BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE 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:
I have contacted Transunion, XXXX, XXXX numerous times in regards to my personal credit report concerning inaccurate reporting. Unauthorized inquires, I have a fraud alert on my credit report though Transunion still allow my credit to be checked, also wrong addresses, phone numbers, and place of employment.

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 2022-10-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I tried to use my debit/master card and it was declined. I attempted to call Citibank 's central number and they indicated that they could not identify me because the information on my account did not match the phone number, address and email address that I was giving them. Therefore, I went into the branch that has known me for over 20 years and discovered that my account had been hacked and taken over by someone else. The events that they undertook are as follows : XX/XX/XXXX : Somebody ordered a new card over the phone and requested a " Fast Card '' delivered to an address in New Jersey. Please note that I live in California. 

XX/XX/XXXX : Somebody Called and changed the pin number on my existing debit/master card via a customer service agent. 

XX/XX/XXXX : Somebody, changed the email address on my account to XXXX XXXX XXXX. This is not my email address. This was performed over the phone with a customer service representative. 

XX/XX/XXXX : Somebody changed my email address via access to my account to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Again, I live in California. 

XX/XX/XXXX : Somebody changed the PIN on my debit/master card. They also went into my online account and moved money from three different linked accounts into the account associated with my debit/master card. 

XX/XX/XXXX : The debit/master card that was ordered to be delivered to New Jersey was used to withdraw {$1000.00} from an ATM in New Jersey XXXX There were XXXX transactions, XXXX being {$400.00} and two being {$100.00} each. 

Again, I discovered that my bank was emptied on XX/XX/XXXX when I tried to use my card. I reported everything to the bank and they performed an investigation. After several weeks they declined my claim because they said that I testified that I always had possession of my card. I argued that they gave a new card to somebody in New Jersey, so they filed an appeal for me, which was subsequently denied for the same reason. I spoke to a supervisor on the third attempt who again filed an appeal, which was also denied on the basis that it lacked credibility. I don't understand how the fact that they sent a card to another individual XXXX miles away lack credibility. 

I am hopeful that you can help me bring this to a conclusion and recover the {$1000.00} that was taken from my account due to Citibank 's lack of proper verification of identity. 

Thank 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 monetary relief
Consumer complaint received 2021-08-30
Company: National Credit Systems,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: Account status incorrect

Complaint:
Since XXXX XXXX I have file 4 disputes with XXXX  and 2 CFPB disputes with National Credit systems no no avail. XXXX  AND NCS despite legal court documentation ( court dismissal with no money owed to XXXX XXXX XXXX  ) and attached providing rental history directly from the original creditor stating there is no money owed since XX/XX/XXXX to XX/XX/XXXX ( move out dates ) and a surety bond paid out to the original creditor, they decided to record to all credit bureaus since XXXX that I still owe money to XXXX XXXX XXXX. After multiple disputes to XXXX  the continue to close and delete disputes as NCS is providing valid information. This is my final attempt to both XXXX  and NCS to remove incorrect account information from my credit profiles. I have yet to receive any response from NCS and XXXX  refuses to acknowledge all legal documentation that goes against FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CCS Financial Services, 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: Their investigation did not fix an error on your report

Complaint:
I have several.complaints with the first one being that I had iauto nsurance through XXXX XXXX. I prepaid each month for 3 months and then found a much cheaper rate so I stopped paying XXXX mutual which means they should have stopped insuring me. That's why it was prepaid. So I went with a different insurance company and then 3 months later got a bill from XXXX XXXX for 3 months of coverage. They just continued my coverage without my consent and then billed me. I of course disputed this so they put a collection on my credit report with the account named CCS Collections for {$170.00}. This was not a credit account and my service should have been terminated the first time I didn't prepay the service. Two credit reporting agencies have removed the collection. However one did not after doing an investigation. This needs to be taken off my credit. Please advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX I charged for XXXX XXXX despite insufficient funds and Chase accepted the transaction only to gauge me with {$68.00} in overdraft fees. So again Chase has overdrafted me despite my opting out ( this is now like the XXXX and XXXX time ) of overdraft coverage. Now, this time is a little different because it says in the overdraft fee that the XXXX charges were repeating charges, but this ca n't be the end of the story because XXXX checks every card it uses to authorize it when it uses it. It 's simply a slippery way for Chase to make an obscene amount of money off of a broke college student, again ... Of course they always check- that 's how the transaction gets processed. They have to because the charge is variable, just like a XXXX purchase ; it is NOT a uniform repeating charge, and Chase 's advertising is both slippery and false, and difficult to understand for the average consumer in this context. I do n't have the means to pay the extra charges, and the XXXX should 've been denied- I would 've just used my other card ( XXXX ) had I known that! I Needless to say I will be using another bank after this issue gets resolved, or a credit union. 

