BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
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: Account status incorrect

Complaint:
XX/XX/XXXX XXXX XXXX  was replaced by XXXX XXXX.XXXX XXXX will no longer exist on my credit report. But since XX/XX/XXXX all 3 credit bureaus are reporting both XXXX and XXXX accounts with the same information.Two accounts same balance but different names.I have disputed this information with all 3 credit bureaus twice and results are it belongs to me.I have contact both XXXX and XXXX, XXXX tells me to contact XXXX and XXXX tells me to contact XXXX.I got answer from XXXX starting XXXX will be deleted from credit reports XX/XX/XXXX still there as of now.But I have spoken to 3 managers at XXXX plus customer service over 9 times .Everybody there is giving me the runaround everyone keeps telling me different things I will receive a deletion letter concerning XXXX XXXX and they will send to credit bureaus. Now XXXX XXXX  has been telling me this since XXXX it's XXXX this weekend. I'm in the process of buying a home and my escrow is at a standstill due to wrongful information on my credit report. I asked XXXX can they send me a letter saying that XXXX no longer exist so my escrow for my home can continue never received nothing. XXXX XXXX  doesn't care about what they are doing to customers. But let me miss payments my credit limit will be lower or account closed.I am so stressed out and frustrated due to credit bureaus not listening to me and XXXX XXXX know they have been reporting the wrong information for months but they don't give a 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 2021-04-09
Company: EQUIFAX, INC.
State: IL
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:
I disputed information with XXXX for inaccurate information reporting on my credit file and haven't gotten any updates. It's over 30 days and still no response from the company regarding the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: OH
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 have an account with XXXXXXXX XXXX XXXXXXXX listed as closed on my report but it shows a balance {$280.00} which I do not owe. This account has been disputed with Equifax last on XX/XX/21 but many other times before. They failed to investigate or even respond to my dispute. Also, they are violating my rights because they have never marked the account as being disputed according to FCRA. This account is also being illegally re-aged by the bureaus. At this point, I want this account deleted due to inaccuracies, errors, and being incomplete not to mention the creditor has never validated this alleged debt. I included tracking numbers of all letters attempting to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX  Hard Inquiries XXXX XXXX XXXX  XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX- XX/XX/2022 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions XXXX XXXX XXXX- XXXX 2022, XXXX XXXX XXXX XXXX 2022, XXXX- XXXX 2022.

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 2018-04-16
Company: AES/PHEAA
State: CA
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 set up auto-pay twice with XXXX XXXX, only to check my XXXX   account and find out my account is overdue. Both times I was automatically removed from the autopay. Further, I approved my auto pay to an amount 30 % over the payment, and it was reduced automatically by XXXX to the original payment. 

Further, my account was placed on forbearance without my approval. XXXX claimed this was due to a " natural disaster in the XXXX XXXX   county area. '' XXXX continued to earn interest on my loans while my account was in forbearance, this is a deviant practice and I am certain it affected other individuals in the XXXX XXXX County area.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I originally purchased the home in XXXX for {$18000.00}. In XXXX I did a modification loan to lower the interest rate. I was charged {$7000.00} to re-modify my loan. My loan was purchased by Chase from XXXX XXXX. I was mislead in signing the loan papers. It was not explained to me clearly that I would be paying 10 additional years on the loan. I feel it was a predatory loan. Im paying to much for the loan by Chase. Ive paid an extra {$200.00} a month to go towards my principal balance. Chase could not give me a clear understanding of what my unpaid balance is. Ive reached out to them several times and was told, we would like to accommodate you, we no longer have the ability to deliver this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I spoke with JP Morgan Chase Bank on Tuesday XX/XX/2023, from XXXX to XXXX about three separate fees marked as Non-Chase ATM Fee-Withdrawal. I asked if this could be waived as I had to use the ATM outside of the country. I was denied this request. 

