BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Hello, I 've been on a repayment plan with Navient for my private student loans for over 2 years. In XXXX, I lost my job and since XXXX, I have n't been able to pay my loan. 

Navient has refused to work with me regarding my unemployment status. During a conversation with them in XXXX, they told me there was nothing they could do as my account had used up all of my 24 months of forbearance. Then in XXXX, again they told me to pay them over {$1000.00} in my past due payment or risk being kicked out of my repayment status. 

Then just last week, in XXXX, they reported me to the credit bureaus for 3 months of nonpayment (! ) Wrecking my excellent XXXX XXXX and again, repeated the ridiculous notion of paying them over {$1000.00} in payments ... WHEN I HAVE NO INCOME! 

I do n't know if they 're purposefully being negligent, trying to force me to default, but I have to assume they are handling this account with some sort of violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Risecredit, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, this company has been on my credit report since 2015 and I have yet to receive any forms or letters regarding this account. I would the opportunity for reapplication and or this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I received a call from XXXX stating that it was a family member and that they were stuck in the airport because their money was locked. They asked to send money in order for them to pay their fines. They asked for currency exchange and used an app called XXXX which used face and voice recognition. I used my full name, address, phone number, driver license and credit card information. I have screenshots of names and banks it was transfered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: AES/PHEAA
State: KS
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 submitted employer certification signed by my employer certifiying government employment for XX/XX/XXXX through XX/XX/XXXX for the PSLF certification on XX/XX/XXXX. FedLoan Servicing only updated XX/XX/XXXX as eligible/qualifying payment and refuse to update the other month as qualifying. I have contacted them several times about this issue and they still have refused to fix the issue. I am confident I am not the only victim of their inability to process the certifications properly. 

I have also submitted employer certification with proof of employment for an emergency management company for the months XX/XX/XXXX through XX/XX/XXXX, also in XX/XX/XXXX. The employer is a single owner who refuses the signed the form for personal reasons against me. They continue to refuse to process this PSLF application or provide a reason for their refusal. I spoke with a representative and submitted additional documentation in XX/XX/XXXX, including XXXX 's for XXXX and XXXX. They continue to refuse to process the form and update the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: EQUIFAX, 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:
all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with equifax, XXXX and XXXX countless times with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX****-Balance {$2300.00} XXXX XXXX**-Balance {$4100.00} XXXX XXXXBalance {$3600.00} XXXX XXXX**-Balance {$0.00} XXXX***-Balance {$200.00} XXXXXXXX XXXX****-Balance {$820.00} XXXX XXXXBalance {$260.00} XXXXBalance {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX****-Balance {$2300.00} XXXX-Balance {$660.00} XXXX XXXX**-Balance {$4100.00} XXXX XXXXXXXX****-Balance {$3600.00} XXXX XXXXXXXXBalance {$5100.00} XXXX****-Balance {$16000.00} XXXX XXXXBalance {$230.00}

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 non-monetary relief
Consumer complaint received 2021-08-21
Company: Asset Management Outsourcing, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry 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 non-monetary relief
Consumer complaint received 2017-12-25
Company: EQUIFAX, INC.
State: OK
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:
Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: NV
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:
JPMCBANK/ XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm in dire need of your help my social security check of {$950.00} was deposited into Citibank they have the champ I have proof that they received the check from Social Security I went to use to try to use my debit card they keep denying all the transactions {$22000.00} is in this account along with my check they denied each and everything they're refusing to give me my money I'm in dire need of my money I'm XXXX XXXX XXXX I can't pay any of my bills they told me they're not going to give me back the child and Social Security can not issue me another XXXX until this check is returned Citibank is XXXX  and they stolen this money and they're refusing to give me my money they won't not let me withdraw the money they've locked my checking account my debit card and any money transfers I try to transfer the money on {$1500.00} a thousand and then {$500.00} to XXXX they demanded they got it back each and every transaction that I've done has been declined I need to get my money I am XXXX XXXX XXXX in a hospital bed with a XXXX XXXX XXXX XXXX  XXXX XXXX I'm in dire need of my mind their Elder abusing me this is Grand Theft Financial elder abuse and they're tormenting chair Rising me they keep slamming the phone down I have called them 35 times and each and every time they tell me they don't know who I am although they're lying because they got my social security number and they have the check was sent from Social Security I need my money it's already on XX/XX/XXXX and they've had my money since XX/XX/XXXX they refused to give me my money I called the city Branch branch office and they will not let me get the money out they told me it's not their problem please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with TCF Bank on a XXXX XXXX I own in XXXX XXXX, MI. It was sold to Huntington Bank in XX/XX/2021. Since then, I've spent 25 hours on the phone and on chat with various personnel who refuse to help provide the new account number or the way to pay the mortgage. Everyone hangs up the phone and says " not my department ''. 

I'm concerned because the XXXX XXXX 11 low income vulnerable families and if Huntington forecloses on the XXXX  they will lose their XXXX. I have never been late and my credit score is great, but Huntington Bank and their representatives have no interest in helping make this a reasonable outcome. 

I've tried working with my banker, XXXX XXXX in XXXX, MI as well as XXXX from the chat help. She created a case ID XXXX but of course, couldn't help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.

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 2017-09-29
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX/XXXX/XXXX We agreed to purchase a wall furnace from Terrys Heating and XXXX, XXXX XXXX, Idaho. They stated we could have a contract for 60 months and the lender would be Wells Fargo Bank. We stated we did not like Wells Fargo, but they stated they were the only bank setup to carry their contracts. We filled out a credit app and was approved for the contract in the amount of {$3200.00} which included a {$1000.00} down payment. The contract states a 9.9 % interest rate with XXXX equal payments {$61.00}. We were sent a credit card from Wells Fargo that XXXX XXXX Projects, Terrys Heating and AC which they stated just ignore. We began payments of {$61.00} in XXXX XXXX and have made XXXX payments. Wells Fargo Financial XXXX. XXXX XXXX, XXXX Texas XXXX accepted the first XXXX payments without a problem. However, in XXXX they began charging an extra fee. A late fee of {$27.00} and interest of {$26.00}. The check was mailed the XXXX of the month and not posted until after the due date of the XXXX. They asked for a payment of {$88.00}. We sent our {$61.00} payment as due by contract. In XXXX we were billed another late fee of {$38.00} and interest of {$26.00} and a payment of {$120.00}. Our check was posted on the XXXX After calling them there was no resolution. They stated they had no control over the posting date or the mail. They refused to remove the fees. It is apparent they have converted the contract into a credit card account which we did not agree to. Our balance right now is {$3100.00} nearly the same amount we began with. These fees were posted fraudulently and not agreed to. It appears they plan on adding fees every month and ignoring our original contract. We are angry that the account is now a credit card account which we did not agree to and at the current rate it will clearly not payoff in 60 months. We went to our bank today and got a personal loan and paid off the balance of {$3100.00}. We have a higher interest rate and a higher payment but atleast we know we are secure in the amount and the timely payoff. We have copies of the contract, the card and the statements Wells Fargo has sent. We will send them to you when requested. We do not want private information posted on this site.

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 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Inquiries were made on all three credit bureaus without my authorization I would like this removed asap as this incorrect and affecting my chances of obtaining a home with a decent rate.

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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please be advised that I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. 

The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. 

Name of Accounts : XXXX, XXXX & US DEPT OF ED/XXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter

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