BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This incident began on XX/XX/2021. We received a phone call asking about a fraudulent charge on our credit card. We replied that it wasn't our purchase and they connected us with 'fraud '. Well, we were scammed! I explained when I called Chase that we were scammed out of our passwords as well as asked to give the 3 digit number on the back of our card. We were told by the scammers they needed these in order to make sure they were cancelling the right credit card because we have two accounts. Later they told us they would send us our new cards. Soon after I checked our credit card to make sure it had been cancelled and the fraudulent charge gone and saw that a charge to a travel company for {$3700.00} had been charged to the card. I immediately called Chase and told them about the scam. This is still on XX/XX/XXXX. They connected us to fraud who said they were making a note of it and would cancel our card and send us new ones. Since XX/XX/XXXX I have spoken with at least 12 people at Chase, our account number has been changed twice and we have received two letters stating that the charge was legitimate and we were responsible for the amount. I spoke with fraud last week who assured me we would receive a call from them about the charge. The charge is still on our card. We are told that we don't have to pay the charge but we will pay interest on it if we don't pay that part of our bill. We have been with them for 18 years and during that time have paid the full amount due almost every time on time. We've never run into this problem in all these years but that doesn't seem to interest Chase. We are old and were scammed but we don't have $ XXXX lying around for someone to have fun on. We were advised by Chase early on not to contact the company that the charge was made to as they would be contacting them. I have even emailed Chase on their secure email and received replies but with no result. Yesterday, XX/XX/XXXX, XXXX we received a call from Chase that we are responsible for the charge. When you make a call to their number you receive a recording that the call will be recorded for voice verification and security. Chase told us that didn't matter. The party who charged our card had our passwords and we could've given them permission to use them. 

I called right away and explained to Chase right after it happened. When speaking to these different employees they didn't see notes on our account about what had happened. Apparently it wasn't important. Also we were informed that Chase will also be contacting the credit companies if we don't pay the amount. 

I'm just sick that we fell for the scam after being with Chase for 18 years with a good payment record. Chase doesn't believe us and we are responsible for the amount..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Credit Karma, LLC
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:
My credit karma account has been fraudulently accessed by identity thief. There is no way for me to restore my access to credit karma despite numerous attempts due to hacker changing profile. Credit Karma has no phone number. I have filed emails to customer service everyday for 20 days and the hacker is still in my account. This all has occurred during XX/XX/XXXX This is critical to my financial well being due to the fact that the hacker is seeing all my accounts, and has hacked into ALL MY ACCOUNTS over and over I have had to close several accounts and I have had to change my bank account 5 times in 20 days. I can no longer transact anything online. STILL the hacker finds my accounts because they are in my Credit Karma. Credit Karma should not be allowed to operate since there is NO PHONE NUMBER and they do not call back when you follow the correct channels. Hacker hacked that email I was using with Credit Karma so the hacker is probably receiving EVEN MORE INFORMATION by getting any responses by Credit Karma. It is vital Credit Karma is shut down since there is no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted XXXX regarding the Inquires on my credit report advised that I have a Police report and they refuse to remove Inquires stating they are factually placed there.

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 2018-06-17
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:
The reason I am requesting an investigation by your agency is due to TransUnion Consumer Service department would not help and take care of the negative inquiries reporting to my credit report.

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6.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 2018-06-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Transunion regarding the Inquires on my credit report advised that I have a Police report and they refuse to remove Inquires stating they are factually placed there.

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 2021-08-06
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These medical accounts are not verified as mine. The credit bureaus have not sent me any documents or any consent that would prove that it is really my 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 2018-11-20
Company: Navient Solutions, LLC.
State: MI
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 been making over payments to my student loans. When submitting the over payment I direct Navient to apply the over payment to my unsubsdised portion of my consolidated loan. Dispite my clear direction and having called twice to address the issue all over payment continue to ignore my direction and split the payment between both the subsidized and unsubidized loans. I plan on attendeding grad school and when the subsidized portion will stop accruing interest so this behavior is actively increasing the cost of borrowing. 

