BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: ERC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently trying to fight this due to the fact that I am never late on this account for whatever reason they did not process the payment for that month and as a result they have sent it to collections but I still have the credit with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
DID A BALANCE TRASFER WITH CHASE. THE TERMS WERE NO INTERST ON THE TRANSFER. AND PAY YOUR REGULAR CHARGES. I DID. THEY STILL CHARGE ME INSTREST. THIS IS A FRAUD COMPANY THAT LIES TO CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 disputed 2 accounts opened in my name with Capital One credit Cards. Never received any validation or signature opening this accounts in my name. Capital One deleted both accounts. I received a alert today they put them back on my credit without any notification. They never provided me with validation or a letter by law I am required to receive when a debt is being re-entered on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-01-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XXXX of XXXX, I called to get my monthly payments lowered. No help waited on hold for 45 minutes to be told to go online and try to select an option. She stated on her end that she could n't lower it if I did n't apply for IBR. So I did what I was told. Never heard anything back so now its XXXX XXXX and I get an automated call telling me I was denied. I need to start paying XXXX by XXXX XXXX, XXXX I ca n't afford that. So I called again this time waited on hold for 1 hour. Explain my situation and everything. She basically told me there was noting she can do I need to pay by the due date and hung up in my face. So unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting a house

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting a complaint about my student loan .I have received letters informing me that XXXX is reporting to the credit Bureaus that I am 90-120 day late payment mark for XX/XX/XXXX and XX/XX/XXXX. In which is incorrect. XXXX send me a letter showing I was covered under deferment from XX/XX/XXXX to XX/XX/XXXX so on all my 3 credit bureaus it should not reflect as late payment I am asking for removal of late payment on my credit.The information that they responded to me is unlawful practices that the company displays and 90-120 day late fees should be removed from All my 3 credit bureaus, My credit score is suffering immediately because of the mistakes and this issue should be resolved expeditiously. I am attaching letter showing I was good for those 2 months. Also include pictures of the loans their are stating was late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Between the periods of XX/XX/XXXX to XX/XX/XXXX I had purchased to vehicles and financed through Wells Fargo XXXX New and XXXX used. Through out the loan terms the subsequently on a monthly basis added and charged me for their own auto insurance even tho i had my own auto insurance policy on XXXX vehicles. This subsequently caused me be delinquent and not to be able to manage my loan payments and at different points each vehicle was repossessed even after attempts were made on my behalf to correct the problem and lower payments to no success. Eventually I was able to recover the new vehicle after paying thousands of dollars in payments and fees to be able to get it back and payed it off and finally sold it in XX/XX/XXXX. The used car tho i was not able to recover and they sold it at auction and billed me for an additional {$12000.00} which they claim was the difference and eventually i ended up paying to them to pay the supposed balance. I also had to pay taxes for the supposed losses they incurred on that vehicle to the IRS when i filled my taxes.

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 2022-02-02
Company: ZIONS BANCORPORATION
State: ID
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:
Zions Bank Corporation deliberately and unfairly charged my personal account overdraft fees in a discriminatory and XXXX biased manner. 

In XX/XX/2021 Zions bank charged overdraft fees for my account ending in XXXX the amount of USD XXXX and my account ending in XXXX the amount of XXXX. 
I disputed and paid these fees in full. The bank statements are attached. Zions stole my money. 

In XX/XX/2021, Zions again charged my account XXXX the amount of XXXX for a single transaction of XXXX dollars. Zions then proceeded to harass me with mutliple telephone calls and collection letters and put my name on XXXX XXXX, even though they were informed the charges were false. They also reported me to a collection agency and cost me an XXXX loan of XXXX. The evidence is attached. 

Zions bank favored rich white customers over poor blue XXXX workers including XXXXXXXX discriminations, including me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I submitted a dispute about a bankruptcy showing up on my credit report inaccurately. I got a letter back from Experian and XXXX on XX/XX/XXXX saying that it was verified as accurate from XXXX. 

I find this hard to believe as the only person who can legally verify this item would be the person or instution with first hand knowledge in this case the bankruptcy court itself. 

