BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-28
Company: Exeter Finance Corp.
State: MI
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:
Applied for one car loan and the dealership ran my credit through several banks without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone transfered {$2400.00} from my chase account to XXXX XXXX account on XX/XX/2017. I filed identity theft report to XXXX and they have completed their investigation and closed the account. I never received the money back from XXXX. Chase claimed that XXXX never transfered the funds back, therefore, I am responsible for the money. Since then, it has been more than a year, I can not get the two banks to work together to resolve the issue. I still lose my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello around the end of XX/XX/2023 as I was going through my credit report I noticed some violations. 15 U.S. code 1681s-2. There was no written permission from XXXX XXXX XXXX to have anyone published at all.

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 2021-04-01
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: VA
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 contacted XXXX and Experian several times about a chapter XXXX dismissed bankruptcy that is on my credit report. I have contacted the company XXXX XXXX in which they state that they verified ; however, XXXX XXXX does not have it in their file as it isnt mine. XXXX nor Experian will provide me verification letters.

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 2022-08-05
Company: Navient Solutions, LLC.
State: NY
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:
Upon looking into my payment history and my account in general I have noticed several areas of discrepancy. I have not requested years of forbearance yet there are years or forbearance periods on my account. I have had this consolidation loan with Navient formally XXXX XXXX since XX/XX/XXXX. I XXXX  college in XXXX. Yet instead of having repayment each year I have huge gaps in my repayment using forbearance that I did not request, the first being from XX/XX/XXXX XXXX when it then states I entered repayment. Then I have Forbearance periods for a month or 2 in-between repayments until XX/XX/XXXX when against my knowledge I was placed in Forbearance status again this time from XX/XX/XXXX to XX/XX/XXXX. ( during COVID ). I am a family of XXXX and have had a " XXXX '' payment each time I have recertified my plan so there is no reason that I would request forbearance since my income has remained stable. I am more that happy to provide family size and tax return information during the years of unauthorized periods of forbearance. I have called and attempted to speak to representatives who hang up on me. This is unacceptable practice and if not resolved I will be seeking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX and Experian are reporting inaccurate information on my XXXX XXXX credit card account. See attached info

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 2018-10-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage account with Wells Fargo. 
6 weeks back - i asked this question that if i recast my loan with $ XXXX upfront payment what will happen? 
I got a very useless answer with no specific points but something like " may be you will pay more interest '' ... ever since then i am behind this bank and asked very specific questions : 1 ) will i pay more interest or less interest if i recast with $ XXXX upfront payment keeping the loan term ( tenure/period ) the same. 
2 ) Provide me the entire data - principal as well as interest and lets say if i am doing it from XX/XX/XXXX or XXXX XX/XX/2018. 

Nothing has come out. When i called Wells Fargo..they transferred me three times and 4th time the transfer couldn't happen because XXXX was not there. 

It's very lousy, inefficient bank and good for nothing. They have outsourced all the jobs and really very difficult to work with.

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: 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: Was not notified of investigation status or results

