BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/XXXX, I realized that my checking account balance, which is always high, was not adding up. I saw checks being honored for large amounts that I did not write ; they were forged. I reviewed my statements going back and found a total of 66 checks, many for small amounts, that were not signed, not endorsed, illegible, or otherwise obviously not from me. I have been writing checks with this bank since XX/XX/XXXX. They were mostly written to " CASH. '' I went to the bank and filled out 66 Affidavits of Forgery. I was promised an investigation, and given a new account. A week later, I called. I was told the Affidavits were " misplaced. '' Finally I was contacted by an investigator who gave me a phone number to call and a case number. A few days later, I was contacted again by someone who did not give me her number. Over a week passed with no updates, and no refunds to my account ( this adds up to approximately {$10000.00} ). I called the number given and found that it does not work and does not give me the fraud department. I called my bank and was told they could not call the investigator but had to email her to get in contact me -- who knows how long that will be. I have been with this bank, as mentioned, since XX/XX/XXXX. I have lots of money with them. The bank grossly ignored banking regulations and the XXXX in honoring instruments that were defectively filled out and not written by me. Literally, they apparently would honor any check anyone stole from me and filled partially out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NC
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:
My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX OpenedXX/XX/18 I am disputing fraudulent account identity theft XXXX XXXX account number XXXX amount XXXX date openXX/XX/XXXX XXXX XXXX XXXX recently purchased XXXX XXXX/ XXXX credit card I previously had fraudulent account from XXXX XXXX/XXXX that was deleted from my XXXX Equifax and XXXX credit reports about a month ago and now that XXXX XXXX XXXX  had purchased the XXXX XXXX/XXXX card the same fraudulent account reappeared on my 3 bureau credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Experian Information Solutions 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  account # XXXX or account name XXXX XXXX Bank, 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 report agency can not furnish an account without my written instructions.

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 2019-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Called Capital One on today, XX/XX/19 was constantly transferred from department to department for a total of 1 hour  and was not given any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX just placed an item that was previously reviewed and deleted by the credit reporting agencies the amount is {$110.00} and it was put back on my credit report on XXXX this item was reviewed and removed on XX/XX/2020 I don't order this kind of service cause our landlord doesn't allow antennas on their buildings, my current address is XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA,XXXX my name is XXXX XXXX cell XXXX XXXX XXXX XXXX, I reported that this item was opened fraudulently .. I will need from XXXX XXXX the address and phone # where this service was place on so I can call the local authorities.. in the mean time i want them to removed that item from my credit report.. thank you very much for your help in advance.

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 2021-02-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Mr. Cooper. At that time my escrow balance was XXXX for PMI. On XX/XX/XXXX, my statement from Mr. Cooper had escrow balance of XXXX. On XX/XX/XXXX, my statement from Mr. Cooper had escrow balance of a ( XXXX ), after I had paid for XXXX. Mr. Cooper 's escrow analysis done in XX/XX/XXXX determined that I must pay XXXX a month for an escrow shortage for this year. I have paid every statement on time with the XXXX included. I contacted their escrow dept. for an explanation and got no explanation for the difference between XXXX & XXXX. I will pay the excessive amount for now but want to know what happened between XX/XX/XXXX and XX/XX/XXXX to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Back in XX/XX/XXXX, I had attended a school called XXXX XXXX XXXX XXXX XXXX for a certification program for computer programming. The original loan was with Sallie Mae taken for the amount of {$11000.00} at 13 % interest. I have had payment issues on this loan in the past and had the load deferred and in forbearance and missed a lot of payments. 

