BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and i noticed several accounts that are not mine. I have had my personal information stolen in the past but i never noticed anything until i checked my credit i will list the fraud account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My name is XXXX XXXX XXXX XXXX XX/XX/1990 last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted items that were fraudulent and Experian refuses to investigate.

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 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I logged into my Bank of America account at about XXXX through my cell phone and noticed a withdraw of {$1000.00} at a XXXX XXXX atm located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX in which I did not make! I immediately looked for my bank card thinking perhaps I lost it, but to my surprise, I had not. I immediately called BOA to report fraudulent activity on my account. They proceeded to gather my information about my claim, cancel my bank card and transfer me to the claims department so that I may go through the dispute process. They sent me a new card, advised me to file a police report since the amount was more then {$500.00} and fax it over to them. I did everything I was told to and faxed the information on XX/XX/XXXX. I received my new bank card 2 days after my claim and it worked fine up until XX/XX/XXXX when my account was closed suddenly. I immediately called BOA to find out what happened and they said it was closed due to fraudulent claims. Since then I have gotten the run around from them and am constantly being hung up on after waiting on hold long periods of time. They cant even tell me if my police report has been received. I received a letter stating that my claim has been closed dated XX/XX/XXXX, because they believe the account or the claim has been subject to fraud. I dont know what else to do and it seems that there are many many other people this is happening too. Please help me. BOA did not investigate my claim!

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 2020-12-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am feeling really ignored of my disputes from the bureaus I mailed out my letters certified on XX/XX/2020 to this date XX/XX/2020 it has been over 60 days I know I have yet to receive anything back stating they investigated the misleading unverified information that is on my credit profile. I just need this information looked into updated and/or removed. Thank you for prompt responses to my issues.

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 2017-01-26
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
PLEASE HELP ME!!!! NAVIENT/XXXX HAVE LIED TO ME, TRICKED ME ABOUT INFORMATION REGARDING MY STUDENT LOANS. THEY SAID THEY DID NOT RECEIVE MY PAYMENTS AND WHICH THEY INTENTIONLY CAUSED MY LOANS TO DEFAULT. THEY SENT A GARNISHMENT WITHOUT TRYING TO CONTACT ME REGARDING THESE ISSUES AND CALLED MY JOB TO TRY AND EXPEDITE THE GARNISHMENT WITHIN A 10 DAY PERIOD. I DO NOT TRUST THESE PEOPLE AND UNDERSTAND THEY ARE BEING SUED FOR THESE REASONS. THEY ARE VIOLATING THE LAWS IN EVERYWAY POSSILBE. I TOLD THEM NOT TO CALL MY JOB AND THEY CALL ANYWAY. I TOLD THEM THAT I WAS GOING TO REPORT THEM SO THEY GOT MADE AND STARTED CALLING ASKING FOR THE HUMAN RESOURSE DEPARTMENT AND THEY TOLD THEM TO SEND WHATEVER THEY WANTED IN WRITING TO THEM. THEY TOLD ME THE GARNISHMENT WOULD GO AWAY ONLY IF I CONSOLIDATED ALL OF MY LOANS WITH THEM WHICH ALREADY SHOWS ON THE NATIONAL STUDENT DATA REPORTS THAT THEY THEMSELVES HAVE CONSOLIDATED ALL OF MY LOANS WITHOUT MY PERMISSION. I DO NOT TRUST THEM AND CAN CHOOSE TO CONSOLIDATE MY LOANS WITH OTHER LOAN SERVERS OR WITH THE BANKS. 
PLEASE REPORT THIS COMPANY BECAUSE THEIR CUSTOMER SERVICE REPS TAKES THINGS PERSONAL WHEN SPEAKING TO THEM AND WILL TRY TO MY THREATS TO YOU WHEN YOU TRY TO DEFEND OR DISCUSS YOUR LOANS BY TRYING TO MAKE THE NECESSARY PAYMENT ARRANGEMENTS. I KNOW MY RIGHTS AND I KNOW THAT THERE ARE MORE OPTIONS AVAILABLE. PLEASE REPORT THEM AS FRAUD AS THEY HAVE ALSO SUBMITTED A GARNISHMENT TO MY EMPLOYER BUT THEY ALSO HAVE REPORTED TO THE DEPARTMENT OF TREASURY TO OFFSET MY INCOME TAXES WHEN I FILE THIS YEAR ( HOW?? ) WHEN THEY DID NOT TRY TO ALLOW ME TO MAKE PAYMENT ARRANGEMENTS WITH THEM AT ALL!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was sent an email at XXXX for a {$300.00} American Express gift card on XX/XX/20. The email directed me to click on a bar to view and print the card - this bar was a bait and switch link that took me to a sign in page that asked for the card number and security code to set up the card. This {$300.00} American Express gift card was paid for and sent to me in good faith by a relative ( order # : XXXX ). 
At XXXX XXXX  on XX/XX/20, I called American Express at XXXX XXXX XXXX and had to press XXXX, and then XXXX to speak to a person - XXXX informed me that I can't view or print the card because I need to troubleshoot my computer and change my browser to XXXX. I asked her to send me the card to my address - she then told me that if I don't switch to XXXX, then I need to have the person who sent the email gift card to fix the problem! 

