BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 had fraud accounts on my credit report and I informed Transunion several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress forXX/XX/XXXXXXXX. I have never been late on this account. 

XXXX XXXX XXXX # XXXX Date Opened :XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account. 

XXXX XXXX # XXXX XXXX XXXX : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX  and they informed me not to make a payment till the dispute is in progress for XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress foXXXX XXXXXXXX XXXXXXXX. I have never been late on this account. 

XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX. I have never been late on this account.

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 2017-08-03
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I first got this loan in XX/XX/XXXX when I first attended XXXX University. XX/XX/XXXX I could not afford to attend the school any longer for how expensive it was. I got the loan through XXXX XXXX who is Navient and could only get approved if I had a co-signer. I had to put the account in forbearance because of payment to high. I had to do a deferment because of the payment to high. Once I was able to finally make a payment that fit into our budget each month and came out of our account directly they went and up the amount AGAIN without any notice and no negotiation whatsoever. They would always say, 'well can your co-signed pay it. ' My co-signer being my father is unable to pay anything because he was force to quit his job to an injury that made it impossible for him to work indefinitely. They do n't care about that. So they put a lean on his house. Then my mother passed away and that made matters even worse. They still do n't care about that. Low and behold they canceled my repayment plan I had going for a couple years and upped my amount once again without notice that is literally almost impossible to pay. They said there is no way out of this one and I have to pay it or they will start garnishing wages and start to take personal belongings from my father as collateral. So I have literally not paid other bills so I can make sure this one is paid each month. Not to mention that I am married with XXXX children under the age of XXXX on one income. Again, they do n't care. This loan is literally the thorn in our flesh everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion will not help me remove inquiries over 7 years or hard inquiries that I didnt authorize and the dates arent even correct. All the companys on my credit report said that Transunion is responsible for removing hard inquiries off my report and they didnt. Ive called them many times and they keep telling me to call the original creditor but in fact the original creditor tells me that Transunion are the ones to remove hard inquiries and credit that is over 7 years. I have 17 inquiries that I didnt authorize. Please contact Transunion to delete all inquiries. Transunion isnt very helpful for people trying to clean up there credit that is fraudulent.

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 2018-03-28
Company: Brennan & Clark, Ltd., LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX contacted me on XX/XX/2018 reguarding a insurance debt. He impersonated being a attorney and said that things were going to escalate if I did not pay. I demanded a letter in the mail showing proof of the debt and was told no, and to either pay with my check information over the phone or be sued. When i told him that I would only pay via paper check, he started threat inf me and demanding my checking information. He has since called again today and told me if I do not pay that they will sue me. He is not an attorney and is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX Citi premier card # XXXX XXXX XXXX XXXX I called and cancelled my membership around end of XXXX or Beginning of XX/XX/XXXX,  then received an email stated I have a balance unpaid .... I checked my account, {$95.00} membership fee was not credited back to my account .... 

I called them XX/XX/XXXX to resolve this problem since I cancelled the membership already, they told me OK. 

I received another email showing account balance {$15.00}, I called again and they told me they credited membership fee " prorated '' .... that was not acceptable since I cancelled the membership ON TIME and they DID NOT PROCESS MY ORDER OF CANCELLATION! 

They need to correct this mistake immediately by credit this {$15.00} back to this my closed account!

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 2019-09-28
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I researched further on the Wells Fargo Auto that I still pay to on my truck. The credit report shows that Wells Fargo has a negative mark on mine so that was how I decided to research. I have learned that I still owe them {$4700.00}. 

I decided to call XXXX XXXX XXXX who I first made payments to before it was transferred to Wells Fargo. The total of the truck worth was actual {$30.00}. However, I paid for over 5 years which is from XXXX, XXXX to XXXX, XXXX which brings to over {$31000.00} but I also recently paid from XXXX, XXXX to XXXX, XXXX so that is total of {$3100.00}. I already paid {$31000.00} AND total of {$3100.00}, so in together on two amounts, I paid over {$34000.00} AND XXXX XXXX XXXX did not report to you ... I paid to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I believe is over {$7600.00} because with XXXX XXXX XXXX was first I paid to ... about {$540.00} per month. {$7600.00} was paid to XXXX XXXX XXXX. It is the total of {$42000.00}. So {$42000.00} was already paid!! And too much!!! My truck should be paid off a long time ago. 

However, Wells Fargo Auto said I owe them more, that is the amount of {$4700.00}!! What?! If so, it would be {$47000.00} later on! The real price was {$30.00} when I first bought it! Wells Fargo has ripped me off big time. I did call XXXX XXXX XXXX to find out why they did not report to 3 credit bureaus since XXXX XXXX XXXX is missing on all. However, the problem falls on Wells Fargo because agreement was on 6 % or 8 %. It is still too high ... I would pay over {$17000.00} MORE! I ask you to investigate on Wells Fargo. They know I am deaf. I believe they took advantage thinking I would not investigate this further. Thanks to XXXX that shows Wells Fargo has a negative mark. 

I complained to you about Wells Fargo yesterday for the wrong info on late payments in XXXX, and XX/XX/XXXX and it was first. I sent them the letter of going to be late and promised them that I would pay FULL AMOUNT and I did. They did not put me in a good standing. So with that information, I dug further on Wells Fargo so that was when I realize I have paid too much on my truck already and it should be paid off. Please investigate on Wells Fargo and penalize them!