Well today the loan is with Navient since they bought Sallie Mae and today the balance of the loan is now at $ XXXX@ 12.25 % I believe there is a lot of invalid information on this loan that is invalid and below lists the possible issues 1- Loan was taken out in XX/XX/XXXX through Sallie Mae but according to Navient, the repayment start date is XX/XX/XXXX 2 - Original Principle was for {$11000.00} today the balance is {$13000.00} 3 - Interest Rate was at 13 % and now at 12.25 % and it is variable 4 - The school I attended was XXXX XXXX XXXX XXXX XXXX - Which is no longer in business 5 - School that Navient has listed is " Direct Loan '' this is not a school and nor did I ever take a loan out with Direct loan going to this school. 
6 - Looking at Payment history on Navients Website only goes back to XX/XX/XXXX but disbursment happened on XX/XX/XXXX according to Navient 7- Since inception of this loan, I have paid a total of {$22000.00} with late fees, payments, forebarences, etc 8 - I contacted Sallie Mae to talk to them about loan forgiveness and they started asking a bunch of questions. They asked me where I lived and I gave them the address of where i lived at the time. I lived with my girlfriend so they asked me where i lived and I gave them the address, They then told me that the house I lived in ( Not mine but my girlfriends house ) was worth a certain amount and thus told me to take out an equity loan to solve the debt. How do I do that on a house that is not mine? 

I feel that I have been suffering with this loan for a longtime now and have paid the borrower double at this point and am looking for some relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
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:
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

XXXX XXXX - ( CLOSED ) XXXX XXXX XX/XX/XXXX - INCORRECTLY REPORTING AS 30 DAYS PASSED DUE FOR XX/XX/2018 ; THIS IS NOT CORRECT XXXX XXXX XXXX XXXX - Account Paid in Full ; was a Collection ( Not my account ) I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX  = Inquiry from XX/XX/2018 - XXXX XXXX = Inquiry from XX/XX/2018 I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay 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 explanation
Consumer complaint received 2018-03-01
Company: Medical Data Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter to Medical data Systems to validate all debt by certified mail. I received my receipt back from the post office and XXXX  XXXX signed for the letter and I have not received a response. I then made a phone call in the beginning of XX/XX/XXXX and I spoke with XXXX XXXX concerning this letter. I reminded them that they are past the 30 days and this debt has not been validated. I then submit a second letter for the letter I received turn they never validated the debt and they listed all Medical Data Systems on my report. I then submitted a second letter telling them that they have violated federal and state laws and how they failed to provide me with a copy of viable evidence bearing my signatures showing the account is being reported accurately. This letter was sent on XX/XX/XXXX Certified mail receipt number XXXX. However, they are in violation and I have made several attempts and nothing.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTHESE INQUIRIES ARE on my report and I did not inquire any of 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 2018-07-17
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have submitted the forms for an Income based Repayment Plan for my loans handled through Navient several times since XX/XX/XXXX. I did once in XX/XX/XXXX, once in XX/XX/XXXX, another again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They keep saying that they don't receive them. I did XXXX XXXX XXXX XXXX at the same time in XX/XX/XXXX, and they received their documents and I am under a IBP with them. 

Navient keeps having me resubmit. They say they got it, and looks complete but they need me to resubmit it since it wasn't processed last time. 

Also they have the same loan repeating on my credit score multiple  times. I have asked them to fix this and they have not, and I have asked them to combine the student loan in to one loan under one account, they have refused at this time. 

These loans were for XXXX XXXX and XXXX University, both of these institutions have closed due to fraud and accreditation issues. I have applies for these loans to be dismissed as employers do not take my degree seriously, and if I want to continue my XXXX degree I would need to start completely over at a new school because the credits despite being told they would, will not transfer. 

So ontop of paying for something I should not have to due to fraud, misrepresentation, and accreditation, dealing with Navient is getting out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved into this apartment XXXX on XXXX. At the time I was in desperate need of a place to live so I was willing to pay just about anything to find a place to stay. They sold me on the fact they were planning on updating the place with new amenities. When I saw the suppose Demo unit for the place it was beautiful. Unfortunately they didn't keep any of their promises. I never received my in-unit washer and dryer, I never got my in-unit table but every month I was being charge the price of having all these amenities. 

