BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am trying to payoff my mortgage. I have always sent payment via ACH transfer. To payoff the loan I ca n't use ACH transfer. According to the bank the payoff can be a personal check which they will hold for 14 days before processing the payoff or I can wire the money which has fees involved. I think this is unfair give ACH has been an acceptable payment method for years. SECOND. I need a payoff letter which may take 2 weeks to receive. I asked for an electronic method of transmittal and was told I could not get and email but i could pay {$30.00} for a fax. I think this is just abuse. They have made money at every step of the way and when it comes time to close the loan they make it difficult. FOR comparison, I just paid off my Auto loan with XXXX, I sent in the last payment and received the title within days. no payoff letter, no hassle.

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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Just needing to remove my old addresses and phone numbers from my credit report. And keep my current address and phone number.

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 2020-08-11
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient student loans have been collected interest payments from my parents since XXXX. In my best ability to contact them while on XXXX XXXX orders serving in XXXX I had my mother send them my contact information. They never contacted me via gov email, personal email, or phone. Between XXXX and now they removed my father ( co-signer and retired 100 % veteran ) off the loans, credited him {$600.00} and made my mother, XXXX XXXX the beneficiary. After a security clearance alert, I contacted Navient directly. They told me they sold my loans off and had no idea I was XXXX XXXX. I commented that the information they provided me was predatory, lacking in my self awareness, XXXX XXXX needed to be continuously updated. When I questioned why my father was removed and not forgiven for several loans, they told me to refer to the collections. Navient purposely and willfully, attempted to collect a debt both illegally and without true transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went to court seven years ago XXXX I did with a gentleman I paid him the XXXX dollars the judge ordered me to and now it is showing on my credit for the full XXXX rather than the XXXX $ the judge ordered me to pay and it is showing like it is a bill or judgement against me which is preventing me from getting a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
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:
FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$1.00XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$4100.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$490.00} Status Account charged off. $ XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$610.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: TX
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 XXXX  # XXXX, has violated my rights, XXXX XXXX  XXXX # XXXX, has violated my rights, DEPT OF EDUCATIONXXXX XXXX XXXX, has violated my rights, XXXX XXXX XXXX XXXX # 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 2017-01-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Rewards

Complaint:
XX/XX/XXXX, I upgraded my Chase Sapphire Preferred card to Chase Sapphire Reserve card. 

One of their big advertising benefits was that you get an annual {$300.00} travel credit to use on most travel purchases every annual calendar year. 

As soon as I receive the card I spent {$300.00} booking flights for my family. The purchases were made XX/XX/XXXX. I received the {$300.00} travel credit to my account even before my first statement closing date. 

I received the first statement on XX/XX/XXXX. 

I emailed Chase customer service to verify that I did all the {$300.00} annual spending properly for XX/XX/XXXX and to confirm that any spending I did during XX/XX/XXXX calendar year will go towards the XX/XX/XXXX {$300.00} credit. 

They replied that was correct that any spending I did after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 

On XX/XX/XXXX, I made more travel purchases that was over {$700.00} and was expecting {$300.00} of the annual credit back from the Chase Sapphire Reserve card. 

However, the credits never came. 

I emailed Chase again and they reconfirmed that any travel spending after XX/XX/XXXX will count for the XX/XX/XXXX {$300.00}. 

When I called for the {$300.00} credit for the XX/XX/XXXX purchase, I was told by phone customer service agent that I had already spent my XX/XX/XXXX {$300.00} credit. 

He told me that the spending I did XX/XX/XXXX counted as the XX/XX/XXXX credit because my Chase Sapphire PREFERRED card statement closed on XX/XX/XXXX and anything after that was counted as XX/XX/XXXX. 

I told the rep that there must be some kind of mistake because I did not have a Chase Sapphire RESERVE card until XX/XX/XXXX and I did not receive my first statement for the RESERVE card until XX/XX/XXXX. The XX/XX/XXXX statement was for the PREFERRED card, therefore, it should be irrelevant. 

I then spoke to the supervisor who said that there was nothing she could do because their system counts XX/XX/XXXX purchase as XX/XX/XXXX. 