Note : I had no problem redeeming an XXXX gift card online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 a federally protected consumer and have been a victim of identity theft. Please see attachments 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 2015-09-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Each time I attempt to log into to Chase.com to pay my credit card ( now three months in a row ), they state that my info is not in their records. I am required to submit info again to get a text message and reset my password. I follow that step and pay, log out, and then log in again and the same thing happens with the new password. This is a 0 % balance transfer card and I believe they are trying to inhibit me from paying by the due date in hopes I will forget or miss the deadline so they can begin charging interest. I have been quick enough to reset days in advance but almost forgot because it takes XXXXXXXXminutes to go through this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient is refusing to place me in an income driven payment plan due to that fact that I have not submitted a XXXX for a secondary job I had earlier in the year. However, I submitted a signed affidavit stating how much money I made and per the Student Loan Income-Driven Repayment Plan application, that kind of information is accepted as income verification. I followed the instructions completely. However, as the documents attached show, they are saying I have not provided income verification. They are attempting to place me in the standard repayment option. 
Additionally, this past XX/XX/XXXX I informed Navient that I was re-entering school and asked them to NOT place my loans in deferment, however they placed my loans in deferment anyway, and informed me that I would not be even able to enter into a payment plan for XXXX months after leaving the deferment. So I can not make qualified payments for a payment plan for loan forgiveness until XX/XX/XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: MoneyLion Inc.
State: CO
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/2020 I noticed my Moneylion bank account had three unauthorized transaction 's, {$500.00}, {$200.00}, {$1000.00} totaling {$1700.00} all said paid to XXXX. I called my bank but they were closed and I could only reach XXXX through chat messages, which they said they couldn't help me since I don't have a XXXX account and advised me to call my financial institution. When speaking to Moneylion they sent me a dispute form and instructed me to fill it out then send it back when done, afterwards they had 10 days to investigate the charges. After 10 days the monies was deposited back into my account, but 12 days after Moneylion reversed the credit leaving my account negative. I tried calling multiple times asking for a supervisor to call me back, which I never received, was only told the dispute team had made the final decision and I sent an email, which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Nelnet approved my deferment request, and back dated it to XXXX XXXX of 2015. There are derogatory late payment remarks that remain on my credit, even though the deferment approval covers this time period. I need them to remove the negative payment history for the deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, XXXX  ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a emergency room visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an emergency room visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have killed my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, 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 2015-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
When I checked my TransUnion credit report, addresses listed for me included XXXX I had never lived at, although my daughter and her husband had lived at XXXX some years back, and my son had lived at the other when he was in the XXXX, again years ago. I disputed the errors online. Sometime later I got a form letter in the mail stating " Here is the ... report you requested. '' They had removed XXXX address, but not the other ... no explanation why, of course. I tried to dispute online again, but for whatever magical reason, their system would n't let me. So, I downloaded the mail-in form, filled it out asking them to please remove the incorrect address, and also included a copy of my deed with a request that, while they were at it, could they correct the date at which I moved into my current address from XX/XX/XXXX to XX/XX/XXXX. Some days passed and I got a copy of the same credit report in the mail, no changes, with a form letter stating " Here is the ... report you requested. '' No mention of the dispute. I called their contact phone number. I asked that the incorrect address be removed ( I abandoned trying to correct how long I have lived where I live ). The representative said the error would be fixed. A few days later in the mail I got the same report, same form letter. Acting like an idiot, I called again. Again I was told that the erroneous address would be removed. Guess what I got in the mail today? This is a very simple problem. They ca n't fix it. Yikes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began the process to refinance my students loans through XXXX ( XXXX XXXX ) on XX/XX/2020. The refinance was approved on XX/XX/2020. At no time during this process was it communicated that the servicer for the loan would be American Education Services ( AES ), nor was it communicated that the loan would be transferred to AES as soon as the funds were disbursed. However, on the date that XXXX ( XXXX XXXX ) states they disbursed funds they transferred my loan to AES. 

