BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2020 XXXX XX/XX/2020

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 2020-06-19
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am putting to use the typical 1 hour+ hold I am currently sitting on with Chase 's customer service to request assistance with a refund for services not provided. 

On XX/XX/XXXX I purchased a flight from XXXX to XXXX using the Chase Travel Portal and a Chase Sapphire Reserve Credit Card. The date of the departing flight was XX/XX/XXXX and the date of the return flight was XX/XX/XXXX. The flights were booked by Chase Travel on the airline XXXX. I purchased the tickets using the mentioned credit card and accrued credit card points. The charge on the credit card was paid off almost immediately. 

The purchased flight was cancelled by XXXX due to COVID19, and further legal travel restrictions placed by XXXX and the State of Michigan ( my residence ) prevented me from taking the flight had it not been cancelled. 

I spoke with the Chase Travel customer service on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As well as several attempts during and after that time in which after hours on hold my call was disconnected without ever speaking to a Chase representative. I was informed that they were processing the request for a refund in the form of original payment, but that they were waiting for the funds to be returned from XXXX. It was recommended I reach out to XXXX to attempt to move the process along. I also called XXXX on multiple occasions, but was repeatedly informed they were required to work with Chase because Chase had purchased the tickets. I have now given both companies several months to process this refund with no progress. 

I purchased a service from Chase Travel utilizing a Chase Credit Card and the service was not provided. While I am empathetic XXXX is not providing refunds in violation of the law, I did exchange goods for service with XXXX. I strongly feel that Chase would have resolved this case in a timely manner had I purchased the tickets through any other travel provider than their own. I believe they do not want to issue a charge back against themselves. 

I am immediately requesting that the charge on my credit card for this purchase be reversed and the points be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IMC Credit Services in XXXX, IN has reported on my credit on behalf of XXXX XXXX XXXX XXXX XXXX without me being contacted in regards to settling the bill. They report a balance of {$320.00} on all my credit reports which is incorrect because I have made several payments on their website and asked to be contacted to offer a settlement amount since they have never tried to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my original mortgage with XXXX. I lost my job due to the recession XX/XX/2008 and had trouble making my monthly mortgage payments. XXXX began charging me extremely large " differed interest '' fees each month my payments were late as well as charging late fees. By the time I was able to make regular payments again XXXX had added over {$31000.00} in differed interest to my mortgage. Now, after paying on my home for over 11 years my payoff amount is significantly over the initial purchase price. I 'd like to sell my home, but with this huge amount added to the loan it makes it financially impossible to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any  information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is falsely reporting an account, XXXX, on my Experian Credit Profile. This account is not mine, never been, mine, and was applied for and opened by using an address I have never resided in a city 40 miles from where I've resided since 2002. Additionally, I do not know anyone at the address used to fraudulently apply for an open this account, nor did I authorize anyone to fraudulently use my personal information to apply for and/or open any account with XXXX XXXX XXXX XXXX 
I have tried several times to dispute this account as fraud, but Experian refuses to remove it. The account was sold to a third party and a court dismissed the matter due to lack of evidence that the account belonged to me. 
I have disputed this account both with Experian and XXXX as fraud, provided a Police Report, A Notarized Identity Thieft Affidavit, a driver 's license issued during the timeframe in which the account was applied for and opened showing I did not reside at the address that was used to apply for an open the fraudulent account with XXXX XXXX XXXX XXXX I have also provided court documentation showing that a court dismissed the case brought against me by the third party that XXXX Sold the account to. Yet, neither Experian nor XXXX will remove the account from my Experian Credit Profile. I have asked repeatedly to see the documentation/evidence supporting the reason ( s ) why XXXX refuses to remove the fraudulent account for nearly 4 years now and have never received a thing, NO SUPPORTING EVIDENCE FROM XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Nelnet, Inc.
State: TX
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:
My current spousal consolidation loan was established after congress stopped offering spousal consolidation loans : XX/XX/2006. I am providing copies of executed documents for your review. I was able to locate several of my documents as STUDENT AID.GOV did not have any saved which I found to be very interesting. Please review all documents attached. This loan could be considered fraud after it was set up after XX/XX/XXXX1. I did not give permission until XX/XX/2006, when the application was signed. It is not from transmission until I acknowledge by signing the signature line of the Application Master Promissory Note. 