As a long time customer of Chase, I was extremely disappointed by their lack of assistance. Even their terms and conditions state that the {$300.00} annual credit is good till the first statement XX/XX/XXXX, which technically was XX/XX/XXXX and not XX/XX/XXXX as they claim. I also have MULTIPLE email correspondence from other Chase customer service agents saying that any spending I do after XX/XX/XXXX would count towards the XX/XX/XXXX {$300.00} credit. 
I would like Chase to honor their terms and conditions, and the promises made by their email customer service agents, by crediting me the {$300.00} XXXX credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have incorrect information being reported on my credit report from all XXXX credit reporting agencies there are XXXX liens from XXXX XXXX that were placed on my credit reports from Equifax, XXXX and XXXX XXXX that states the liens are there but, the liens have been dismissed so, why are they still reporting them? I want them removed because they have a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Bread Financial Holdings, Inc.
State: WI
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 a loan with XXXX, XXXX XXXX, and CB/VICSCRT. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX, XXXX XXXX, and CB/VICSCRT with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Bread Financial Holdings, 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:
POLICE REPORT WAS SENT TO ALL XXXX BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSWORLD SYSTEMS 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: Problem with personal statement of dispute

Complaint:
The Nationwide Credit Inc is a credit collection company that represent the XXXX XXXX to collect an alleged account that was previously reported to XXXX XXXX. A previous letter was sent out to XXXX XXXX inquired viable evidence or documents that bears my signature that to provide accurate reporting. The alleged reported claim was first reported by XXXX XXXX of {$7500.00} and now the NCI took over this alleged claim and charged off {$1100.00} and that was negatively reflected on my credit reporting.

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 2020-08-11
Company: American First Finance, Inc.
State: WI
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 a loan with AMER FST FIN and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMER FST FIN and XXXX XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are fraudulent items on my credit report with Experian. I sent them copies of my police report, ID Affidavit, and they refuse to block the accounts from my credit report. They also refused to remove the items off of my credit report and reinvestigate it anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined MILLIONS for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. TRANSUNION AND XXXX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " transunion interactive '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card 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 non-monetary relief
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: GA
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 received a copy of my credit report and I have found the following accounts listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE CLOSE end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -

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 2022-05-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Its been almost a year now since i made my experian account and requested my free score and report name is : XXXX XXXX XXXX i have been charged repeatedly over and over BY XXXX FOR A SUBSCRIPTION I NEVER EVEN SIGNED UP FOR. XXXX gives you a " XXXX '' product that they peddle as accurate when NO mortgage companies use that score. In addition, once you realize this is a TOTAL scam product, YOU CAN NOT UNSUBSCRIBE from their relentless marketing emails. I called them on the phone repeatedly and no one would remove me from their email list. I requested to be removed via their chat, no results. This is tantamount to an abusive telemarketer calling you repeatedly when you are on the do not call list. This company should be fined XXXX for the harassment of the American people. this is a very frustrating issue regarding the fact that i, trying to improve my score and report but it seems as if the bureaus jus want to demolish it. XXXX AND EQUIFAX also as well have been continously sending me emails and furnishing things on my reports listed under " XXXX XXXX '' " XXXX XXXX '' these two bureaus also pulled the little " oh yea get started for free but also enter your credit card info... ..... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX CA. XXXX XX/XX/XXXX 1. XXXX IN XXXX 2. XXXX MI XXXX 3. XXXX PA XXXX 4. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to zero balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX XXXX EQUIFAX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) EQUIFAX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Equifax regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was told if I bought {$110.00} of bitcoins thru Cashapp I would get $ XXXX I realize now it was a scam. I believe the scammers work for Cashapp. I received fake emails from the scammers pretending to be from Cashapp. 
This is one of the emails sent below Transfer On Hold Transfer Current Percentage Done : 60 % Transfer On Hold. 
Dear customer, Your cashapp daily limit can't receive this money please Kindly upgrade your account with {$110.00} into ( $ XXXX ) as the vouchers to upgrade your cashapp limit and get your paymentWARNING! This payment can't be cancel or rejected just make sure you follow all the procedures and you can text back on this email if you want to contact us. 
THANK YOU Upgrade fee. {$110.00} $ XXXX Sent from email XXXX The receiver of funds and person sending emails is listed below Amount Identifier TO From {$5000.00} # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: WESBANCO BANK, INC.
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I open a certificate of deposit for {$100000.00} with XXXX XXXX XXXX/WesBanco Bank for 5 years and now the certificate of deposit has matured on XXXX, and on XX/XX/XXXX WesBanco have refused to issue my {$100000.00} back to me along with interest the I have earned of {$9000.00} on this account. According to XXXX XXXX XXXX XXXX her bank do not have XXXX on hand. I have honored my five years a agreement with WesBanco bank but WesBanco have not honored their agreement with me, therefore, I am requesting legal action be taken against WesBanco Bank for fraud. WesBanco Bank is located at XXXX XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with AM HONDA FIN. 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 AM HONDA FIN with no successful resolution. XXXX, XXXX  only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
All loans are processed by Fedloan Servicing and only require a single monthly payment. However, when I missed one payment, it showed as 16 missed payments on my credit report.

Company response to consumer: Closed with explanation