BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Beginning on XXXX XXXX I filed a direct dispute with Transunion credit reporting regarding the following inaccurate items on my credit report : -XXXX XXXX and XXXXt show 2 late payments in XXXX. I was a XXXX XXXX XXXX, I did not have payments due. They did not take action. 
-XXXX XXXX XXXX loan closed in XXXX, I requested this be removed from my report as it met its maximum amount of time. They did not take action. 
-A BK that met its 7 year limit from XX/XX/XXXX, I requested be removed, they took no action. 
The file number for the online disputes is XXXX. I have also submitted letters ( XXXX and XXXX of XXXX ) with proof that I was a XXXX XXXX XXXX during the times in question, to follow up and have received no reply, and there has been no action to rectify my report with Transunion. In these letters I asked that some of the credit inquires from XXXX be investigated and removed as well, as they were not authorized by me. All other credit bureaus I asked for these corrections complied within 30 days. Transunion has made no effort to resolve the issues and it has been 8 months.

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 2019-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a computer hacker in my system at the time I accessed my bank account with Chase. They send a payment to a person named XXXX XXXX {$1100.00} using XXXX XXXX. 
I have no knowledge of this person it was a case of computer fraud, where the hacker was mirroring my IP address. 
I reported the case immediately to Chase bank, originally they gave me a credit, but they just reverse the credit saying the investigation found out it was the same login and IP address as I used. Well this is what I have been reporting. 
I would like Chase to reverse the transfer as it is a bank fraud Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed the information through the credit bureaus and the company Capital One has stated the information is correct although it is not. The account has been sent to another company and is no longer with Capital One. The credit card account is showing that an amount of {$480.00} is owed to Capital One. When I contacted them to resolve the matter they informed me that they no longer have the account. 

If the account is no longer with them and has been bought by another company then it is only right that they report the balance is XXXX with them which they are not. I would like this issue to be resolved immediately because I am in the process of purchasing a house and this is a blemish on my credit file that can be easily resolved with reporting correctly. 

Due to this error I would like to have this information removed from all three credit bureaus. The company 's investigation proved not to resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Premier Student Loan Center
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
In XXXX of 2018, I received a call from Premiere Student Loan Center saying that I could enroll in a Loan Forgiveness program where I could pay 5 enrollment fees and then start paying {$10.00} a month until the payments were complete and that would pay off my {$10000.00} student loans. When I tried to contact someone in regards to switching methods of payments, all emails that I emailed were inactive and no one was answering the phone number that I was provided. When I finally reached some one over the phone, they told me that XXXX XXXX, the lady that I originally spoke with to set this up, was no longer working there and I was put in contact with a new person by the name of XXXX XXXX. I asked him to transfer me over to the payment services department so that I could discontinue my services with them, he hung up in my face and has not answered my calls since then. I am totally mind blown at the news and reviews that I have received about this company and the " SCAM '' that they on running. I would like to get in contact with someone from Premier Student Loan Center as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to go onto the website ( again ) after making sure my initial deposit transferred, and it would not allow me to log-in. First I tried to fix the password on the website, but it would not take my information. It kept saying it did not work. Then I tried calling, but could only reach an automated call. The automated call said I could not talk to a HUMAN unless I had the account number OR my social security. Since I never received anything to do with my account through the mail, I had no account number other than my card. After trying and trying my social security number it said it had no record of my social security NOR my card number! I am not " allowed '' to speak to a human??? REALLY? So I can't log in online, and I can't speak to a human, and they have no record of me!?? What on earth??? I've tried over many days, and now I need to go into the bank ( which I have a feeling they will say they do not manage the website ). I think this is the WORST way to treat people that are obviously in desperate need to access their XXXX   money.

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm stating my complaint because I've sent a letter of debt verification to the company and I didn't hear anything back, its being reported on my credit report and its Damaging me my chances of getting approved for a mortgage, I've sent letters multiple times and still haven't heard back from the company or Creditor. XX/XX/2023 is when I sent my recent latter. if can't be verified please I request you remove it off my credit report that would much appreciated on few accounts it reports as I owe {$14000.00} and on other is reporting {$11000.00}. please I request for deletion of this account if can't be verified.

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 2017-09-19
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a check in the mail from Barclay Card XXXX XXXX stating if i did a balance transfer before XX/XX/XXXX i would get a 1 % transfer fee and 12 months interest free on that balance transfer. So i did it on XX/XX/2017 and it reflects on my statement that it was posted on XX/XX/XXXX. I was charged on my next billing a transfer fee of {$100.00} and a interest fee of {$9.00}. on my next billing i was Charged another interest fee of {$75.00} and a separate interest of 2.93.. I called and complained about it and explained what i had done with the check via mail and was not supposed to be charged all this interest every month. They had no record of the check that was sent by mail as i have to pay interest on the balance transfer. So in XX/XX/XXXX I immediate closed my account with them and paid off the balance including all the interest they have charged me so I would n't have to deal with them any more. they said the complaint would take 7/10 business days. When i called on the XXXX day they said it could take up to 45 days. I want all my money back including my initial balance transfer fee cause i never took advantage of my no interest rate of zero percent for 12 month. I had to pay a fee to another company to transfer my money to them. Oh and this is funny I now got a bill with an interest of {$27.00} for the XX/XX/XXXX statement when I had a zero balance. I have uploaded offer letter and last statement. Due to me not having my account open it wont let me download my other statements. Please help me cause this company is not knowing whats its doing to consumers like me and just taking advantage of us poor people.