The three separate fees were charged on : XX/XX/2023 XX/XX/2023 XX/XX/2023 The representative let me know that these fees were charged due to me using a Non-Chase ATM machine and I am encouraged to use an ATM machine from Chase. I asked if JP Morgan Chase had international partners for when I had to take out cash as not all countries have a cashless society like one in the United States. They responded that they do not. I asked if there was an account that I could upgrade to where I can avoid these fees. They answered they do not. I asked then if I am already being charged separately for using the ATM by the ATM holder in the beginning and being hit with a {$5.00} charge every time from Chase, I'm out at least ~ {$10.00} per transaction ( in this case, the fee for using the ATM was 300 DOP per transaction which equals to {$5.00} ). 

This seemed unfair and a junk fee as JP Morgan Chase does not offer any international ATM partnerships or an option for me to avoid these fees outside of just not using an ATM when abroad which can be hard to avoid in some countries. They offer no resolution outside of just plan to use a Chase ATM at all times at all costs ( even inside the US if there are no branches within a 50 mile radius or if this is inconvenient ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: PNC Bank N.A.
State: TX
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 tried my best to contact these companies through the credit bureaus and I haven't gotten any response. It feels like I'm being ignored. It's been over 90 days and I've heard nothing. I don't know what else I'm suppose to do. There are a bunch of inaccurate accounts reporting to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Lyons, Doughty & Veldhuis, PC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
approximately a month and a half ago started receiving calls from a debt collection law firm for a person who i do not know..this went on everyday ... .it was a computer generated call ... .they have the nerve to tell me if this is not me i should not listen and hang up and call them ... .i believe this was total harassment on their part..also an invasion of my privacy and an unfair business practice. 
my time belongs to me ... if they want to find this person ... let them have a human find him ... not put this on innocent..excellent creditworthy people who have to be subjected to this unethical practice to make money .... 
they think they are winning, because ultimately the only way the calls will stop is when you call them ... ..i don't work for them..they aren't paying me. 
just think if all debt collection companies did this!!!???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed that I had dept on my credit that was not on my behalf, my identity had been stolen before and I need this dept to be removed off my credit immediately because this is holding me back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America is improperly using my SSN for a XXXX ( C ) ( 3 ) tax exempt Private Foundation. 

An Irrevocable Trust opened a Checking, savings, and investment account on XX/XX/22. Bank of America was given a copy on the Irrevocable Trusts EIN, a copy of the original notarized documents creating the Irrevocable Trust, and a notarized Trustee Certification form for a Cash Management Account for Irrevocable Trust. 

On XX/XX/XXXX an email was sent to Bank of America alerting them to the change in status of the Irrevocable Trust by the IRS into A recognized XXXX ( C ) ( 3 ) tax exempt Private Foundation. 

Bank of America was alerted many times about improperly using my SSN through a few in person meetings, Phone calls and an email on XX/XX/XXXX. 

There response has been the same, refusal to fix the issue.

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 2018-02-06
Company: GMA Investments, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received a phone call at my place of employment. I called back. The representatives were very rude and disconnected the calls each time. Each time that I called, I provided the number that they called and asked that they no longer contact me on that number and that they send any communication with me via writing. Each time I made this request they hung up. I told the last representative that I would be reaching out to determine my legal options. She told me to call my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity fraud threw my identity being stolen it is reported by the irs i have a code i use to file taxes because of the identity fraud also i had my info breached threw XXXX, & my info is on the XXXX web, i have multiple UNAUTHERIZED accounts & inquiries must be deleted.

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 2017-10-20
Company: EQUIFAX, INC.
State: MD
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 recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX NA - 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 It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called one financial asking why the balance of my loan not getting lower after making payments. I made 12 payments and so I called ( Onemain Financial XXXX XXXX XXXX location ) bout it onXX/XX/2023 the lady on the phone says it must be a glitch that I am half way paid off. 

I called again on XX/XX/ asking Onemain Financial bout my balance and why did my loan balance go up. The lady on the phone says she'll looked into it and call me back in a few days that I never received any call since then. I called left several messages nothing. 

I called from a different line a lady answered and when I gave her my information the line got disconnected. I called and called left message and never got a hold of anyone after that. 

