BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX 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 non-monetary relief
Consumer complaint received 2021-12-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Account being accessed from other devices than mine using the same login credentials transactions that do not show up on my transaction history cards added to a mobile wallet that I did not authorize crazy fluctuation  of balances and unable to self-service the account through all my banking for example in reporting my car lost or stolen

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 2022-01-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
reporting a 30 day late payment for XX/XX/XXXX on a CLOSED XXXX XXXX Mortgage account on my XXXX and Equifax Credit reports. 

I have a letter from XXXX XXXX dated XX/XX/XXXX that says clearly in ( black and white ) that I was never late for XX/XX/XXXX. 

Why is this still showing on my reports? I know it's old but it still is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: EQUIFAX, INC.
State: NV
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:
Incorrect addresses on 3 credit bureaus Please remove all addresses from XXXX off my credit file i have livex in XXXX XXXX XXXX 10 years. The only address i am associated with in XXXX   is XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX any and everything else is fraud please remove. Havent lived in XXXX since XX/XX/2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have paid of my Capital One auto loan and the account is now closed. I am owed a refund for GAP insurance from Capital One. I have contacted XXXX XXXX. ( the dealership where the vehicle was purchased ) and informed them that my Capital One auto loan has been paid off. Both, myself and XXXX XXXX. has completed the form needed to process the GAP insurance refund and this information was sent to Capital One. I have contacted Capital One several times for the status of my refund and they constantly refer me back to XXXX XXXX. for my money. XXXX XXXX. has stated the funds will come from Capital One. I need the help of CFPB to get the refund I am rightfully owed from paying off my auto loan 3 years in advance. The customer service department at Capital One refuses to let me speak to the office of the XXXX to file a formal complaint about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently tried to purchase concert tickets from someone selling them online through XXXX. The XXXX hanlde of the seller is @ XXXX. I sent them {$450.00} through XXXX, an online banking transfer company that is directly connected to my bank, Chase. The seller is using the email XXXX through XXXX to accept the scam payment. 

The seller claimed to have transferred the tickets through XXXX to my email associated with my XXXX account but I never received them. The XXXX order confirmation number that the seller gave me is # XXXX. The original email that the seller used to purchase is XXXX ( or XXXX or XXXX ) and the original ticket order number is # XXXX. The last 4 of the Visa credit card used to purchase is XXXX. 

I contacted XXXX, Chase, and XXXX. All companies said there was nothing they can do to help me get my money back. Chase and XXXX stated that they had no way of canceling the payment even though it was still pending when I attempted to cancel. They both told me that there is no fraud or scam protection that they can provide on these types of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with XXXX for {$6600.00}. I'd really appreciate it if this was taken care of and removed 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 2021-12-08
Company: EQUIFAX, INC.
State: CA
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 am XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX XXXX Inquiry Date XXXX/2020 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: AES/PHEAA
State: TX
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 graduated law school in XXXX, XXXX. I consolidated my loans and signed a promisory note on XX/XX/XXXX. AES was the servicer. The note says the total amount consolidated is {$43000.00}. But on the Servicer 's ledger ( Financial Activity Summary ) original amount consolidated is {$46000.00}. The discrepency is amount is {$3500.00} higher than on the promissory note. The additional amount was added onto the subsidized loan. 

I paid my student loans off in XXXX. I paid large lump sum payments in XXXX, XXXX and XXXX that should have been applied to the principal. But instead, they were used to pay interest and principal. 

I only have part of the Financial Activity Summary, but so you know, the lump sum payments I made were divided and some were applied to the subsidized loan and some to the unsubsidized loan. 

