BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. My correct name is XXXX XXXX NOT XXXX XXXX XXXX THOSE ACCOUNT DOES NOT BELONG TO ME I NEED THEM REMOVED OF MY CREDIT PROFILE If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$10000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you this account has been deleted then put back on my credit report your company reported that you have reviewed my complaint along with the information you previously provided regarding this issue. In order to verify the accuracy and completeness of XXXX # XXXX we initiated an investigation into the account. In response to the investigation, XXXX # XXXX was updated to reflect the remark of " Credit Card Lost or Stolen '', and the balance has been updated to reflect as {$0.00}. Then deleted the account then reposted the account again

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
this account was previously removed and deleted from my trans-union credit report, only to be re-added recently, this is a violation of FTC rules XXXX XXXX XXXX XXXX, OH XXXX Account Name XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$800.00} Limit $ XXXX Monthly Payment {$0.00} Last Payment Status Unknown Term 0 months Loan Type Charge account Opened XXXX/XXXX/XXXX Reported XXXX/XXXX/XXXX Remarks Chapter XXXX bankruptcy

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 2015-07-23
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I originally went to school at XXXX in XXXX mn. I graduated in 2007 from there. I have been dealing with medical conditions throughout the years and currently am waiting for my XXXX trial, so working is out of the question. I spoke with aes a few weeks ago and the young man i spoke to, emailed me the forberance form to fill out and send back. They said they received it between the XXXX of XXXX. i didnt get a response until over two weeks later, it turns out the young man sent the wrong form, so now they are tacking on more interest at a ridiculous rate. My original loan amounts totaledXXXXXXXXXXXXThey added alot of interest over the years and they then as of yesturday totaledXXXXXXXXXXXXThats ridiculous amount of interest almost XXXX the amount and now they did it again with a letter today saying that my payoff will beXXXXXXXXXXXXThere is no way on earth i could ever afford this. It seems illegal to all of a sudden charge that much for a XXXX dollar student loan. I have no assets and no job how in the world do they expect to get there money especially when they keep jacking up the price. I called again asked if they would consider settling. I would go to the bank and take out a small loan to hopefully pay this off in full so that way i dont keep drowning. I got told a flat out no and that my loans were not eligible to be written off even if my XXXX goes through. I want to scream i dont know what to do they are money hungry and wont cooperate. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Chime Financial Inc
State: OK
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:
I reported that my card was charged for something while I was at work. The charge was XXXX miles away from my location at that time. I provided my schedule, screen shots of the location. Chime still refuses to reimburse my XXXX. I have spoken with my local police department who is advising that they have taken multiple reports these past XXXX weeks of chime customers who disputes are being denied and thinks that chime may be covering up a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My husband lost his job in XX/XX/XXXX and was unemployed for almost XXXX months. He has recently started a new job with XXXX and we are getting our finances back on track. However, by the end of XXXX, I struggled to keep up with the payments and my student loans became dangerously past due. On or around XX/XX/XXXX, I arranged a {$250.00} student loan payment on line. I did not realize until it was too late that I had forgotten to change my banking information and the payment was rejected by my bank. ( I have since cleared this up. ) I called AES to discuss further options. On XX/XX/XXXX, I was told by a representative that I qualified for XXXX-day forbearance. When we discussed the unfortunate payment error, she said, " do n't worry about it ; the forbearance period would cover the non-payment. On XX/XX/XXXX, my credit bureau monitoring service notified me that my credit score had dropped by over XXXX points due to a XXXX-day late payment reported by AES. This was AFTER I was assured that I qualified for the forbearance. 

When I called AES to inquire about this, I was told that credit reporting operated on a separate system and that credit reporting was " automatic, '' but that he would note the situation in my file. All of the representatives have been very pleasant and helpful. However, as I explained to XXXX of the representatives, I am a consumer. When a representative tells me " not to worry about a payment issue, '' I listen. My husband and I are XXXX veterans and have to commute 2 hours to work every day. We are responsible and have not missed a student loan payment in several years. We need to buy a home closer to our work. 

The problem is this. The loans with AES are a consolidated debt of XXXX different loans. When the loans were reported to credit bureau as XXXX days late, my credit scores dropped almost XXXX points for EACH LOAN. That 's approximately XXXX points!!! This is neither fair nor accurate. When payments are made, amounts are applied to each individual loan. The way this is set up, even if XXXX of the XXXX loans is late, ALL XXXX report late. No credit report can sustain and instant XXXX point drop in credit score over something this confusing. 