Complaint:
3 Rounds of dispute letters have gone to the credit bureaus - XXXX, Experian and XXXX  about the removal of the negative and false information on derogatory accounts being reported on my credit report but I DID NOT GET EVEN A SINGLE RESPONSE from them. These are the accounts I am talking about : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX I Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : 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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2023-01-11
Company: Resurgent Capital Services L.P.
State: KS
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:
Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
State: NJ
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 disputed inaccurate items on my credit report dating back to XX/XX/2018. Equifax has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet Equifax hasn't deleted or mailed by results to me. Equifax has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I updated my information. The debt was charged, paid off years ago. I paid off the credit card myself. I am no longer employed now for 7 years. They say on the site i am still working which is untrue. I dont live at those addresses on the site, they say i do. The information is all untrue. Please remove the old debt off of the credit bureaus from all three. XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: PA
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 sent letters to the respective agency last XX/XX/2022, but up until now I haven't received any repose from them. I am very stressed right now and I felt being ignored and being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company tries to intimidate, leaves threatening messages with false information and has called relatives of mine several times, even after being told to not call because I dont speak to most of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I Have had a chase checking account with Jp morgan chase for 9 and half years and i get a letter in the mail that they are closing down my checking account and credit cards by XX/XX/XXXX, when I tried writing them a letter and contacting them they told me theres nothing we could do. looking over my account I dont see anything I have done other then basic shoping purchases that would warrant my checking account to be closed this is a big hassle and is stopping my going about my daily life. I tried explainin g to them that this was a mistake on their part and they should submit it for review but after they did a review they are still going ahead with the closure of my account very upsetting please remove this restriction and have a nice day thank you please ask them to reopen my credit cards and checking account even just a checking account being reopened is fine this is very frustrating thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Huntington account in XX/XX/2018 with a {$200.00} bonus offer. The requirements were you had to make a {$1000.00} in deposits within 60 days and keep the account open for 90 days. It did NOT specify what type of deposits, it did state that you could NOT transfer money from another Huntington account as a deposit. I met the requirements and inquired about the bonus, I was told I didnt meet the requirements because I did an online transaction from XXXX to transfer funds to Huntington. I called 3 times! The customer service reps were extremely rude and I asked to speak to a supervisor, I got disconnected or hung up on the second time and the 3rd I was on hold for a long time so I hung up because I was so frustrated and could not get anywhere! I have screen shots of the requirements and no where does it state you can not do online transfers or Deposits! I want this situation rectified and an explanation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Message : Hello! I am bringing to your attention my case against coinbase.Basicaly i have both wallet and main account with them.I hold some cryptocurecies with them witch i hope of some profit later in the years to come.Reason i have contacted you is because i transfered some funds from my coinbase wallet to my coinbase main account and the money never reached my account and my wallet is empty ( had an error due to some sort if miner fee, and after the coinbase customer support advise to unistall and install the app again the funds gone missing ) I tried to contact coinbase and they gave me a ticket number but instead of giving me my money back they refused to respond my emails.Please find bellow the case refference number from coinbase : Case # XXXX - transferring funds from Coinbase wallet to Coinbase I belive you are the most appropiate institution to speak in order to get my funds back! 
Thank you for your time reading this, and looking forward to your reply!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28
Company: EQUIFAX, INC.
State: AP
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 have disputed the late payment XXXX XXXX for months. XXXX   and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: MORTGAGE CORPORATION OF THE SOUTH
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into a mortgage at a 20.70 % interest rate I have tried to work with the company.They put a block on my account when I was only 60 days behind .They foreclosed on my property but had to reverse it because they didnt notify us .The loan was in negative embolization From the beginning which they are designed to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Mailed letters to XXXX Transunion, and XXXX  on XX/XX/2021 about these violations, inaccuracies, incorrect, errors, and inconsistent report on my credit profile. According to the FCRA the reports should be 100 % accurate and the accounts on my report are far from 100 % accurate. Also I have not received any letters in the mail about this matter in a timely matter and that is another Violation according to the FCRA. Something needs be done and they need to be held accountable for their actions.

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 2017-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted Capital One Auto Finance on Monday, XXXX XXXX, XXXX to inform them of an extended financial hardship due to the recent disaster called XXXX XXXX. I am currently on a payment plan and have a payment scheduled to be debited on XXXX XXXX, XXXX. I called Capital One Auto Finance to seek further assistance due to my inability to work which affected my financial circumstances as a direct aftermath from XXXX XXXX. The representative advised that I would owe {$860.00} on the scheduled draft date or be subject to escalation measures which includes repossession of the vehicle. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has declared the areas where I live and work as disaster zones which creditors are made aware of. Being that I will not receive compensation to meet the demands of Capital One Auto Finance in less than a week, I am afraid to loose possession of my vehicle which helps me to transport to and from school and work daily. I have been working hard to maintain the original loan agreement even though my current pay rate is 60 % less than what I earned at the time of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Bread Financial 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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 do not recognize this credit XXXX account on my report. Its not my account. I believe this account is fraudulent. I disputed this with the credit bureaus and they verified it as accurate..

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 2021-03-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a Bank of American customer. On XX/XX/2021 I used a Chase ATM to withdrawal {$500.00}, however, the money did not come out. I received a receipt showing the withdrawal but it stated We arent able to give you chase right now. I immediately pulled into a parking spot and called the number on the receipt but was told I had to take it up with my bank. Once I got home I called my bank so they opened up a claim to get my money back. I waited a few days then called my bank and was told Chase denied my claim indicating I got the cash out of the ATM. XXXX  XXXX XXXX then asked me to write a letter and fax the letter and ATM receipt to them so they can reopen the claim. To date, Chase has not given me back my {$500.00} so I need to take the next steps.

Company response to consumer: Closed with explanation