BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of EducationXXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018, I notified Trans Union by Certified mail, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, Trans Union has not responded within the 30 days as required by law to validate this debt. They are in violation of the FCRA and FDCPA

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 2022-09-14
Company: NAVY FEDERAL CREDIT UNION
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:
Hard Inquiries : 1- XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 

2- DEPARTMENT OF EDUCATIONXXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX NAVY FEDERAL CR UN- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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: Account status incorrect

Complaint:
First off, my mortgage company said that I owed {$8000.00} on my  XXXX  statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on  XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my  XXXX  payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of   XXXX   to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
<P/>
In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the   XXXX   or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the 15th then they charge me at least {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I overpaid for my home. JP Morgan failed on my loan refinancing and loan modification. I am working on an assumption and was told to go to the local branch. The local branch stated they do not have a mortgage person in house that can help me at the   XXXX   XXXX   Branch in   XXXX    Texas. I want JP Morgan to reduce my principal balance and/ or not charge me for the next 6 or 12 payments. This is frustrating and upsetting. I want a local person that I can work with in the  XXXX , Texas area.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX, I had some fraudulent activity happened on my credit report. I went through the proper channels of getting that police report and placing a fraud alert on my credit file that states to contact me before proceeding with pulling my credit.. I pulled my Trans union credit file XX/XX/XXXX and noticed inquiries on my account some I recognized him I didn't. All inquiries made in XXXX I disputed besides XXXX XXXX XXXX XXXX AND XXXX XXXX with Trans union. I wrote them by mail with my dispute letter stating my issues, provided a utility bill and a copy of my driver 's license, also copies of my phone records of the days and which my credit was pulled without my consent and the company 's at question not abiding by my fraud alert on my account. Trans union replied with a letter XX/XX/XXXX basically explaining what a inquiries was not responding to any of my issues in my letter. I contacted them today XX/XX/XXXX and after I began explaining to the agent my problem he just disappeared. The line didn't hang up he just stopped talking. I called back and talked to someone again and he was trying to tell me I had to write in to dispute this issue and was not understanding that I already done that. So now I'm contacting you.

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 2021-05-17
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Prior cfpb complaint went unaddressed. Complaint where Nissan failed to make l scheduled payments and claimed we did NOT. Now and once again even though regular payments automatically scheduled and confirmed with them. You-the CFPB and they do nothing to correct the problem while we continue to get calls we did not pay!!!! Big farce!

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 2017-12-05
Company: Nelnet, Inc.
State: CO
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:
This date, XX/X/2017, I applied for a benefit offered by Nelnet. The benefit states I qualify for a 1 % reduction in interest as I have made 24* payments on time. I contacted Nelnet representative who denied the terms stipulated by NelNet. I am submitting comprehensive r3ecords kept by Nelnet and a copy of their policy for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: United Collection Bureau, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a Florida unemployment some XX/XX/2018 the manager at XXXX that then which is also known as XXXX approved my unemployment and then within three months later theyre telling me that I have an overpayment the amount was {$1600.00} now theyre saying are all {$1500.00} why should I have to pay if I did nothing wrong and it was approved the unemployment it is very difficult trying to get a hold of Florida unemployment department in XXXX I want to see the original application and their decision which proved that high was able to receive I do not feel after almost 3 years I have to pay for somethingAnd if I do I asked for a settlement amount and the collections department you see XXXX tells me they do not do sentiments all care about hardships