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 2019-02-22
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello my name is XXXX XXXX XXXX. I have complaint against chase bank. They are saying I made electronic payments which has check numbers next to them on my bank statement. I asked them for photo copies of check payment XXXX but they have said I have made those payments electronically so there is no copy. But my bank statement is saying there is a check numbers. I already tried contacting cfpb about this and they have saidXXXX, XXXX was not posted. I attach following evidence. I filed previous complaint number XXXX about this. They have these checks were not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with Freedom mortgage on XX/XX/XXXX. I got a tax bill from XXXX XXXX regarding a tax delinquency in XX/XX/XXXX stating taxes for the first and second half of XXXX are unpaid. I have called the servicer 3 times since I received the tax bill. 

On each call they claim my loan is not in escrow ( while my mortgage is in escrow ) You are required to escrow FHA loans - then promise to make the correction. They verify my escrow balance on every call and they continue to give a time frame in which the situation will be resolved. 

Till date, the taxes are still unpaid. I am trying to avoid a tax lien on my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is in violation of numerous FDCPA laws. This company is reporting inaccurate and unverifiable information on my credit report and is causing me distress and making my credit report look bad. I request that this company send me a validation debt letter also Pursuant to 15 USC 1692c ( c ) I am notifying this company in writing that I refuse to pay this alleged debt, and I am demanding that this company cease all forms of communication with me through any and all mediums. I would also like this company to stop reporting inaccurate and unverifiable information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: MI
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:
Checked my report today and I noticed some student loans account opened I wasnt aware of I mean anything reporting inaccurate should be removed right under the fcra please show me documents where it shows my written consent. Also there is inquires on my report that Im not aware of as well i contact all creditors they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is a complaint against ocwen loan servicing which i see is in court with numerous issues. they are claiming that we are one payment behind and we have never missed a payment or had a late fee ... they call us constantly and mail us foreclosure assistance paperwork ... .we are current and dont understand why they are harrassing us ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I borrowed {$3000.00} from the XXXX XXXX whom I have done buisness with upon occasion as life happens. They have been really awesome and super friendly every time I have been there. 
I depositied the check for XXXX dollars on XX/XX/19 into my Bank of America account at the teller. I wanted to cash it but they said I had to deposit it and the funds would be available to cover debits made that day and cash withdraws the following day. I aggred to deposit the check. I checked my app later that night and it showed the deposit of XXXX $ available to cover transactions made on XX/XX/19 and available for atm or cash on XX/XX/19. The morning I logged in to check my funds before setting off on buisness and there was {$3000.00} placed into my account and then taken back out and a hold placed on the funds until XX/XX/19. I have been a bank member for a long time and I have regular deposits of 6-15 thousand over the last 2 years. 
I called the bank and they said to call back after XXXX to talk to someone who could help. I called back and they told me that the hold was most likely an issue with the check or that the other bank had not released the funds. I called the XXXX XXXX whom issued me the check and asked them to verify that there was no issue on their end with the check.The XXXX XXXX said she spoke to corprate headquaters and that the check and funds are good and available. 
I called Bank of America and got another person who could do nothing, so I asked to speak to a supervisor. The supervisor called the department that handles risk and they said that due to the check being XXXX $ and the fact that the Bank that issued it had previous returns they would not release any of the funds. 
This is outragous as the money in question is less then 5000 and I have deposited checks from this bank/loan company before. The fact that the teller lied to me and then the system showed it in writting before the hold was placed is down right criminal. Now I have no money and will have to pay a finacial charge on a loan I needed yesterday but can not use for 7 more days.

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 2021-02-01
Company: Advantage Credit, 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 is missing that should be on the report

Complaint:
ON XXXX XXXX2021 I filled out an application with a XXXX XXXX  XXXX. They checked my Credit and reported back to me what scores they received from the Advantage Credit bureau. They gave him outdated and inaccurate information regarding my credit score. I called Advantage Credit Bureau and asked the girl who answered the phone. Her name was XXXX, Where they got the credit scores they're reporting, she told me the credit bureau. I called the Mortgage agent back and asked if his Mortgage company used Credit scores or FICO scores in making their decisions on applications for a Mortgage. He informed me they used FICO only. I called back Advantage Credit and was told I needed to talk with someone in another department. I tried to explain why I was calling and that there was some confusion in their score. She refused to talk to me and told me to have my agent call her directly. I talked with him and he said, they said their score was correct. The score they posted for XXXX  was XXXX. Here 's the problem. On the XXXX of XXXX 2021. I received an email from XXXXXXXX of which I am a subscriber. The email was congratulatory for raising my FICO score to XXXX. I am enclosing a snapshot of that dated email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: AES/PHEAA
State: OH
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 have a XXXX XXXX XXXX  consolidated loan. I am currently on an IDR ( as well as the PSLF. ) My IDR was re-calculated and went up 250 %. 

My AGI inXX/XX/XXXXs taxes was {$25000.00} My AGI for XX/XX/XXXXs taxes was {$30000.00} My IDR based on 2016 was {$59.00} My IDR based on XX/XX/XXXX is {$140.00} I don't think an increase of 250 % is fair. I did expect the payment to go up, but thought it would be at most an extra {$20.00} to {$40.00} a month. I do not want to go into forbearance, just want a fair payment setup for IDR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted Granite State Management about a loans that appeared on my credit report. I explained that I am a victim of identity theft and the loans was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loans from Granite State Management, so it should be  removed as soon as possible. My credit report says the amount is for {$9900.00} and the account was opened on XX/XX/XXXX XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Granite State Management will not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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  obtained this account from XXXX XXXX and it was placed on XXXX  credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.

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 2020-08-28
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: Information belongs to someone else

Complaint:
XXXX XXXX was opened by someone else do to the XXXX  credit breach it found that it was opened do to the XXXX Credit Breach was deleted by 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