I have documentation from the court house saying they do not verify records with any 3rd parties or credit bureaus. ( see attached letter ) Not only that under the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) concerning 3rd parties or anyone pertaining to this particular situation I would have to give written consent and permission for them to report this on my credit file.. I have not consented to anyone posting this subterfuge. Not only is this information inaccurately reporting.. It is ILLEGALLY reporting. 

So I disputed with the credit bureaus again on XX/XX/XXXX exercising my rights under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate and verify this item. They have not respond and it has now been over 45 days. 

According to the FCRA in order for Credit Bureaus to report information on my file it MUST be 100 % Accurate and True. 

This inaccurate bankruptcy showing up on my credit report has caused me pain and suffering and has prevented me from obtaining credit to make a living for my family. 

I demand direct proof of the accuracy of this Account according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my credit report according to FCRA, Section 609 a ( 2 ). 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was compromised and money was taken out of my Wells Fargo account. There were also mobile deposit fraudulent checks that deposited into my account. I reported this Wells Fargo and they denied my claim. I feel that they have failed me as a consumer and do not see how this type of activity could of been allowed to go on for days without them freezing my account. I was scammed out of over {$2700.00} and nothing was done about it. This fraudulent activity went on from XX/XX/XXXX to XX/XX/XXXX. I already reported this to the police just want to have this taken care of and get some type of resolution.

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 2021-02-18
Company: EQUIFAX, INC.
State: AL
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 XXXX a block was added to my credit bureaus not allowing XXXX XXXX  to report inaccurate information on my credit file..XX/XX/XXXXi purchased a vehicle from XXXX XXXX for XXXX +title and taxes total amount that was finance was XXXX-XXXX  down payment XXXX i recieved my title in mail. XXXX i did a title loan with XXXX XXXX XXXX with a clean and clear title..did n't retrieve the vehicle lienholder is XXXX XXXX XXXX  and XXXX XXXX XXXX file suit in XXXX XXXX court house for XXXX and i had legal aid off alabama to represent me, and was told by XXXX XXXX that i didn't have to come to court because i had just got out the hospital due a serious health condition.I called Legal aid XXXX  that evening and was informed that I lost not to worry because as long as Im XXXX  XXXX XXXX wont recieve a dime.Now Im trying to purchase my first home And been denied over 7 times, due to XXXX XXXX is reporting to equifax inaccuracy on my credit file..I have filed in district court against XXXX XXXX and a block was added to my credit file equifax is still showing outstanding balance which isnt accurate ..I need for XXXX XXXX to be deleted remove vacated for reporting inaccurate information..The amount that i paid for the vehicle was XXXX with taxes and title XXXX that what is reporting my payment history that i recieved from XXXX XXXX is XXXX +XXXX down payment =XXXX but reporting amount finance is XXXX ..I been dealing with this nonscence for over 9 mos now..I called and spoken with XXXX on XX/XX/XXXX and was referred to OCC..OCC couldnt help me and I was told to submit another complaint with CFPB all im seeking is a fair judice and investigation with this matter so I can purchase my first home, URGENT time is running out soon. Im sorry for all the miss spells I have XXXX in my XXXX XXXX  and it very hard for me to keep submitting these complaints.Thank you again XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Transunion notes the status as never late for an account that was opened on XX/XX/XXXX, however, the loan servicer is only reporting monthly payment history for most months an " Unknown ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Transunion posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than XXXX different student loan accounts that Transunion has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Transunion allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. This appeared to be retaliatory because newer, undisputed loans originating in XX/XX/XXXX, XX/XX/XXXX report a status of " OK '' each month. Payment history is available and known and must be reported. XXXX has also supplied a document that states the payments have all been on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
on XX/17 I transferred {$7000.00} to my usaa card under a promtional 0 % APR good through XXXX XXXX XXXX. I made cash advances after that and then paid the amount or more of those cash advances XXXX weeks after they were taken. Those payments should have went towards the cash advances per the credit card act over my minimum payments since they are 14 % apr vs the 0 % apr on the other balance. Usaa is saying that because they have written in their credit card agreement that promotional rates are payed off before all other charges that they can ignore the credit card act. breaking federal law and are still charging me interest on my cash advances while my payments have been going to the original XXXX interest free amount instead of the cash advances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didnt get notification of debt from I C System prior to it being placed on my credit which is a violation of my rights as a consumer. Did not validate the debt. 