XXXX  has refused to provide any type of tracking to show that the funds were actually disbursed. As of XX/XX/2020, my previous lender has not received the funds for payoff and XXXX  ( XXXX XXXX ) has confirmed that the checks they wrote have not been cashed. 

During the refinancing process, initially the documentation provided on XX/XX/2020 stated that my first payment on the new loan would be XX/XX/2020. Later in the day on XX/XX/2020 I received a notification of approval with the following statement : " We have created a Final Disclosure which sets forth the final terms of your loan and saved it to your account ''. I also received the Final Disclosure which had updated my first payment on the new loan would now be  XX/XX/2020. 

On XX/XX/2020, I received a notification from AES that I had a payment due to them on XX/XX/2020. I never received anything to show that AES would be my loan servicer, nor did I receive anything that the time until my first payment due would be reduced by two months from the Approval Disclosure or by one month from the Final Disclosure. 

At this point in time, I have two loan service companies stating that I have a payment due. I have tried contacting both XXXX  and AES and both are pointing fingers at the other and neither are able/willing to provide any documentation to explain why the Final Disclosure first payment date is not being honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
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:
I am XXXX XXXX I repeatedly giving this corporation opportunity to cure these inaccurate information being reported on my consumer report.. I am very aware of the FCRA regulations. I AM A NATURAL LIVING PERSON. Per. 15 USC 1692 a ( 3 ) .The law states that I have a right to a accurate credit file and this company is continuing to update and fix this problem this is my third time giving this corporation a opportunity. Due to there negligence myself and family are XXXX See Attached Documents. This corporation is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was ACH into New Bank of America credit account instead of the right credit account known as XXXX XXXX and no longer Bank of America ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the Bank of America, now known as the New Bank of America, transferred it after the payment date into the Bank of America, now the debt buyer XXXX XXXX XXXX account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from XXXX XXXX, nor the New Bank of America, or the Bank of America on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the XXXX XXXX ( Bank of America ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against Equifax. This complaint is for XXXX XXXX ( Bank of America original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of XXXX XXXX to be cooperative with the federal and state consumer protection laws.

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 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Inquires were deleted from my Transunion credit report then added back later.

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 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Due to the fact that my situation is not above for me to choose from. I am willing to explain it here below. I had the equipment from XXXX after canceling the equipment from my business office. In which XXXX, placed my XXXX in XXXX and i am paying on that service at this time correctly. So, in that case XXXX should be removed from my credit 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 2016-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed XXXX Acct XXXX numerous times. I have explained that the account information and details are inaccurate and should be removed and deleted. I have written XXXX XXXX XXXX XXXX XXXX, SD XXXX and they continue to tell me they have no documents to prove the facts of this account. ( payment history- account billing ). XXXX continues to state they have verification to the facts of this account but will not provide them, yet they continue to report inaccurate account information. I have requested this account information be removed as it can not be proved by the company or Transunion

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