BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-29
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:
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX..Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have {$180.00} in overdraft fees on my account for which I do not understand how BB & T calculated. I know that BB & T is causing delinquency in accounts in order to charge overdraft fees. This is unfair and deceptive!!! I contacted BB & T regarding the overdraft fees assessed to my account on XX/XX/XXXX and explained the problem with the fees that I did not know I had until this morning. The customer service rep at the 1800 number stated that she would escalate my call and someone would contact me in three days. On XX/XX/XXXX, BB & T called and left a message to which I called back and spoke to XXXX. I explained to her that I did not think the fees ( overdraft ) were valid and I wanted to know how the bank came to this calculation. When I logged into online banking my account was in the positive ( see attached ). XXXX proceeded to explain that each night BB & T recalculates balances and what you see on your online banking is in fact not correct. She stated that the bank posts on the site the following : " Daily Posted Balance : The posted balance after nightly processing is completed. Please note that transactions are paid from your Available Balance according to our posting order, and that the Available Balance may be different than your Daily Posted Balance. Important : The Daily Posted Balance does not reflect all pending transactions and fees and should not be used to determine how overdraft fees were assessed. '' So I asked how would I know ( the consumer ) what my available daily balance is when what you show is not accurate? How would I know you recalculated the balances when I can not see this taking place? XXXX proceeded to say that you would not know because BB & T recalculates the transactions. XXXX also stated that the {$200.00} mobile deposit was not available on XX/XX/XXXX ( 2 day hold time ), for which I understood to be available for withdrawal on XX/XX/XXXX. That is fine but why did they calculate the {$200.00} mobile deposit in my balance on XX/XX/XXXX when they knew the funds could not be withdrawn until XX/XX/XXXX. Also when you look at my view of my account ( statement and online banking ) there is no way for me to know what my " BB & T stated '' balance is since it is so different from my " online banking '' account balance. Due to this entire mess, I was assessed fees which caused my account to go into the negative to assess additional fees. XXXX tried her best to explain everything but the balances do not add up. I would like the fees in the amount of {$180.00} be refunded. I have attached my bank statement from the month of XX/XX/XXXX that do not show what my balance is as well as my online banking view for XX/XX/XXXX to show what my balance is. There are back end calculations done on accounts that the consumer does not see and it is deceptive and unfair to continue charging overdraft fees to make a account go negative to get more money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: CA
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 XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Pacific Union Financial, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
LOAN WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX CLAIMS DEPT XXXX. 
our mortgage was sold off from XXXX XXXX to this banking institution. 
we had some storm damage to our home. our XXXX XXXX policy will cover the damage with no problems and have been very helpful. This company now wants us as a home owner or our XXXX XXXX XXXX to pay for them to send out inspectors to inspect the home once work is complete. so we have to come up with {$100.00}. When I discussed this with our XXXX XXXX agent he said in 25 years as an adjuster he never heard of a home owner having to pay for a inspection fee nor as an insurance company. 

I think this may have some legal ramifications and need help from an agency to check into this customer gauging. Can you assist or get us to the correct party? 
. 
Thank you XXXX family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: JPMORGAN CHASE & CO.
State: NV
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:
On XX/XX/2022, AT XXXX, I became aware of, and immediately reported to Chase Bank XXXX a {$1800.00} unauthorized XXXX payment to a XXXX XXXX with the email address XXXX. 

I did not authorize the {$1800.00} XXXX payment to XXXX XXXX nor did I input XXXX XXXX into XXXX as a payment recipient. 

i have never furnished my Chase Bank account USERID or password to anyone and I have not been the victims of a scam in which their USERID or password has been compromised. 

On XX/XX/2022, I initiated a claim # XXXX with the Chase Bank claims Department. On XX/XX/2022, I called the Chase claims department and was told the claim for the return of the unauthorized {$1800.00} XXXX payment was denied because the claims department " XXXX '' found no flags or triggers indicating fraud. 

A review of the JPMorgan Chase & Co XXXX XXXX XXXX profile clearly shows that Chase Bank is aware of thousands of Chase Bank customers complaints about rampant fraud on the Chase Bank XXXX platform. Chase Bank routinely denies account holders request for refunds for unauthorized XXXX transactions and blames the account holders for being responsible for the fraud. Chase Bank appears to have made a business decision not to comply with the requirements of 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) relating to unauthorized XXXX transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase closed our checking and savings account saying they are suspending my husband 's unemployment funds, when he provided documents proving he is receiving these funds and they are legitimate. They are suspending the funds. We have went to the branch proving this and still no resolution. I have been a customer of chase for over 10 years, without so much as an overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Citibank XXXX XXXX Credit Card. I received a refund on a purchase for a large sum of money, ~ {$12000.00} that I had previously paid the balance. Now I currently have a negative balance on my card, ( Citibank owes me this money ). I contacted them XX/XX/XXXX to send me an electronic transfer for the money owed to which they said they would. I have since followed up with their customer service department 3 more times ( 4 times total ), to which they keep saying it will be another 3-5 business days. This has been ongoing for a month now to no resolve. I really need help retrieving this amount due.

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 2022-06-12
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:
The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states A consumer reporting agency can not furnish an account without my written instructions. 


I have sent several Disputes to XXXX, XXXX and Transunion about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed. 

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.

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 2017-10-17
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:
My purse was stolen in XXXX XXXX last year, few weeks later I noticed a hard inquiry from XXXX for a credit card which I did not initiate. I sent proof to XXXX of the theft and police report and they agreed that this was fraudulent, they told me they would notify Equifax which they did. Equifax still has not removed the hard inquiry from my credit report. I have sent all supporting documents to Equifax via XXXX XXXX and I have not had this issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Wells Fargo home Mortgage submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A Wells Fargo Home Mortgage submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was {$160000.00}. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with Wells Fargo with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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: Personal information incorrect

Complaint:
I have recently written into all 3 bureaus asking that my personal and demographic information be updated correctly. This was requested in writing via certified mail and TRANSUNION, XXXX and XXXX has not made any effort update any of what I requested with supporting documents.

