BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My {$12000.00} loan obtained during XXXX school is supposed to be in deferment as I am a XXXX resident still in residency. My loan servicer, University Accounting Servicer, LLC, repeatedly tries to start charging me interest on the loan incorrectly. I re-apply for loan deferment each year, and last year my deferment was approved from XX/XX/XXXX to XX/XX/XXXX. Yesterday, I called the customer service agents who removed the interest from the " interest '' section of my bill, but the total current balance still keeps increasing everyday ( now up to {$90.00} in incorrect charges ). I received an email saying my loan was put into forbearance in XX/XX/XXXX instead of deferral, and my loan has been accumulating interest ever since. I never agreed or asked for forbearance. I should be have no interest or any other charges on my loan until I graduate residency. This loan servicer repeatedly exhibits predatory behavior in this manner and tries to charge interest when they think I will not be paying attention. The customer service agents repeatedly refuse to address or fix my issue. Every few months, they will reverse my deferral and I will have to go through this process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I began contact with Chase at the end of XX/XX/2022. Approximately XXXX XXXX, XXXX XXXX, and a few times in XXXX. I made contact with regular customer service and the military customer service representatives. One man in the military department was extremely misleading in that he stated I must open my account before my orders start to be eligible to XXXX benefits. I did so, and I got approved, and my Title XXXX activation orders were under review for XXXX ( which it will be approved ) ; However, Chase then told me I would still have to pay the annual fee BECAUSE I opened it before my orders started. If I get XXXX benefits, which include waiver of annual fee, and they do not apply that, they are in violation of the service members rights and protections under XXXX. 

I then stated I was basically lied to and backed into a corner. If I knew they were going to do this just so I would pay the annual fee, I could have indeed waited for the orders to actually start, and apply for the card to get the annual fee waived under XXXX. 

They would not help me in any way shape or form. Not regular customer service, and not the military section customer service. The sad part is I was approved for the Chase Sapphire Reserve card at a great limit, and ironically it came in the mail that same day they told me they weren't waiving the fee for me. 

I am so upset. This is added stress that I am supposed to be relieved from... 

To say I am extremely disappointed in Chase would be an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Mendelson Law Firm
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
How can they expect me to pay a bill when I 'm not working and no income.And they sending me letters in the mail and calling me from block numbers.I want them to stop bothering me about this old bill.

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 2019-05-12
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I applied for a loan modification. Following the tr oak procedure i was told the y would be withholding a mo XXXX  's payment and it could possibly show up as a late payment but it could be explained and fixed. And besides it would go away after 12 months on my credit report. No matter i made the payments anyways received the modification and my credit was fine. When it showed up as a late payment i had Ocwen Mortgage contact the credit bureaus. They fixed it and the payments showed up as current and my payment history was 100 %. In XX/XX/XXXX XXXX XXXX took over my mortgage. When this happened Ocw an closed out my mortgage with showing up a LATE mortgage payment AGAIN for XX/XX/XXXX! This has also happened in XX/XX/XXXX when Ocwen took over our mortgage from XXXX!! This is WRONG and I want it fixed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX Original Creditor : 12 XXXX ) XXXX, XXXX XXXX Original Creditor : 01 XXXX ) XXXX, XXXX  XXXX  XXXX and 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 2022-02-18
Company: Experian Information Solutions Inc.
State: DE
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:
I

sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of  payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: EQUIFAX, 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 XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$1800.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Offic Opened XXXX XXXX, XXXX + {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX Offic Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL XXXX  Offic Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX CENTER FL The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Healthcare Receivables Group, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are a few medical items listed on my credit file which are unknown, I have disputed with nothing being received for validation I need help these are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: U.S. BANCORP
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Attempted to make payments on credit card but fell behind on payment s .After XX/XX/21 After financial hardship could not make payments. Had to put all finances toward Mortgage, car payment, and insurance and utilities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: GA
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:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXXXXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XXXX ) and XXXX and XXXX ( XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$800.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed on the XXXX that i was negative in my account. I have until XXXX through tcf to fix it.so i deposited XXXX dollars to fix my negative balance at XXXX that night.which left me at XXXX.The next day XX/XX/XXXX i noticed i was negative again.So i deposited XXXX at XXXX that morning which left me at XXXX. On XX/XX/XXXX i woke up, checked my account and noticed i had an XXXX over draft fee. When i called to ask why, the lady told me my negative balance was from the day prior.which is impossible considering i fixed my account the day prior.luckily she agreed to help and take off -XXXX to make it -XXXX.i called back again that day still not understanding and they then told me its possible my fees came out at noon on the XXXX.which still doesnt make sense.they charged me 5 over draft fees total. One which i shouldnt have even gotten considering im allowed to have up to negative XXXX bucks before being charged.when breaking down the over draft fees, they charged me one for -XXXX. I went into the bank today for them to tell me that my funds on the XXXX must have came out after i fixed my account with the XXXX dollars that day.so basically what they are trying to say is they must have taken the funds out at after XXXX on the XXXX.when i asked if they could tell me what time kwik trip took out those fees he told me there isnt a way of knowing because they dont have the times when kwik trip ran it through ( which makes no sense ) however, they showed me what times the other funds came out but when they showed me they told me they could not give me that form to leave with because its the banks. How am i not able to take a copy of that home?! Please look into my account and please help me.i feel as though they are stealing from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have for the past couple of years tried to get a higher credit line on my marvel  mastercard to barely no avail. Syncb increased my limit by {$1000.00} in the past 2 years, even though my income and my credit score have been rising according to there own system. I rarely use the card any longer so to its artificially low credit score. I have tried to escalate on multiple occasions, yet the managers are not even empowered to be able to overturn decisions that do not make sense. I have been a long term syncb client, and have substantial lines with them on other cards ( which I have offered to cut/close if nessessary in order to qualify on the card that I would like to use which is the marvel MasterCard.

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 2017-07-10
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: Account status incorrect

Complaint:
Hello, XXXX XXXX account # XXXX is appearing as a collection. This account is no longer in collection, it has been settled as it says so on the attached credit report. <P/>Please delete the file. <P/>Thank You.

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 2022-02-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following companies obtained a copy of my credit report without my authorization : 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 2021-09-22
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: Account status incorrect

Complaint:
I had an account with XXXX XXXX XXXX Mastercard in which there were several reasons as to why the debt was not valid and should not be appearing on my credit report. I submitted the complaint to Experian and successfully had the account removed. 
However, In XXXX of this a collection agent, XXXX XXXX XXXX, who had apparently purchased this account posted an unpaid collection on my credit report with experian. I have made numerous attempts with Experian to dispute this item on my credit report and have had no success. 
If the original underlying account was found not to be reportable then the subsequent collection of that same account should not be reportable as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not solicit this company for any product or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: MO
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:
Their customer service would not help and take care of the negative inquiries reporting to my credit report. I even sent a letter asking for removal. 

Inquiries for removal : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 explanation