During my most recent payment I took screen shots of my payment during the process and it shows until it is applied it is only payin one loan once revived they split it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Commonwealth Financial Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX 2017. XXXX report indicate I have an emergency bill medical via a facility that uses Commonwealth Financial as a collection agency. I have XXXX. I did not go in the hospital or emergency room for treatment. XXXX is reporting false information. This is the second false report on my credit since their breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XX/XX/XXXX, A payment of {$1000.00} was to be applied to P & I for the XX/XX/XXXX bill. 
..includes extra to pay toward Principle. 

BUT - they applied it entirely to principle.. and want a 2nd payment for the XX/XX/XXXX bill. 
Now there is a late charge since I refuse to give two payments in 1 month. 

They have emails and a phone call to correct this. 

On phone call ( XX/XX/XXXX ) the customer service rep said that they have no way of knowing what a payment should be applied to and that she was not authorized to correct it. 

( What? You're a lender? And you don't know how to allocate payments as they come in? ) All payments are made on time and always have extra money for principle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CHECK INTO CASH INC.
State: TN
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am a XXXX year old female and on XXXX/XXXX/2015, due to an emergency, I made the biggest mistake of my life. I took out a title loan on my car at 'check into cash '' for XXXX in XXXX , TN. I have paid every month since then on time. This past week, the last time I paid I was told that balance was XXXX, so after receiving my income tax refund, I called to ask what my balance was and was told it was XXXX rather than the XXXX. This was all the money I had. I have paid to this date XXXX and do not understand why I still owe XXXX. If I pay based on their payment plan, I will have paid around XXXX for a XXXX loan. I do not understand why this is legal. It seems so outrageous, but at the time I did not realize how much I would be taken advantage of. I wonder how such our legislators would allow such a business to operate. I am so depressed and despondent over this costly mistake, but do n't know what to do at this point. My car is an older car but I do not want to lose it. Can you please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-17
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:
Last year I realized that the l was a victim of Identity Theft. After contacting Equifax they along with the other two requested an Identity Theft report from local police. I have sent Equifax the information more than 5 Times and they refuse to correct the 6 Inquires and Collection account reporting ( ALL Not Mine ). Since they refuse to delete the inaccurate information I am contacting you for your assistance. Maybe they have not learned their lessons from the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Navient Solutions, LLC.
State: IN
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:
Navient collection agency has been sending extremely important emails to an out dated email adress that I had removed from my account back in XX/XX/XXXX. I had just gotten my student loans out of default. It was then transferred over to Navient. I updated all my contact information including email, address, and phone number. It was then I was told that there was a grace period while they figured out how much my monthly payments would be. Well XX/XX/XXXX comes around and I still hadn't gotten any form of communication from them. I try to login to their website and naturally forget my information so I recover it and receive emails on my updated email address. When I get on it turns out I'm 4 months behind and have had payments due since XX/XX/XXXX. I was shocked and confused so I log on to my old email address, I don't use anymore, and sure enough they'd been sending all the payment due emails to that even though that email isnt even on my account anymore. Still as of today, XX/XX/18, they are sending all of the important emails to that account. I've been working really hard to get my finances under control and get my credit score up and feel like this is a sneaky tactic to try and keep me in debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions 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:
There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 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 2018-06-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX added a late payment to my account. This payment was late in XX/XX/2011. Every time I try to obtain information on my account I am being told I need to submit proof of who I am, which I have done multiple time. Why is it that the credit reporting agencies don't request proof before putting negative information on consumers ' reports, but the consumers need to provide a wealth of information and proof to have these information removed. I need this negative information removed from my credit report. 