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 2017-10-17
Company: EQUIFAX, INC.
State: KY
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 am still disputing a charge that was placed on my credit report with two different collection agencies for the same charge. XXXX and XXXX property management/investment group place an eviction from XXXX on my credit report. They placed it with XXXX XXXX XXXX, who reported it twice to my credit report and they also placed it with XXXX XXXX XXXX, who also placed it on my credit report twice. I 've finally been able to get each company to remove the duplicates that they originally placed, which still leaves me with one mark from each company for the same exact thing. I have tried going through the credit bureaus to get this fixed but they keep placing it in dispute without ever getting anything fixed. I reached out to the original creditor, XXXX and XXXX and after many phone calls and emails, I have still not been able to contact them. It 's bad enough that due to this I was hit 4 times on my credit for the same thing. I though it was illegal for this type of thing to go on. At this point I am very frustrated and I just want for these collections to be removed. They fall off my credit in XXXX anyway. At least delete one of the entries. No need in double the debt showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have a credit card with XXXX XXXX XXXXt which uses XXXX XXXX as their debt collection. My minimum payment is {$40.00} and they call the very next day after the payment was missed 10 to 15 time a day. On XXXX XXXX, 2017 they called me 12 times starting at XXXX XXXX. I 'm making my payment today, and I understand I 'm the one that was late paying it, but I 'm feeling harassed by the phone calls every hour all day. In the past 6 days they have called me 46 times to collect the minimum payment. I do n't even want a phone anymore. I have addressed this issue with them over the phone before about the excessive phone calls, and they stopped. I just feel this is inappropriate to call someone that many times in 1 day. It gives me XXXX when I see my phone light up, I ca n't even have my phone on ring anymore. I have my complete call history from XX/XX/XXXX and since the due date they have called me well over 70 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I received a moratorium for about 5-6 months from nelnet. But im still struggling to keep up with my financial problems. My student loan is making it unbearable to be happy in any circumstance.I Have an empty refrigerator for the last 6 months.. Btw my Associates degree that i majored in is not being utilized.Never had been! Please help in any way you can, so i can take a little breather, and go grocery shopping or let me purchase new underwear and socks, that's needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
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 borrowed a *single* loan with One Main Financial for {$4900.00} that originated on XX/XX/XXXX after interest charges were added the payoff amount would then become {$7.00}, XXXX for a *single total payoff, in which I agreed to pay. I paid the loan off in full in XX/XX/XXXX. Upon paying it off One Main Financial gave me a receipt stamped *paid as agreed*. Shortly there after I needed to have my credit pulled to rent a home and what I found on my credit report was One main financial the loan originator took what should have appeared on my credit report as a *Single* account and they reported it as *2* accounts with *2* different account numbers showing one with the amount I borrowed {$4900.00} as *paid/XXXX* balance and the borrowed amount along with its finance charges which made the loan a total of {$7.00}, XXXX yet this was reported as a second account with the payment status reported as *paid, was a chargeoff*. I went to the local branch office I took the loan out in and asked why had they reported my single loan as two loans as well as why the payment status was reported it differently. I explained how it was effecting my credit score and the One Main Financial representative just said " We only have one closed account in our system for you and they didn't know why it was reported that way. '' My first thought was that someone in there office took an additional loan out in my name but after I had located the payoff paperwork I realized what they had done. I went back to there office but again they wouldn't help me. I tried disbuting it with the credit bureau but found no resolve there either. So I contacted One Main Finacial head quaters to express my grievances and frustration with the falsely reporting that was done and I was met via phone with a rude and disrespectful agent. Who basically told me so what I can't do anything about it. Then she told me to send here proof of the inaccurate reporting on my credit profile and they would correct it if they made that mistake but she was sure they hadn't. So I sent a copy to them and well needless to say its almost XXXX and it still affects my credit raiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: NC
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 froze my Equifax info since they obviously can not be trusted with my personal information. Today, I needed to lift the freeze temporarily to conduct business - just allow a bank to pull a credit report. To start with, there are no phone numbers or email/chat numbers for communication provided for what I needed. Then, the representatives sound like they are all from the XXXX ( which is fine ) and have questionable command of the English language ( NOT fine ). After a 17 minute wait, which is eternity for a working person, my first representative told me that it would take 15 minutes for my bank to access the report. I get a call 2 hours later and this has not happened. I call back. Another 17 min wait and then a 3 min wait. The representative continued to get stuck on the duration of the freeze lifting - initially told to me for " 24 hours, '' but which is apparently 48 hours. Fine. I just want the bank to have the report. I repeated myself 3 times. Then he says it takes 10 min to 24 hours for the freeze to be lifted. Since the second guy did n't understand what I needed the first time, I am still not clear on whether he means that it could take 48 hours to lift the freeze and whether the freeze is temporary. I do not have the time to sit on hold a third time. 
1 ) I did not ask Equifax to monitor my credit 2 ) I do not want my personal info spread all across the globe and blame them for not protecting my information. 
3 ) Companies mess up. I accept that. But now they need to make it right. They need to provide adequate assistance to communicate with the company, which means providing easy to locate telephone numbers and adequate representatives to make things right. There is also no excuse in the digital age for it to take 24 hours to allow me access to my report. 

I feel completely powerless in this situation, which I have absolutely no say in. With great profit and power comes great responsibility. When are you going to protect American consumers.

Company response to consumer: Closed with explanation