Please help me get this fixed. This loan was paid off years ago. It wasn't until a few years ago that I received a collection call and then discovered that the Servicer showed me to owe a few XXXX dollars when I last paid the loan. That few XXXX and turned into over {$14000.00}. I believe that the inaccurate ledger of AES, the servicer is to blame for the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had student loans via Sallie Mae, and now Navient took over. I am a XXXX XXXX XXXX in a XXXX XXXX building where ALL XXXX  receive free lunch. I would hav qualified for all of my loans to be removed due to meeting all the qualifications for XXXX  Loan Forgiveness. I have never been a day late and they charge 8.25 % daily interest rate. I will have paid over {$500000.00} in the end for an {$85000.00} loan. This is CRIMINAL in my eyes and in the eyes of many! Due to Sallie Mae/Navient being a private lender I was informed on 3 occasions that I don't qualify for the forgiveness. They refuse to work with you to lower interest rate also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
After contacting the Securities and Exchange Commision ( SEC ) I was told that XXXX XXXX  XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was delisted and no longer a security. XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX brought a Foreclosure action v. XXXX XXXX XXXX on XX/XX/XXXX. It is still in Court. XXXX XXXX XXXX XXXX XXXX, Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX was just granted the right to enforce this mortgage of {$180000.00} on XX/XX/XXXX even though the Security was delisted by the SEC. XXXX XXXX XXXX complaint is that this is an invalid Asset-Backed Security that XXXX XXXX XXXX XXXX has no right to enforce. The Court of Common Pleas in XXXX issued a ruling in favor of myself ( XXXX XXXX XXXX ) in XX/XX/XXXX, and rescinded the refinance.XXXX  committed a Truth in Lending violation at closing in XXXX XXXX properly and timely informed XXXX to rescind the refinance. XXXX XXXX XXXX was given the wrong Right to Cancel Form for this refinance of a previous XXXX XXXX. I would like XXXX XXXX XXXX XXXX XXXX, as Trustee for the Registered Holders of XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass Through Certificates, XXXX XXXX to be restricted from enforcing this Note on his residence in Pennsylvania. XXXX XXXX XXXX XXXX was fined {$7.00} XXXX dollars in XX/XX/XXXX. {$4.00} XXXX was supposed to be allocated to reducing Principal and their loan Servicer XXXX XXXX  was fined {$2.00} XXXX dollars recently. Neither entity has offered to help homeowners like me reduce Principal on this invalid Security. Your help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Nelnet, Inc.
State: WI
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:
As a result of the ongoing COVID forbearance, I'm now considering pursuing forgiveness through the PSLF program. During the COVID forbearance, I went back to school and enrolled full-time. I was also working full-time at a PSLF-eligible employer . I asked Great Lakes to remove the in-school deferment on my account and they said that they can not remove the in-school deferment status since it has already ended. I am frustrated because I want that year of non-payments to count towards PSLF like it would had I not gone back to school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: WELLS FARGO & COMPANY
State: NY
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:
Last month, I found my card information has been stolen, so I contract my bank ( Wells Fargo ) for help, they replaced the card for me and did the investigation. However, after they processing the inquiry, they only gave me parts of the money back, and determined the charges of {$7700.00} on my account was authorized or the processing error did not occur, and closed my case. I searched these companies which I transfer money through, they are all Online Money Transfer, here I attached the file for transaction records, including the financial platform, dates, amounts of transaction amaounts. 
For your convenience, I listed these XXXX companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you so much for your help. Please feel free to contract me through email : XXXX or phone : XXXX. 
Thank you so much for your help.

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 2021-12-08
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've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.

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 2021-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Im A victim If fraud identity theft never applied for chase freedom Account which was opened And showing on my credit as closed and opened by me when I never applied tried calling Them they deny my claim claiming I said its mine my identity was compromised And this must be removed from my credit and internally in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I logged into my TransUnion account. They sent me a passcode. I put in the correct passcode, pasting it in. They said they could not verify my account and locked me out. I spent a good part of this morning trying to get in via customer service, and they were unable to confirm my identity, get me into my web account, or remove my credit freeze. 

They had a girl with an abysmal accent on a bad phone connection ask me multiple-choice questions from my credit report to try to verify my identity before they could help me. I could not understand her, so I could not answer correctly, and I failed to validate my identity. Is this really the only recourse they have to quickly confirm my identity over the phone and get me into my web account or at least temporarily remove the freeze? 

I was greatly inconvenienced, delaying and possibly missing three deals on two credit cards and a new mobile account and phone. 

I went in tonight to create a new account at TransUnion, which, surprisingly, they quickly and easily let me do. Now how is it that they can't verify me to let me into my current account, but their automated system let me create an entirely new account in seconds with less information? So a hacker could have gained full access to my credit history by creating a new account? 

Pardon me but XXXX?! 

I worked in customer service years ago, and this is unacceptable. Now I have to get them to either merge the two accounts or get me into the old one and delete the new one. They even charged me for a new credit report. I did not order a new credit report. I created a new account with them. I already got a free credit report at their suggestion. Why would I pay for one? This is highly unusual and entirely unacceptable. 

What are you going to do about it?

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 2021-02-17
Company: EQUIFAX, 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:
since i found out that I have quite a few fraudulent accounts on my credit report ( under different names and addresses ) i been trying to remove them from my credit report. all these accounts aren't mine, they were open under different names and addresses between XXXX to XXXX. Account name XXXX Account number XXXX XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX CARD  Account number XXXX Date opened XX/XX/XXXX Show more Account name XXXX  XXXX  XXXX  Account number XXXX  XX/XX/XXXX XXXX XXXX XXXX every time i called the XXXX, Equifax and XXXX  credit bureaus, they tell me something different non sense. please help me to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I took a call about reducing my rate - when I got a persona I asked them to stop calling me as I get these call almost every day. The person on the phone argued with me about my credit card debt, said they were from my CC company 's billing department, and why didn't I want to reduce my rate? I repeatedly told him I don't want any more calls then hung up on him as he tried to argue more. 

If it is my CC company it is Chase and the card is an Ink card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 60 120 days past due on the XXXX partial account numbers XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 14 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : 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 non-monetary relief