I then contacted the office and the manager XXXX to figure out what was going on and he explained to me that everything would eventually be installed. None of what was promised happened. I didn't feel it was fair to be charged for something I never received so I explained to the office I wanted to move. They were extremely rude about the situation, the threatened to mess up my credit and never gave me any paperwork necessary to move forward with the process. I moved out all my belongings and returned their keys to them even after they informed me this my moving out would mess up my credit. Now they're charging me upwards of {$3300.00} when they didn't give me my security deposit back ( which I didn't expect to receive back ) and I honestly don't think its fair whatsoever and I would like it removed off my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I request all transactions to stop on my chime checking account on XXXX XXXX XXXX  chime still allowed 4 transactions in XXXX from the merchant I asked to stop debiting my account. Chime refuses to refund the unauthorized transactions on my card for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX Dear Sir or Madam : In XX/XX/XXXX Out of the blue JP Morgan Chase arbitrarily closed my account. This was after my mother is a XXXX survivor who is over XXXX years old and for whom I have a general power of attorney and take care of her bill paying was questioned about a transaction. She is also XXXX  XXXX. 

I have reason to belief that a mentally disturbed family member for whom I have an order of protection initiated this situation. This individual has ben harassing me and other members of my family for a considerable amount of time. 

The bank initially was satisfied with her response. However within 2 days they closed the account of a XXXX year old XXXX XXXX person. 

Soon after for no reason my account was closed as well. I tried to reach out to the corporate offices of Chase and make great effort to find out what happened and to restore my account as well as my mothers but I was unsuccessful. In addition the people I spoke to were not only unhelpful bu exceedingly rude. 

I should add that I have had an account with Chase since XX/XX/XXXX and took care of my ailing father before he passed away for over 25 years as well. I am now taking care of my mother for over 28 years. 

I went so far as contacting a prominent Television reporter who was interested in doing a report on what happened. 

I have since managed to open an account at another bank but this week I had reason to go to a branch of Chase regarding another issue and a manager using my That is a very serious unsubstantiated accusation and given this information I have no choice but to submit this complaint. 

I have no interest in having an account again at a disreputable bank like Chase but I can not and will not accept or tolerate a derogatory accusation be associated with my name. 

I hope that my complaint will hAve the desired effect of removing this derogatory unsubstantiated accusation be removed from my name. However. I will not let this unfair matter stand and Chase ought to know that I have already retained an attorney and will if necessary hold Chase responsible and liable all damage i have incurred now And in the future Enclosed, please find the letter from Chase stating that they were closing my mothers account and a similar letter was received by me too. 

Also please find a letter from her Doctor stating that she is XXXX  XXXX. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have paid {$74000.00} in interest and my balance is still at XXXX i have been verbally denied financial assistance based on cosignor income and navient wont allow me to remove cosigner please help me last payment made on XX/XX/18 in the amount of XXXX ... {$28.00} was applied toward principal and {$580.00} was applied to interest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX  took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. 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 2021-02-27
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: Investigation took more than 30 days

Complaint:
XXXX XX/XX/XXXX and then again on XX/XX/XXXX I mailed letters to all three credit bureaus. Today is XX/XX/XXXX and I have yet to hear anything from the bureaus pertaining to my disputes. I believe they are conspiring together to purposely deny me my lawful rights to a true and accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Early Warning Services, LLC
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found an instagram seller with thousands of followers which led me to believe he we legit. After days of talking with the seller, I bought 3 pair of shoes and a XXXX XXXX console. I sent the money in two transaction as he requested. One for {$400.00} on XX/XX/2020, and one for {$1000.00} on XX/XX/2020 using XXXX. After I sent the money, he just didn't respond to me after I sent the money for weeks even to this day. I filed a dispute on my bank but it was denied since I used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Navient Solutions, LLC.
State: WV
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:
When I make a payment, they put pretty much all of my payment towards interests and barely any to principle which doesnt allow me to pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
PPP loan denied because there was an error on the account application that inaccurately showed that I was a foreight national. IAM NOT-I AM A US CITIZEN RESIDING IN THE USA. NOONE has called me back or helpd. Not my local branch manager XXXX XXXX here in XXXX. WHO CAN REMOVE THIS BLIGHT From my account at CHase under XXXX XXXX XXXX!!!!!!!!!!!! 

CHASE- DO THE RIGHT THING!!

Company response to consumer: Closed with explanation