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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 have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
In XXXX XXXX I had an American Express, XXXX XXXX credit card. In XX/XX/XXXX I canceled the card for I was not traveling as much anymore. In XX/XX/XXXX I received an offer for a new XXXX XXXX American Express credit card. The offer stated I would get XXXX bonus XXXX XXXX points after spending {$750.00} in the first three months. I applied on line, and received the card inXX/XX/XXXX ( American Express letter datedXX/XX/XXXX ). Neither the initial offer nor the letter accompanying the card mentioned any restrictions related to the XXXX bonus points. Out of abundance of caution, before using the card for the first time, I called American Express and I was told by the agent that I was qualified for the XXXX bonus points. However, after spending the requested amount I did not receive the bonus. I called American Express, and I was told that it would take 6 to 8 weeks to get it. The bonus was never posted to my XXXX account, so onXX/XX/XXXXI called again. This time I was told that I did not qualify for the bonus because I previously had a similar card. On XX/XX/XXXX I contacted American Express for the last time. I tried to use e-mail, to have a written proof of the discussion, but this form of communication is not supported by the American Express web-site. So I had to use online chat. I explained the situation, but the agent wrote back that I was not qualified for the bonus. She provided a pointer to American Express terms and conditions. The documents referred to by the agent are enclosed. Neither one mentions the restriction invoked by the last two agents I communicated with.
In my opinion American Express has the OBLIGATION to give me the XXXX XXXX XXXX bonus points for the following reasons : -The offer sent to me did not mention any restrictions related to previously having a similar card.
<P/>
-I met the requirements of the offer ( I spent over {$750.00} in the first three months ).
<P/>
-Two American Express agents confirmed that I was qualified for the bonus.
<P/>
-The Terms Conditions documents provided to me by an American Express agent did not mention that restriction either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the begging of XX/XX/2022 my wallet and phone were stolen. I didn't have access to my bank account until I got a new phone. When I finally got access to my mobile app I reached out to the bank to dispute some charged from XXXX which were taken place in XXXX XXXX. I also seen that there was a very obvious fake check that someone had tried to deposit using my mobile app. I was never once notified by the bank that there was any suspicious activity on my account until I called myself to ask about the situation. I was passed around to over a dozen departments with no answers. I was in the process of moving into my new apartment as well and was unable to because my funds were frozen. It's now been over two months with no update on the fraud status which had been very draining and mentally exhausting for me to still be dealing with. I went into the US bank brand in XXXX XXXX XXXX to speak to a consultant on XX/XX/2022 at XXXX. He gave me a temp card for the account that was showing as Active since XX/XX/2022 ... I was never informed that the account was still " active ''. So the next day I tried to use the temp card and it declined.. leaving me with all the items I had ordered at dinner unpaid for.. Now I tried to speak to the branch manager and she was giving me no information about my own account. I will have to get my attorney involved if this matter isn't handled. I do not want to bank with US bank any longer. I want my last deposit from current employer released. There has been over 12 people I've spoken to and no one person has been able to help me. The consultant at the bank lied to me about a new account that was made for me on XX/XX/2022 when I reported the fraud. I will not stop until I get my money out of that account. The bank in XXXX XXXX XXXX has be very awful and rude towards me in every which way possible. I also received a letter in the mail with a picture of the fake check and a letter stating the account was going to be closed. I HAVE NO RECEIVED ANY FUNDS THAT ARE RIGHTFULLY MINE IN OVER TWO MONTHS NOW!!! THIS IS VERY UPSETTING AND MENTALLY DRAINING.

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 2017-06-08
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple times per day, we receive phone calls from Diversified Consultants. They are apparently a debt collection agency, but we have no debts. We 've asked why they are calling us and there is no explanation. There are quite a few different numbers that they come from but as soon as we pick up the phone they hang up the call. We are trying to run a business but tending to these nuisance calls is really beginning to decrease productivity. We 've also missed other important calls while dealing with these. Many times we 've called back the number that calls us and each time we speak to someone and request that we be added to their Do Not Call list. They tell us that we are not on the list of numbers they have to call, but that is obviously a lie. Our phone number is  XXXX  and it is listed on the state and federal Do Not Call Lists. The last harassing call we received was from   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: AMERICAN HONDA FINANCE CORP
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2013 a car was illegally purchased As a result of identity theft by my sister XXXX who used my information to get quite a few things prior to her going to prison. The account number according to my 3 credit reports shows XXXX but I will provide my social security number. My reports are frozen so there is no harm putting them. It is XXXX.The original loan amount was {$36000.00}. I mailed American Honda copies of signed police reports. Statements from officers showing I did not even live in colorado where this car was purchased, as well as a affidavit from my sister admiting to the investigators she did get this vehicle and other items. I will no longer wait any longer for this item to be removed.My attorney instructed me to file this report, and he will file suit in local court to make them remove it and seek fcra damages for reports this on my credit reports if it is not off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax had removed an account   XXXX    XXXX   XXXX  off my credit report. However I just viewed my report on   XXXX   XXXX   and it shows this account again.  XXXX   XXXX   XXXX  had confirmed that this information will be deleted from all  XXXX  credit reporting agencys. It was deleted and as of today it looks as though it has been re-inserted again. I spoke to corporate office at   XXXX   XXXX    XXXX  a few months ago and it was confirmed they would contact all  XXXX  credit reporting agency 's and have this information deleted. Having this put back on my report is affecting my credit score in a negative way. I am submitting this complaint about equifax because they should have never re-inserted this informaiton once they were notified it was to be deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got a call from Citi for complaint number XXXX. She said her name was XXXX and to call her back at XXXX or XXXX. Her voice wasn't very clear so it's either of those numbers. Those numbers don't exist.

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
With respect to 15 USC 1681 ( a ) ( 4 ), the bureau has infringed upon my right to privacy. I asked the bureau to VALIDATE the account in which they said it was VERIFIED. Attached is written proof that they didn't VALIDATE the account because the US Court said that they do not report information to credit reporting agencies in the first place.

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 2019-12-03
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Product ordered XX/XX/XXXX - received incorrect product XX/XX/XXXX. 

Paid XXXX - item received valued ( by same site that valued original item ) at XXXX ( attached image of received item ). 

Disputed but denied based on the attached evidence ( doc1 ). Half of the pages are blank or entirely black. Seller also never provided valid shipping information. Same seller now has the SAME item listed as for sale. Seller also sent message boasting ( and admitting ) about successfully scamming me ( also attached, inappropriate language by seller ).

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We Continue having a credit reporting issue, from all credit agenc y Trans Union,  XXXX ,  XXXX . Reporting that we still have an auto loan from   XXXX   XXXX   XXXX    XXXX    that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.

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