I went to the branch and the sign says closed. The lights are off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been requesting validation since XXXX of this year 2018. I have tried reaching out to all three ( 3 ) credit bureaus and also the creditors requesting validation. The credit bureaus failed to provide me with validation used to verify accounts reporting on their site. I have also reached out to all parties to have them validate the debt. The companies include Synchrony Bank/ XXXX XXXX , and Synchrony Bank/ Wal-Mart . I have asked for something bearing signatures or the original creditors documentation on file to verify that this information is mine or correct. The only thing I have received in return is card statements.This is not right persuant to Federal Law.

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 2020-01-22
Company: Franklin Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I missed a call from Franklin Collection Service based in Mississippi. I returned that call to find out why they had attempted to contact me after I had requested validation of the debt owed. I spoke with a collection agent named XXXX and again asked for validation of the debt. I then asked them to cease and desist any further phone calls about the debt until I could verify the account. At this time the agent became aggressive and began to raise her voice. She then started yelling and said that it didn't matter if I payed the debt or not because they already reported it on my credit report as a collection debt. Afterwards she stated that she was going to verify my information, and said that and asked me if my phone number was correct and then said " it doesn't matter I'm going to just take it out. Since you don't want us calling you cause we don't have the answer you want, you don't want us calling you back. '' She then continued getting louder and cutting me off from talking trying to get me off the phone while I tried to ask for a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
XX/XX/XXXX- Freedom contacted me to streamline and sign up with them. They kept in close contact frequently until I started to have issues with my payment. 

XX/XX/XXXX I was approved for a XXXX XXXXXXXX XXXX XXXX. 1st payment was XX/XX/XXXX. I paid each month until XX/XX/XXXX, I started to get behind due to financial difficulties. 

XX/XX/XXXX - XXXX contacted Freedom to explain the hardships I was experiencing. Per their website, I applied for a hardship. I checked the status almost every day. 

XX/XX/XXXX member portal on Freedom 's website showed, new loan was in progress. 

XX/XX/XXXX- I was locked out of my account online XX/XX/XXXX - member portal showed " your account is in active foreclosure ''. feeling scared I sent a partial payment. I contacted the VA loan technician. I stayed in constant communication with them. I also at this time assigned my sister as authorized representative to assist me. This stress was starting to aggravate several of my XXXX XXXX. 

XX/XX/XXXX - I resubmitted a hardship loan application. I continued to experience periods of not being able to access my account online. 

XX/XX/XXXX - I tried to resume payments since I was able to. Freedom rejected the payment. 

XX/XX/XXXX- the link for the hardship application was showing to " upload bank statement and proof of income ''. I started to prepare those documents, then when I logged on to upload, I was again locked out. 

XX/XX/XXXX- XX/XX/XXXX - I got inconsistent messages from Freedom to include being referred to a single point of contact who never contacted me. Voicemails went unanswered. I started receiving mail from lawyer offices and realtors asking to utilize them to sell my home. A few realtors stopped by to take pictures asking my family what I wanted to sell my house for. the letters have not stopped. 

XX/XX/XXXX - feeling even more scared, I tried to send a full mortgage payment, this was again rejected. The VA notified me the foreclosure was halted until XX/XX/XXXX. I received some letters, others went 'undelivered ' per Freedom stating my previous mailing address in XXXX was causing their letters to be returned. 

XX/XX/XXXX- I was able to log on and saw that same " upload documents link with XX/XX/XXXX date. I tried again the next day and the site read " Oops it's not you, it's. '' I sent the VA all the documents I am submitting to you for this complaint. The VA is under the impression that I only made 1 payment after the modification. They and the post office verified that my mail was no longer being forwarded to my old mailing address. 

XX/XX/XXXX - the VA notified me that Freedom mortgage mishandled my VA XXXX Refund Modification that they granted to me in XX/XX/XXXX. It was not properly administered ; there were significant missing qualifications lacking.

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 2023-07-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well fargo bank in XXXX XXXX XXXX XXXX XXXX are not being helpfull in giving me access to my safe deposit box going back XXXX XXXX either they are not well informed about the procudures on how one can access safe deposit box it now XXXX year homeless bank asking me for something they did not give me when purchasing this safe boxIm in there once a week trying to get them to do their job right.

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 2023-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I open my checking account Wells Fargo force me to open my son a saving account when he was XXXX years old.

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