BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2019-12-14
Company: AES/PHEAA
State: CA
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:
To whom it may concern, In XX/XX/2019, I applied for the Public Service Loan Forgiveness program, via Fedloan servicing. On XX/XX/2019, I received a letter from Fedloan Servicing stating that I had only made 26 qualifying payments toward PSLF. The letter also stated that I have 94 additional payments to make, before I was eligible for the program There was very little information in the letter.

I would like Fedloan Servicing to answer the following questions for me : 1. Please tell me why these 26 payments, were different than the many other payments that I have made?

2. Please provide me with the dates of when these 26 payments were made?

3. Please provide me with the amounts of the 26 payments?

4. Please tell me why my income eligibility was only based on the last 12 months of payments, rather across the entire time that I have been make payments?

I also applied Temporary Expanded PSLF. I received a letter on XX/XX/2019, stating that Fedloan needed additional tax related information to complete a review. On XX/XX/2019, which stated that based on my income, that I did not make payments that were large enough, based on the FedLoan calculation. 

At this point, I have been denied both programs for the following reasons : 1. I did not have enough qualifying payments, but I have not been given any specifics of why the 26 qualifying payments were unique enough to be found qualifying. I have not been provided the dates, of those payments nor their amounts. I have not changed anything related to my student loans.

2. Based on an arbitrary calculation made by Fedloan, which only took into account my current income, and the previous 12 payments, it was found the I am not eligible for the Temporary Expanded PSLF opportunity, due to not having made large enough payments.

It stands to reason, that as long as I have been making payments, that I would be at my highest income level currently. Utilizing only the last twelve payments to calculate the amount, is a punitive and arbitrary rule, that is specifically designed to make it easier to disqualify applicants.

I will be filing a complaint with the Consumer Financial Protection Bureaus, and with my local Congressman. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX ( reporting to XXXX and TransUnion but was remove from XXXX dates of activity are incorrect and does not meet fcra Delete immediately Inquiries remove immediately I did not authorize those inquiries

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 2019-12-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In the beginning of XX/XX/2019, I was promised by a Chase Private Banker XXXX XXXX in XXXX XXXX, XXXX  that my deposit of more than a XXXX dollars would receive an interest rate of at least 1 %. Additionally, it would be backdated to when the amount was deposited into my checking account on XX/XX/XXXX. At the same time, a certificate of {$1200.00} was promised if I kept {$250000.00} in the account for at least 3 months. After much communication with the bank and involving the OCC, Chase granted the {$1200.00} into my account in late XXXX after many efforts by my address this issue. 

The large credit for the higher interest rate for five months, however was never deposited into my account. My complaint is that I've been trying to address this with Chase both in person at the branch and via telephone with several Chase departments and it is still not resolved. The Chase Private Banker and the XXXX XXXX Chase Branch Manager XXXX XXXX agree that this interest is due to me and have admitted that it is a branch error as well as submitted paperwork to the district manager and Executive Office to rectify the situation.

The Executive Office, however, has contacted me and stated that the they can not backdate interest on  accounts. What they fail to understand that I was told by the Chase Private Banker in XXXX that the rate increase would be applied to my account going forward. Chase still owes me this interest starting in XXXX and it amounts to thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Monday XX/XX/XXXX, I had a deposit of my XXXX payment to my XXXX account. I logged into the app and transferred {$3000.00} to my linked Navy Federal Credit Union account to pay some of my bills. The transferred had reflected as going through. I had a balance left was {$780.00}. I logged off the app once I was done. I tried logging back in to check to see when my insurance payment was due and got a message that I was locked out of my account. I called XXXX and told them something was going on with my account. They told me that I was locked out because there was several transactions done that looked suspicious and someone had breached my account and locked me out. She also said they believe that they got my Navy Federal account number as well. I then called Navy Federal right after on XX/XX/XXXX and the next morning XX/XX/XXXX to report to them that there had been a breach on my XXXX account and I would like a fraud alert added to my account there. No one explained to me on each call that they do not do " fraud alerts '' just add a note to the account. On Friday XX/XX/XXXX, I called XXXX to get a status update on the process and I was told they decided not to give me my funds back and my account was in the negative - {$110.00}. They also stated that they sent a letter to Navy Federal requesting the {$3000.00} be sent back to them which put my account in a negative status- {$2000.00} ( currently ). Navy Federal took {$1100.00} from my account and sent it to XXXX and did not notify me they had received this letter. They also took {$540.00} out of my savings account. They closed my account ending in XXXX and opened a new one then added the negative balance. It now shows - {$1400.00}. I now have no funds and no way to pay the rest of my bills. 
They are in violation of 15 U.S. Code 6821, 15 USC 1692g 809. Validation of debts and 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Experian Information Solutions Inc.
State: NY
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:
Experian refuses to remove false negative information on my credit report. XXXX and XXXX have both removed this false information. Experian for some reason refuses to investigate and has not provided me with any proof with my signature as to how the accounts were verified and not removed.