IC Systems Amount Due {$950.00} Date XXXX/XXXX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In case it matters, my mortgage is secured by XXXX. In the summer of XXXX, I took advantage of the XXXX XXXX mortgage payment forbearance. At least four times over the past 18 months, during the forebearance, I reached out to Rocket Mortgage to confirm that, since XXXX secures my loan, the " partial deferral '' option would be available at the end of the forbearance, where the total amount of the unpaid principal and interest payments is added to the loan balance, and becomes due either when the loan is paid off, or when the house is sold. I was very specific that I wanted to confirm that the deferral would be an option, not 'might ' be an option, and Rocket was equally specific in confirming this. I recorded all of these conversations. I even reached out to XXXX XXXX to confirm this, and they likewise confirmed that the deferral would be an option rather than 'might ' be an option. However, XXXX days ago I logged onto my Rocket account, and the only option they are offering me is a loan modification that doubles the term of my loan from 20 years to 40 years, and increases the total amount of payments by more than {$300000.00} over the life of the loan. I took another look at the XXXX XXXX website, specifically at XXXX XXXX XXXX, which seems to confirm that Rocket is failing to provide the required " partial deferral '' option. I called Rocket, and they said that they only allow the deferral if the consumer only uses 17 months of forbearance, not when they use the full 18 months of forbearance. I can't find any information online that supports this. I just want to begin paying my mortgage again on XX/XX/XXXX under the partial deferral plan. thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Persolve, LLC - Legal - Series 2
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX is reporting a collection on my credit reports for a auto loan I do not owe. They have never contacted me about this debt or given me the opportunity to dispute the debt originally. I have disputed via the credit bureaus this collection and sent a letter requesting proof of debt. They have no signed contract between myself and them proving that I owe this {$10000.00} amount. Secondly the company that responded to my request for validation from XXXX XXXX XXXX is Persolve Legal Group, LLP my drivers License and social security card are being furnished to multiple companies without my permission and as a current victim of identity fraud which is noted in all of my credit reports this is a violation of my privacy and civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
AS PREVIOUSLY EXPLAINED IN A " CLOSED '' COMPLAINT NUMBERED XXXX XXXX XXXX XXXX, A PAID EMPLOYEE AT CHASE BANK FRAUDULENTLY REVERSED {$890.00} DOLLARS OF A {$900.00} DOLLAR PAYMENT THAT I MADE TO XXXX XXXX XXXX ON XX/XX/XXXX. 
AGAIN, I DID NOT MAKE SUCH A CLAIM, AND CHASE BANK CAN NOT PROVE WHY WOULD I DISPUTE ALL OF THE PAYMENT EXCEPT {$9.00} DOLLARS? ESPECIALLY SINCE THIS PAYMENT WAS TO ZERO OUT MY EXISTING XXXX XXXX  BALANCE! 
AS OF XX/XX/XXXX, XXXX XXXX XXXX IS CHARGING ME THE {$890.00} DOLLARS THAT WAS REVERSED UNAUTHORIZED AND HAS LISTED IT AS A, " RETURNED PAYMENT, '' ALTHOUGH CHASE BANK HAS REPORTED TO THIS BUREAU IN THE ABOVE NUMBERED CASE THAT MY CHECKING ACCOUNT XXXX HAS BEEN GIVEN CREDIT FOR THE {$890.00} DOLLARS. 
THE ROOT PROBLEM IS THAT THE FALSE CLAIM SHOULD NOT HAVE EVER BEEN MADE. 
MY PAYMENT MADE SINCE XX/XX/XXXX WAS TAMPERED WITH, AND CHASE BANK IS RESPONSIBLE FOR ITS AGENT IN THE CLAIM DEPARTMENT WHO NOT ONLY PROCESSED THE FAKE XXXX XXXX XXXX  CLAIM, BUT THE FAKE RISE CLAIM FROM XX/XX/XXXX AS WELL!

Company response to consumer: Closed with explanation