BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
It states on my credit report that I have been evicted from XXXX XXXX XXXX XXXX  NY XXXX XXXX It also states that I have 2 judgements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a debt of {$2000.00} from XXXX XXXX XXXX  the account was given to the debt collectors on XX/XX/XXXX. I never received written notice and was not served a eviction notice due to my lease at that time was up in XXXX of XXXX and gave them 30 day notice that I would be moving out to go back to live with family due to their health condition. I was never contacted about any money owed until I was made aware from a car dealership that my credit score did not make be eligible for the vehicle I was trying to get at the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Upon graduating from XXXX XXXX School in XX/XX/XXXX, I was repeatedly harassed by Sallie Mae ( now Navient ) regarding repaying my loans. At the time I was still trying to study for and pass the California XXXX XXXX and was unable to find a job. 

On XX/XX/XXXX they Capitalized Interest in the amount of {$5200.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$390.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$100.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$38.00}.

On XX/XX/XXXX they Capitalized Interest in the amount of {$37000.00}. 

During the times listed above, I was actively seeking employment as an attorney and had no income. Sallie Mae/Navient placed me into forbearance and harassed me with telephone calls regarding repaying my loan. I was scared, intimidated, and discouraged. 

I had no idea that income-based repayment plans were available. Had I known, I would have immediately entered one upon graduating. But that was n't the case. 

Luckily, I heard about income-based repayment plans on my own and hired an attorney to help me navigate the system and enroll in one. This was in the late Summer/Fall of XX/XX/XXXX. I had gotten a job in the meantime as well. 

Furthermore, on XX/XX/XXXX they Capitalized Interest in the amount of {$25000.00}. I had already submitted my IBR renewal and they confirmed they received it and it would be processed on time. 

Sallie Mae/Navient used a preposterous amount of phone calls to continually pressure me into repaying my loan without an income, placed me into forbearance without giving me the option of joining an income-based repayment plan, and capitalized interest on my loan several times for no reason. 

My XXXX school ( XXXX XXXX School ) will be closing soon and they are just as much to blame as Sallie Mae/Navient for the nearly {$300000.00} student debt I am in. XXXX XXXX School lied to me about their bar passage rates ( I did not pass the first time and had to re-take the XXXX XXXX 2 days before my wedding ), job placement rates ( it took me 2 years after graduating / 1 year after passing the XXXX XXXX to secure employment as an attorney ), and they lied about average starting salaries for XXXX XXXX School alumni ( they claimed a number near/around $ 70,000- {$80000.00} per year, my first job I was offered {$58000.00} per year ). 

It is no surprise that XXXX XXXX School is now closing down due to poor student performance. Their entire institution has done nothing but lied to me about my prospects as an attorney - FOOLING ME into taking a 6-figure student loan to pay for their OVER-PRICED tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XX/XX/XXXX - We issued a check for {$11000.00} payable to United States Treasury in payment of quarterly tax ( Tax Year XXXX Form XXXX ) and mailed this check at the post office located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. 
XX/XX/XXXX - We received a bill from Dept of the Treasury Internal Revenue Service by mail, notifying us of changes to our XXXX Form XXXX which resulted in taxes owed for {$11000.00}. 
- We reached out to our CPA for advice regarding IRS letter, raising the issue of why we owed taxes. Our XXXX instructed us to verify the check payment made on XX/XX/XXXX and provide details. 
- We retrieved the details of the check from Chase Bank online. That's when we became aware of alteration to the check. The check was altered, payee was changed to " XXXX XXXX '', my signature on the check was forged. 
- We filled out Form XXXX XXXX Power of Attorney and Declaration of Representative XXXX. provided by our CPA to be able to contact IRS in our behalf about the notice and assessed penalties. 
XX/XX/XXXX - We contacted Chase Claims Department XXXX XXXX XXXX ) to file a claim, went to the local branch to get the form ( Declaration of Unauthorized Endorsement or Altered Item ). 
XX/XX/XXXX - We filled out the Form ( Declaration Of Unauthorized Endorsement or Altered Item ) provided by Chase, returned to the local branch and had the form faxed over to the Claims Department. 
XX/XX/XXXX -We contacted Chase Claims Department ( Reference Case # XXXX XXXX for follow up. We were informed that our claim was denied due to the time it took us to file this claim. Chase personnel stated we only had 35 days to settle from time of discovery, and since it was filed almost a year later, they no longer have the ability to recover the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I currently have a HSA through my work, which XXXX contracts XXXX   XXXX  for. Up until XXXX of this year all of my payments have reflected the correct name of the patient. For some reason there have been three payments that no longer reflect the appropriate patient, and neither XXXX or HSA have been able to fix this and just point to the other with no resolution. 

I have three charges that show the wrong patient : {$10.00} {$68.00} {$17.00} I then had a rep show me how to update the expenses after they are posted to show the right patient, but I just want to know why they were wrong in the first place so it can be fixed before another issue occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus. 