Yet, this is the same companies that is selling consumer information, and don't have protection on their system with the massive data breeches.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the Simon 's Agency regarding a debt that had previously been satisfied with the hospital network. When I received the letter, I first called XXXX and they stated that they could see that the service from this date had been paid and that they would send it to the case manager to have it investigated. 
I then reached out to the Simon 's Agency , Inc. and explained the situation and requested that they put my confirmation of payment ( I had the number to provide them with ) in my file for reference and they told me that they didn't want it and that unless XXXX told them otherwise, they were going to continue to collect. 
I sent the Simon 's Agency a hand written dispute in the mail. I provided my payment confirmation number and requested that the matter be investigated. 
On XX/XX/XXXX, I received a call from XXXX, my case manager at XXXX ( XXXX XXXX XXXX ) .She stated that I was sent to collections in error and that the matter would be resolved that day. 
Yesterday, I received the attached letter from the Simon 's Agency allegedly " verifying my debt ''. Please find my Bank statement with proof of payment, verification letter, and confirmation number from the date this payment was made. 
This is literally the 3rd time that the XXXX XXXX XXXX has sent my file to a debt collection agency in error and it is exhausting. My health has been very poor recently and I have already spent a great amount of time proving that I do not owe this claimed debt. It is clear that the Simon 's Agency has no interest in researching the validity of the debts that they are attempting to collect on, as sufficient proof was made available to them. I have excellent credit and do not want their in-compliant practices to have a negative impact on me and my family. 
Thank you so much for your assistance in this matter. 
Best Wishes, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 Wayfair order placed online order # XXXX for a crib in the amount of {$640.00} XX/XX/2020 I notified Wayfair canceling this order due to no response of order and still processing. 
XX/XX/2020 I was notified thru email that this now pending and could not cancel. 
XX/XX/2020 item was supposedly shipped. 
XX/XX/2020 a refund was applied in the amount of {$530.00} less shipping charges of {$150.00}. 
XX/XX/2020 after backwards and forth emails Wayfair creddit for full amount {$690.00}. 
Receiving numerous call from their financial instiution I thought it would self adjust with delays with COVID. 
Spoke with a representative from Comenity Bank finance charges keep occuring to date. Need to contact Wayfair to resolve. 
XX/XX/2020 XXXX XXXX  filed on Wayfair 's site disputing finance charges and please contact their Comenity Bank. 
XX/XX/2020 receive an email declining my credit card with Comenity Bank and a credit with Wayfair in the amount of {$51.00}. 
I wish this to resolved with Wayfair as I feel the order was never completed until I canceled and the communication with their credit card carrier as I trying to establish a very outstanding credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-17
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX never told me about the Public Service Loan Forgiveness Program. I am a XXXX   and would have been eligible to pay off my student loans in XX/XX/XXXX. In XX/XX/XXXX of last year I would have had 10 years of payments. Instead XXXX kept advising me to put my loan into forbearance. In XX/XX/XXXX I worked with a private company to reduce my loans. They helped sign me up for the income based repayment plan and to consolidate my loans to reduce payment ( I could have done this ALL through XXXX if they had informed me of these programs ). I was told by the private company to keep paying on my loans and that I could apply for the student loan forgiveness program in XX/XX/XXXX when payments would equal the 10 years of repayment-they were the ones that told me about this program NOT XXXX!!! When I applied in XX/XX/XXXX for this forgiveness, I was told that I didn't qualify because my loan was now considered a " new loan '' ( because I had consolidated them in XX/XX/XXXX ) and that I would have to continue to make payments for ANOTHER 8 YEARS!!! My loans are currently being serviced by " XXXX XXXX '' and they also have informed me of my " new loan '' status. This has created a terrible hardship for my family and I. A loan that should have been forgiven last year won't be forgiven for another 7 years because of XXXX not informing me of these federal programs and steering me into the wrong direction. Pleas help me to know what to do. Can this be reversed? Can they be forgiven because of the withholding of information? I have XXXX for 15 years as a XXXX XXXX, worked hard to provide for my family and am being punished for lack of customer support and help ... Please let me know. Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: EQUIFAX, INC.
State: OH
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:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.

It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or XXXX.

Company response to consumer: Closed with non-monetary relief