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 monetary relief
Consumer complaint received 2021-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted my lender ( SPS ) on XX/XX/2021 for a loan workout because I have new financial situation, I have XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. But they said there are no options available for me except shortsale or foreclosure. Also that there is a foreclosure moratorium right now in California until XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach and the black market, I need these to be removed.

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 2018-05-23
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: Information belongs to someone else

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: ADIR INTERNATIONAL LLC
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:
XX/XX/2014 i was in custody for a few days at the time this account had been opened, i spoken with the creditor and debt collectors along side with XXXX XXXXXXXX and FTC. I'm dealing with different kinds of stolen identity issues and this is one of them i have not had the chance to verify my identity until i had spoken to the IRS regarding other issues including this one. i have followed the right steps, credit freeze etc. 




this document is my past of XXXX time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX  XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/2017 and XX/XX/2017, then after the disputes it will say 30 day late XX/XX/2017 XX/XX/2017, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.

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 2021-02-11
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for help from Mass Atty General they arent helping!

During the beginning of the Covid pandemic the news said to check with your Mtge co to see what they will do to help, I called to see what options were available in the event it was needed! I have been going back n forth via emails,,,,, phone calls to them arent easy. Now they are demanding $ XXXX be paid in 2 months. They will do nothing to help but the payment plan thats insane paying back that kind of money in such a short time during this pandemic. The rep DID tell me that this has happened to other customers just an FYI this bank is deceptive when i called it didnt state that pressing such buttons will change your account which is what they told me when I inquire, now they want to forclose on my family home I am on XXXX I have a life ending XXXX and this is just too much for me. Please help us! 






I have been going back n forth via emails phone calls to them arent easy. Now they are demanding $ XXXX be paid in 2 months. They will do nothing to help but the payment plan thats insane paying back that kind of money in such a short time. The rep DID tell me that this has happened to other customers just an FYI this bank is deceptive when i called it didnt state that pressing such buttons will change your account which is what they told me when I inquired, now they want to forclose on my family home I am on XXXX I have a life ending XXXX and this is just too much for me. Please help us! l - [ ]

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 2019-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is a debt buyer who is misreporting to at least XXXX, XXXX  and XXXX, a debt they bought from XXXX XXXX XXXX, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XXXX, XXXX. Portfolio lists the debt on the credit reporting agencies as of the date they bought it from XXXX XXXX, which was around XX/XX/XXXX. 

Although I have had numerous phone calls and letters exchanged with Portfolio, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Navient Solutions, LLC.
State: FL
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:
I started school with XXXX in the program of CDD which was computer aided drafting and design. The school had tactics that lied to me. Stating that they were only taking part of what was in the loans because financial aid would cover the rest. They took all the loans for all the period I was with them. I never saw any of the paperwork that we 're getting me to sign. They would make me sign it or I could n't attend classes. I graduated in XXXX of XXXX, started in XXXX of XXXX. Can not get a job in the career I studied. And now can not refresh my studies like they promised to be able to try to get a job in my career. All products were highly outdated. School teachers did n't even have the credentials to be teaching. I even taught a class in their teachers absence because I had good knowledge and a XXXX gpa in classes. The loans are a joke. The initial loan was a little over {$25000.00}, now it 's over XXXX just interest has doubled it. I have made payments when it was XXXX XXXX, but then they changed to navient and they show as if I have never made a payment to them. I 'm sick of being harassed about deferment, because I ca n't get a job in my career.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: IN
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:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, XXXX breach and the black market, I need these to be removed.

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 2018-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America stated that my account has been converted from eChecking account to an account where it requires {$1500.00} monthly balance. I was not aware of the change, until I looked at the recent statements, where it shows two, $ XXXX monthly service charges. When I called the customer service line, they stated they were not able to waive the fees.

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 monetary relief
Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
Bank of America recently added XXXX XXXX XXXX to their online banking and with out my knowledge or authority a unknown person hacked into my online banking accountant and swiftly transferred all the available funds remaining in my checking account. I became aware of this {$1500.00} transaction on XX/XX/XXXX around XXXX and immediately contacted Bank of America 's Fraud/Claim 's department and they put a hold on the account to review the claim. After waiting beyond the 10 days they promised to do the review of the claim, they stated on XX/XX/XXXX after i contacted them, that the claim was denied. It is unclear the extent of the investigation they did on the claim but it was denied. At the beginning of the claims process Bank of America was informed that my Employers computer system was compromised with Ransom-ware and most likely the cause of how my online banking account was hacked into.

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 monetary relief
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm writing in a response to a recent debt verification request from me to XXXX XXXX  and credit bureaus. I requested debt verification for a signed agreement with original creditor and or agreement with XXXX XXXX XXXX XXXX  that they have a legal right to collect the alleged debt. since over 60 days ago but no response until I file a complaint through cfpb. On XX/XX/2022 I received a letter in the mail showing just a billing statement and not any signed agreements or application from the original creditor or any agreement that I had signed a contract to pay XXXX XXXX XXXX if original debt is not paid. If this information can not be furnished in a timely manner pursuant to the fair credit reporting act, it must be deleted from my credit file immediately. Also attached is a letter requesting more detailed info from XXXX XXXX XXXX. Please send information I requested via usps to my mailing address. Lastly the account information that is furnished on my credit file is totally different from the statement i received from original creditor. This is misleading information and needs to be deleted from my credit file because this information was not furnished properly Thanks Sincerely

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