce, as I knew it would, but I was happy they did not initially charge me {$850.00}. But days later i was notified by mail that they reversed their decision with no reason given. Help me to get this {$850.00} back please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/2019. I received a letter from Bank of America informing me that my account was being closed due to fraud related activity. I never committed fraud in my account. I deposited a check into the account from my XXXX account because I was anticipating money being deposited into the account to cover the amount of the check. I was a BOA customer for over 10 years. It was baffling to me that they would assume and rule out fraud without conducting a thorough, proper investigation. Please assist as this is effecting my ability to open a checking account at other banks.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-12
Company: CMM of Louisiana, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX started calling back in XXXX telling me I owed a debt for a Cashtyme debt that I took back in XX/XX/XXXX if not earlier. They told me I was going to have to go to court and deal with it there. Then on XX/XX/XXXX I received another call from them and a woman got on the phone and told me she is going to execute a warrant for my arrest if I didnt pay something today. I told them I had {$500.00} and thats all I had. She then told me if I pay {$500.00} that I would have to make 2 additional payments of {$770.00} in order to resolve this deal and not have a warrant executed for my arrest. I made the payment in {$500.00}. I then called the FTC and was told they was under review and they are known for scamming and it was her advice that I call and try to get my money back and report it and if they do send a judgement against me I would then have to go to court and I can fight it there or pay the debt then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The judgement has been paid and satisfied in whole. On XX/XX/2019 In the amount of {$920.00} withdrawal from my bank by Midland Funding from my SSI XXXX income. 
Circuit Court City of XXXX, VA The judgement has been satisfied on XX/XX/2019 There is a balance of {$70.00} which I disagree with. There should be a XXXX balance according to the court Notice of Satisfaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: ENOVA INTERNATIONAL, 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: Old information reappears or never goes away

Complaint:
This account was opened in XX/XX/XXXX and became delinquent soon after in XXXX. It has been incorrectly reported every single month as XXXX days late- even after the 2 year mark. This company continues to intentionally make this erroneous report to all 3 credit agencies with the intent to harm my credit score even 4 years after the loan was disbursed.

This should have been charged off two years ago. I have disputed this debt, I had a credit repair company, XXXX XXXX, try to resolve it on my behalf, they were unsuccessful as well. The amount of interest and fees have now more than doubled the amount of the loan. The original loan was {$2700.00} and is now {$5400.00}. My only source of income is from a state XXXX program called In Home Supportive Services that I get for caring for my XXXX XXXX children. I am unable to work outside the home. 

This preditory creditor is making false reports to the credit agencies every single month to destroy my credit as revenge for not being able to repay this debt. Soon after I took out this loan I got XXXX  twice- as did my entire household- and had three deaths in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX Account number XXXX inaccurate Date opened, inaccurate high credit, inaccurate date last active, inaccurate date of last payment.

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 2021-11-17
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY AMSHER COMPASSIONATE COLLECTIONS, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection, XXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only on Bureau and that is the Consumer Financial Bureau. On XX/XX/1933, Congress enacted HJR-192 which is Public Law 73-10 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the exiting emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money, policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characterstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such terms of information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
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:
Ive been a victim of identity theft someone is using my information and has a car loan and two credit cards with my social security number I filed for a dispute with XXXX XXXX  and others but the suggested to also file a report with you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a forbearance with Flagstar mortgage company due to COVID. In XX/XX/2021 I requested to discontinue forbearance and began paying mortgage payments. I have been waiting since XXXX for the completion of the Deferral process. After numerous, weekly phone calls and hours of time on hold, I have been promised that it would be completed and I would receive a phone call back. It is now almost 6 months and the Deferral is not complete and I seem to get more unmet promises. I have not been able to complete other business and mortgage refinances due to this incomplete Deferral. I am tired of hearing that " this will be escalated to our team '' and NOTHING happens.

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 2021-09-13
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a letter from Radius Global Solutions on a debt that was charged off by XXXX as a bad debt. XXXX attempted to collect on a debt the car was surrendered voluntarily due to XXXX, they left me alone and now they sold it to a collection agency whom is reaching out well after a year. I just want all communication to cease and desist. If I had the monies I would have kept the car people are trying to recover from the affects of XXXX as well as the storm that just ramsack New Jersey and now after well over a year I get this letter. I feel this is a tactic to get money I don't have. When I surrendered the car on XX/XX/21 I was told they would have it picked up the next day, I offered to drive it to the location so I was not charged any additional monies they told me I would not be charged but their people had to pick it up with a flat bed and the guy came with a regular tow truck I was charged for that service when I offered to drop it off. I was given the run around from XXXX from the start and never offered any assistance. XXXX is a very big company I asked to complain to a higher up my complaint fell on deaf ears no one reached out to assist I was also given the run around when I attempted to surrender the car.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Chime Financial Inc
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:
On or around XXXX XXXX, 2023 it came to my attention that my Chime card was used without my authorization when I shouldve had a balance left and went to make a purchase and the purchase was denied due to XXXX. 

This happens semi-frequently due to the XXXX XXXX XXXX with several of my more used cards, especially those I use for online shopping, and I believe the vulnerability is due to the selling of my personal information by the breach and thus being sold on the dark web, and its often difficult to work with companies to explain what happened ( as I dont have a full understanding of it ), and be reimbursed my money that was wrongfully taken out of my account because of hackers and my sensitive information being made public. 

Im not out atleast {$450.00} due to two companies denying my fraudulent claims, with no explanation. Ive just been left in the dust missing money with my word against no ones and cant prove that it wasnt me that didnt authorize the transaction despite being at work, busy, etc. 

I want to help others that are struggling as a result of this or the XXXX breach, and possibly collaborate with someone/a group of people on how weve been able to recover?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
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:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on DPEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am frustrated because I have called the bureaus about the inquiries and open accounts on my credit profile for the past 1-2 months and nothing has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
American Express Blue raising APR interest rate based solely what a NEW customer would receive if they would apply for the same or similar card with American Express with no regard for customer history of 100 % on time payments. Only one FICO score company ( XXXX  ) used to base reason which was 30 points higher than XXXX. Unfair!

Company response to consumer: Closed with explanation