Like I stated earlier, I am a veteran and a responsible citizen. I struggled to pay the loans on time for the entire XXXX months my husband was out of work. It is not fair that I should have to suffer the insult of a XXXX day late payment due to misinformation that I was given. If I am late making payments due to neglect, then I would feel like I have earned this discredit. However, I was acting on information supplied to me by a company representative. I followed their rules. Therefore, I respectfully ask that the XXXX day late be removed from all XXXX credit bureaus so that we can move on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It has been more than seven days ( not including weekends and legal public holidays ) since my servicer received the notice of error or information request, and I have n't received any communication from my servicer. The letter was a certified mail dated XXXX/XXXX/16 and it was delivered to Quicken Loans on XXXX/XXXX/16 at XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a school loan through AES .. My college I attended XXXX XXXX in New York is where my loan originated .. Since the inception of my loan, the loan company has had the wrong date of birth on my loan including the promissary note from the loan. Still they have been paid by me, and have been speaking to me without knowing my identity for sure. My loan has been in a different date of birth yet they continue to seek info from me, and now that my loan is in status of going to collections from being unpaid, for medical reasons I could not pay, they refuse to even comment or speak to me about my loan, after I sent them my license 2 times to confirm my identity .. So now I can not secure a payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Credit Karma, LLC
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I got my Identity stolen, I have been reporting this over and over again. I know I did n't do some most of debt that is on my credit report. Like this one Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX And this XXXX Creditor Contact Details CREDIT PLUS XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have never been to any of these business 's Then I told about this one months ago XXXX XXXX, XXXX Collection Agency XXXX Original Creditor XXXX XXXX RETURNED ITEM Status Open Opened Date Apr XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Direct Dispute This is what they say I owe, I had my bank account robbed and now they say I owe it, It was a fraud. I reported it and I still get the bad credit. There is so much that i did n't do. 
Like this one also XXXX account reported on XXXX XXXX, XXXX XXXX accounts reported on XXXX XXXX, XXXX Open Account # XXXX {$100.00} Balance XXXX HOSPITAL Original Creditor {$100.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Responsibility Placed for collection Remarks Note I have medical and I did n't do this one. 
And this one XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$71.00} Balance XXXX XXXX Original Creditor {$71.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility -- Remarks Note I have medical. 
All of this showed up after I was robbed. I reported it but no one listens. I do not owe these things. I hope you all will listen. 


Account # XXXX {$26.00} Balance XXXX XXXX XXXX XXXX Original Creditor {$26.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Medical Remarks I know I did n't do any of these things. Thank you XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
The issue is with Credit Karma. They are a 3rd party agency that gives out false information determines there own factors in credit scores and misrepresent the true score. My credit score changes with them almost daily and goes down even though there is no movement or nothing has changed on my credit report. These kinds of site should be put out of business for reporting false information and leading people to believe what they are reporting is true and accurate when it is not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I fulfilled my contract with XXXX and all my bills were paid and current when XXXX ported my number, over a year ago, to XXXX XXXX XXXX. XXXX always billed me XXXX month in advance and they personally ported number my number over to XXXX XXXX XXXX and said good-bye. It was at the end of billing cycle and they always billed XXXX month in advance. My account was in good standing and paid in full during that billing cycle. Approximately, 3 months later, they called me claiming I owed them {$100.00}. I told them about this and they claimed they would clear it up. Of course, that did n't happen and they called me several months later saying i owed this money to XXXX. I told them this was not the case so they threatened me to report to credit agency and they did. They continue calling on many different numbers. I have blocked so many of there calls that XXXX wo n't let me block anymore numbers. They call the house and then my cell phone at all hours of the day and night and on all kinds of numbers across the country with many different agents. They are rude and XXXX agent literally yells at me. Please end this and make them remove this from my credit. I was a great customer of XXXX for over 5 years and this is most distressing. I will never do business with them again nor will I not pay them money when I do not owe them any money and if you do n't believe me, just XXXX the Internet and you will find hundreds of other folks with this exact same problem with XXXX. Ps. They never mailed me any written documentation and they all have the wrong address. Please help me.