1. Collection account name : XXXX XXXXXXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 

2. CollectioXXXX account name : XXXX XXXX  XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


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 2020-04-23
Company: Experian Information Solutions Inc.
State: TX
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:
sent ftc violatons filed with the ftc taking more than 30 days show tooltip button XXXX XXXX XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION U.S. DEPARTMENT OF EDUCATION US DEPT OF EDXXXX

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 2022-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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 XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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 XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}

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 2020-02-21
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number has been stolen and is circulating on the deep web. I have reached out to US Bank and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

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 2020-04-23
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
i have a medical debt in collection I just want yo Pay and I not know were to call to pay for ir i habe insurance i just want to know what i need to do

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 2021-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
After reviewing my credit reports I noticed that there is a negative/adverse account on my report that I feel does not belong to me. The collection agency that's reporting this account in the amount of {$350.00} is PORTFOLIO RECOVERY. The creditor is listed as XXXX XXXX XXXX The account number is XXXX. I sent PORTFOLIO RECOVERY a certified letter requesting documentation and proof that this account belongs to me. USPS tracking shows that PORTFOLIO RECOVERY received the letter on XX/XX/2021. I have not received any correspondence from them. I want PORTFOLIO RECOVERY to provide me with documentation and proof that this account belong to me or remove this collection from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Account has been paid I want all negative remarks removed and to reflect all positive payment history. I want all accounts to reflect paid off.

Pursuant to 15 U.S. Code 1692e, 15 U.S. Code 1692f, 15 U.S. Code 1692g, hjr 192 public law 73-10, 12 U.S. Code 411. Article 1 section 10 United States America republic constitution

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 with product or service terms changing

Complaint:
After the XXXX leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.

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 2022-04-27
Company: EQUIFAX, INC.
State: VA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have 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 XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: AR
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:
During the month of XXXX I submitted a FTC report to Experian/XXXX  regarding two accounts that were established due to identity theft or fraud without my knowledge. Along with my FTC report I included a copy of my drivers license, utility bill, and a updated request with my correct personal information which included my name, date of birth, social security number, address, and etc. I received a letter on XX/XX/2020 which stated Experian was not able to process my request do to my social security number not being legible. I find this response from Experian unacceptable due to the fact my social security number was typed ( not written ) on my FTC report as well as my updated personal information request. Experian is violating the Fair Credit Report Act and also my consumer rights by not providing 100 % accurate verification and also not honoring my Federal Trade Commission 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
Consumer complaint received 2019-01-07
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Chase for an investment property. When I obtained the mortgage, I was being charged a PMI. Since XX/XX/2016, the value of the investment property has appreciated and the flooring in the bedroom has been replaced as well as the painting. 

Per my mortgage documents, I can request PMI cancellation upon the LTV falling below 78 %. When I Inquired Chase on this matter, they indicated that I can only request PMI cancellation when LTV falls below 65 %. This goes against my mortgage documents. I would like help resolving this matter. 

Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
07 XXXX XXXX XXXX Purchased : XX/XX/XXXX Financed : {$15000.00} Original lender : XXXX XXXX XXXX XXXX ( XXXX ) Int. Rate : 24.99 % Term : 72 months Pmt : {$430.00} Military orders sent in & applied to the account in XX/XX/XXXX. 
Int. reduced to 6 % & pmts dropped to {$280.00}. 
-- -Loan sold to Santander around XX/XX/XXXX. 
*closing balance with XXXX was {$13000.00} *1st statement from Santander showed the balance was {$14000.00}. 
-- orders were only valid for one year. XXXX nor Santander ever adjusted the loan int/pmt back to the original amount. 

This loan was supposed to pay off in XX/XX/XXXX. Balance was still showing on the statements as {$13000.00}. When requested about it in writing, Santander sent over a " loan revision '' to reduce the balance and pmts, stretching the contract another 2 years ... paying a total of 4 years past the maturity date. 

Loan revision matured XX/XX/XXXX. I wrote them again in XX/XX/XXXX, demanding my title and a refund of what I've overpaid them ( at that time, I had overpaid according to the " loan revision '' by {$1900.00} ). They responded by still demanding payments, and attempting to repo 4 times. Since XX/XX/XXXX, there have been an additional {$2100.00} in payments, bringing the total overpayment to {$4100.00} ( since the revision ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, 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:
The account below is not mines. By law I have a right to dispute a debt after receiving notice of debt. I have never received notice from this company. They have broke the FTC guidelines for reporting debts.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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: Reporting company used your report improperly

Complaint:
The Credit Bureaus stated ( XXXX XXXX Account number:XXXX ) ( XXXX XXXX Account numberXXXX ) ( XXXX Account number XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX XXXX, was properly investigated but how is that possible if the open date in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15. U.S.C 1681 section 604 A section : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I Have not given these accounts written permission to furnish these accounts 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