Timeline of the loan history : XX/XX/06 XXXX  XXXX  sent a summary sheet of loans that were eligible for consolidation and a letter about how to read a summary sheet discussing what a consolidation loan is and what replay payment plans are offered for review. They asked us to review to ensure these were the loans we wanted to consolidate. As of XX/XX/06 we had not signed any documents for a consolidation loan. 

XX/XX/06 XXXX - FFELP application and promissory note were signed on XX/XX/06. This date was after congress stopped offering spousal consolidation loans. 

XXXX XXXX  XXXX  sent a disclosure of payment amount letter stating the loan is being set up with graduated repayment plan to include loan details with interest rate information. 

XXXX XXXX XXXX sent letter for consolidation disbursement made with loan details and summary of Direct Consolidation Loans. The disbursements was consolidated on XX/XX/06 ( THE MASTER APPLICATION AND PROMISSORY NOTE WAS NOT SIGNED UNTIL XX/XX/2006 YET XXXX  XXXX  DISBURSED THE {$77000.00} ON XX/XX/2006. AGAIN THIS EVIDENCE SHOWS THIS LOAN SHOULD NOT HAVE TAKEN PLACE ) XX/XX/2006 - XXXX XXXX XXXX sent letter stating they received the appropriate loan payment information from my current lender. This means application is in the final stages of processing and is ready to fund with XXXX ... .. keep in mind it states " application '' is in final stages. I SIGNED THE MASTER APPLICATION PROMISSORY NOTE ON XX/XX/2006 GIVING PERMISSION TO MOVE FORWARD WITH DOING A SPOUSAL CONSOLIDATION LOAN. DID NOT GIVE PERMISSION TO DO THIS BEFORE. THIS IS THE LEGAL BINDING CONTRACT THAT SEALS THE DEAL XXXX XXXX  sent account statement letter with all loans detail breakdown : original loan amount, interest rate, first payment due date and actual/separation date of * I MADE PAYMENTS TO XXXX XXXX  BEFORE THE SPOUSAL CONSOLIDATION LOAN WAS ESTABLISHED.. PAYMENTS MADE WAS IN THE AMOUNT OF {$390.00} IN XXXX AND XX/XX/2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Consumer Financial Protection Bureau, Servicing of my loan was transferred to Specialized Loan Servicing ( SLS ) on XXXX XXXX 2015 and I received my first billing statement dated XXXX XXXX 2015. The billing statement contained XXXX glaring errors, including incorrect balance, wrongly applied payment, incorrect finance charge, and incorrect calculation of next monthly payment. 

I submitted a qualified written request to SLS on XXXX XXXX 2015 clearly pointing out the errors, providing detailed explanations of the correct calculation of each element of the bill, and provided statements from the previous servicer demonstrating the correct calculation of the bill. 

I received a response from SLS which failed to correct or even address XXXX of the XXXX errors. The response merely noted that " our records indicate that the payment received XXXX XXXX, 2015 has been adjusted with a reversal of {$1600.00} from the payment and applying it to the principal as of XXXX XXXX, 2015. '' This amount is incorrect and no explanation was given for how they arrived at this amount. The correct adjustment was clearly explained in my letter. 

Their response failed to even address the other XXXX errors regarding the incorrect balance, incorrect calculation of interest, and incorrect calculation of next monthly payment. 