Company response to consumer: Closed
Consumer complaint received 2016-08-09
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hello- I am contacting CFPB to file a complaint concerning my experience with Suntrust Bank XXXX I opened a checking and savings accounts there XX/XX/XXXX and when doing so I was promised a {$250.00} promotion if I met the criteria. 

As of XXXX XXXX my personal banker, XXXX XXXX, assured me that I did meet the criteria and that I would receive the full amount by XXXX XXXX. I have attached a screen shot of that email conversation. 

On XXXX XXXX, I called the bank which informed me my banker no longer worked there and that I would need to contact Suntrust customer service. After speaking to multiple representatives, I was eventually sent to a supervisor, XXXX XXXX. I forwarded her emails from that stated instructions from XXXX XXXX to obtain the promotion. I also forwarded her the emails that I have attached screenshots of here. After our conversation, XXXX XXXX told me she would open the case and that Suntrust would get back to me within 3 to 5 business days. 

I emailed her XXXX XXXX and XXXX XXXX requesting an answer. I have called the Suntrust XXXX, TN branch several times and left voicemails only to receive no call back. 

Today, XXXX XXXX, I called Suntrust customer service in hopes to get an answer concerning the {$250.00} I am waiting to receive. I eventually got in contact with a XXXX XXXX. She explained that they found that I did not qualify. After checking my account, I believe I do qualify. 

I am very disappointed in the customer service I have received. They have not taken the initiative to call me back or reply to my emails. They have also not honored the word of their employee who guaranteed me {$250.00}.

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 2015-07-17
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio is attempting to foreclose on a home they have no legal rights too. We have asked that they provide copies of the note. They have advised us in writing that the note was destroyed/manipulated. Therefore they are unable to produce it. Our contention is that neither XXXX XXXX ( who also has admitted to know be the lender ) nor XXXX XXXX XXXX posses the note. In additional XXXX accounting is suspect at least. They large principle payment ( over {$100000.00} ) made on the loan never cured the rearrages. It was applied to the principal balance and the loan remained in default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was purchased last year by SPS ( Select Portfolio Servicing ) from XXXX XXXX. Prior, I used to pay approximately {$250.00} per month in excess of my contractual obligation, and per the terms of a loan with no prepayment penalty, any payments in excess of the contractual amount are posted to the principle amount. In the future, I intend to make considerably more " over '' payments. On my most recent statement, SPS notified me that unless a full contractual payment is made, any overage would remain in " in-posted '' status until it builds to a full contractual amount. As my contractual amount is approximately {$5000.00}, this indicates that I could pay {$500.00} over, but nothing would post to my account for nearly a year. This is a violation of the loan agreement and creates an over charge for interest. Based on my conversation with SPS, I believe this is a systemic issue for any payment overages that come as payments outside of a single monthly payment ( i.e. if I pay {$500.00} mid month every month, they would only hold it in escrow, if I pay {$500.00} over on an end of month payment, it would post to principle ). I believe any party paying unique separate payments on top of contractual are victims of this misallocation and over charge of interest. I was told because this was a " conforming '' loan, the payment allocation was at their discretion. Not sure how conforming status impacts the legal payment hierarchy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2015-03-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank, intentionally reorders transactions that are processed through a checking account in order to generate additional fees for accounts that go into overdraft. 

For example, If I have a balance of XXXX in my account and they process XXXX transactions and the order of those transactions is 1 ) XXXX 2 ) XXXX 3 ) XXXX If these are processed in the order received there would be a single change of XXXX. 
However Chase reorders these transactions largest to smallest, resulting in XXXX charges of XXXX resulting in charges of XXXX the maximum they can charge in one day ( a total of XXXX transactions ). 

2 ) If you call to ask them not to process recurring transactions on your account they tell you that they can not stop these transactions, or inquire about what the criteria is for processing a transaction when your account is in overdraft they will not give you a specific answer, they say that it depends on your account standing, but also will not/ can not tell you what standing your account is in, effectively making it a complete mystery as to what automatic payments will be payed and which ones will not. 

I believe that they are intentionally withholding information, and manipulating account processing in order to generate more revenue, and defrauding the customers that can least afford these fees of their hard earned money.

Company response to consumer: Closed with monetary relief