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 2019-12-15
Company: ONEMAIN FINANCE CORPORATION
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: WV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 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 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

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 2019-12-14
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of XXXX , XXXX . The debt was in the amount of {$700.00}. After confirming with XXXX that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same XXXX debt of {$700.00}. The XXXX account number listed on the notice was the same as the one in XXXX. I contacted the XXXX collections department and the agent there confirmed that my account has a XXXX  balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a XXXX account using my name and XXXX is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : Convergent Outsourcing , Inc . I am attaching a copy of the notice with their contact 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 2017-11-01
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The account was open in 2014. I am not sure who open an account, but it is reported and I am having trouble opening any account. I call the back to see if I had an account with them, but they said they do not have any record of me having an account with them. It report the account was pay in full and it was close for account abuse. 
Also the address they have on file is the address my sister use to resign as a resident not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
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: Information belongs to someone else

Complaint:
I recently noticed several accounts and inquiries on my report that I didnt authorize, after being denied credit for a car loan.

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 2017-01-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
To Whom It May Concern : I am writing to file a complaint about Chase Bank where I am the accountholder of a Business Checking Account. Last week, I discovered XXXX unauthorized ATM withdrawals. I live in XXXX, XXXX which, unfortunately, is an area rife with ATM scammers who use a device to rip cardholders ' numbers and PINs in order to process unauthorized withdrawals. ( A number of my friends in the area told me after the fact that they have been victims of the same fraudulent scams ). 

I called Chase immediately upon discovering the authorized withdrawals ( which totaled over {$200.00} ) and was told by the bank that its fraud team would investigate the transactions. After a week I had n't heard anything back so I called them and was shocked to learn that they had closed my dispute request without even notifying me. I asked them why and they said that because at one point I had let my assistant borrow the card to pick up some camera equipment that they would not be investigating the fraudulent transactions further. I assumed that they would pull the camera footage from the ATMs but they did not, and moreover they refused to tell me why they would not pull the footage. Now I am left with no recourse to dispute these charges. I have spoken with multiple supervisors, and no one has been able to provide me with any additional information on why my dispute was denied or why they refuse to pull the footage. As a result I have no choice but to move my business account with an institution that has a better record when it comes to resolving fraud disputes. 

If you have any additional questions about this complaint, please feel free to contact me. Thank you for your time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National credit systems inc, sent me a letter stating I owed {$190.00} in behalf of my old apartment complex-XXXX XXXX but I contacted my apartments and they said I didnt owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: JPMORGAN CHASE & CO.
State: FM
Product: Credit card
Issue: Credit determination

Complaint:
I inadvertently created a Chase Bank credit card inquiry for an Amazon Card on XX/XX/2016. 
I meant to cancel the online inquiry but mistakenly submitted it. I contacted Chase Bank immediately be phone and they said it had n't been processed and they would cancel it. 
It has appeared on my XXXX score ( via XXXX ) and negatively affected my score. Additionally, the request was denied?? Can you intervene and have this removed from my XXXX scoring? Thank you..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on 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