Therefore, the response received from SLS did not satisfy the legal requirement under the Real Estate Settlement Procedures Act to either correct or explain the errors pointed out in my qualified written request. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : I've contacted XXXX XXXX & XXXX to verify this alleged debt using the CFPB platform, and I haven't gotten a response to date. I asked XXXX XXXX & XXXX for a breakdown of fees, including how they calculated what they claim I owe. A copy of my signature on a contract or document that holds me responsible for this alleged debt. Proof that they are licensed to collect debt in my state. To cease any credit bureau reporting until I have validated the debt as required under the FCRA. XXXX XXXX XXXX XXXX failed to respond with the requested proof, so I'm asking that their report be removed along with anything associated with it 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft! I am a real person this is not a credit reporting agency helping me I am a human being conducting this transaction personally there are five accounts reporting in Experian/ XXXX XXXX and XXXX that are fraudulent! Ive reached out to them directly Several times the past two years! As well as file complaints with the @ CFPB and the Federal Trade Commission Report Number XXXX : ExperianXXXX  have not reinvestigated my dispute nor removed/blocked or complied with the CFPb or the FTC. The last explanation that I got for them not investigating my dispute was they said and I quote we didnt Investigate that is because you maybe had a third-party prepare or help 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 non-monetary relief
Consumer complaint received 2019-02-16
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On XXXX XXXX XXXX XXXX XXXX mailed me back a pile of invoices and a letter claiming they dont want to help me. My initial complaint was based off incorrect information that was being reported to all 3 credit bureaus and charges from ex boyfriends transactions as a authorized user that were not authorized. However, the company failed to keep up to date records about a past delinquency due to unemployment and my ex boyfriends ( unauthorized ) credit card charges. The debt has been paid for and should not be reporting because there are fraudulent charges from my ex boyfriend after I broke up with him in XX/XX/XXXX. I feel the information on my report is being used unfairly against me and the bank refused to help me in my situation. The debt has been paid and it has been 7 years and should be removed from all 3 of my reports. The delinquency was fraud and the bank failed to properly investigate my case and I was not able to make my payments. I had positive payment history before the period of unemployment and want the accounts off my credit report due to the fact I paid the debt and I dont want to keep being barred from employment opportunities.

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 2022-10-02
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:
This account is reporting on my credit report as a collection, and I did not open this account. This is clearly a result of identity thief and this need to be removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX {$17000.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; FACTUAL DATA XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.

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 2022-07-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Creditor is attempting to collect on an alleged debt that has past the debt statute of libation for residents of NY which is three years. I have attempted to request validation as per USC 15 1692g and notice of expired debt was sent but this creditor refused to cooperate with any of my requests. This creditor continues to violate my rights as a consumer and needs to take responsibility for their actions.

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 2016-07-11
Company: PLAZA HOME MORTGAGE, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took a XXXX mortage thru plazza home mortage. They had me put {$3500.00} extra in escrow. They have since lost the {$3500.00}. No one will speak with me. Have been calling since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Halsted Financial Services, LLC.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Halstead Financial Services has been calling me on and off for 2 years trying to collect a medical debt from a hospital i have never been to. When I request a bill they say they have sent bills and I have not responded. They state they will list me as a refusal and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: AES/PHEAA
State: NY
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 on the income based repayment program for about 2 years. During that time, interest continued to accrue which was then capitalized. The reason someone goes on a program like IBR is because their salary is not enough to allow them to make the regular payment. I checked the payment history today. {$68000.00} in INTEREST and {$35000.00} in Principal. The outstanding balance is still very high and accruing interest at 6 % ( higher than private lenders ). The amount I paid for the interest that accrued during IBR should be applied to the Principal. The true middle class of this country is going to be forever burdened with debt if they are paying student loans their entire adult life. If a private lender charged the amounts and had a disproportionate balance as I listed above, they would be in legal trouble for usury but somehow that does n't apply to the federal government. 
Who gets to hold the federal government accountable for this? 
It would also be prudent to allow people the option to have their federal student loan payments deducted from their check pre-tax. This provides the government with a guaranteed payment and saves the borrower from being double taxed- taxed on the income then taxed on the balance of the student loans. This option would provide borrowers with a little extra money in their pockets at the end of the month, perhaps so they can make additional payments on their outrageous student loans.

Company response to consumer: Closed with explanation