AND I understand that XXXX charges are variable and that makes the whole thing more complicated, but it turns out I had well UNDER the MINIMUM XXXX charge in my account, and so the transaction should 've been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10
Company: Nelnet, Inc.
State: CA
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:
First off, I used an online application form offered by nelnet to fill out a request for a repayment plan. After I was finished filling out their form on their website, they said it was complete and they would request more information if they needed it. 1 month later, I receive notice on my account that I owe a large amount of money within a few days, which should not be so if they properly processed my application. I then call their customer service and I tell the representative about the application I filled out on their website, the note that they will contact me if necessary, and the confirmation email. She tells me that there is absolutely no record of that application and also adds " I would never trust anything online '' in reference to their website. She then tells me that I must take a forebearance on my account to give them time for me to fill out the forms all over again and for them to be able to process these forms. This adds several thousands of dollars of interest to my loan. I agree to it because she convinces me that this is the only option for me, as it will take a long time to process the new paperwork. 
This began in XXXX and I have been having trouble with them ever since and emailing back and forth about paperwork they need in order to finish processing the application -the customer service agent told me it would take 1 month. This last Friday, after several confusing emails, I called their customer service. I was told that the original online application that I had filled out on their website in XXXX, was clearly visible on my account according to their system. It also stated that all that was needed was XXXX piece of documentation regarding proof of income. Even though the online application told me in the confirmation I received that they would notify me if any more documentation was needed by them, I had received nothing. Also, my application that I had sent months ago, suddenly appeared. I mentioned to this customer service agent that it seemed really fishy that a few months ago their company would tell me that they lost my paperwork entirely and forced me to take a forebearance and add significant interest to my account, and suddenly the original paperwork is clearly visible in their system and all I would have had to do is send XXXX piece of paper that I could have sent within 1 day. He said absolutely nothing and remained silent until I asked a different question. 
I feel as though I have been scammed out of money. I am not a rich person, and that is very clear to Nelnet. For some reason, they decided to take advantage of my situation and my desperation to not let my loan go to collections. I hate to wonder how many other individuals in my same situation, have been scammed by this parasitic company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
America express business platinum card shut my account down. For point fraud claiming we used our points in a way that abused their policy. They would not tell me anything about what the alleged abuse We have NEVER done anything like that. That makes me even more concerned that there was fraud potentially on my account and instead of confirming its usage with me like any other company would when fraud is noticed. they indiscriminately shut my business card down. 
That card is used to help pay vendors in my XXXX XXXX. The most vulnerable population during COVID 19 pandemic. Putting me in a cash flow crunch  causing me to risk choosing between exorbitant PPE pricing, and payroll for my over 300 employees. The  hindrance to my XXXX  XXXX  I XXXX  for is absolutely sad! They a credit card are shutting down credit over a point issue that could possibly be cyber security breach that they are covering up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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: Information belongs to someone else

Complaint:
To whom it may concern ; I decided to check my credit, and I notice some fraudulent Accounts on my Credit that I did not Authorize. I also Notice that theses are open accounts using my Identity. I had no Knowledge of these Accounts. please close theses Accounts and Remove Them from my credit. this is very stressful and beyond Disbelief. I cant believe that I am a Victim of Identify Theft.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: AK
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 Account XXXX remarks from all three credit bureaus XXXX last payment date : XX/XX/XXXX XXXX last payment date : XX/XX/XXXX Experian last payment date : ( sometime in XXXX of XXXX ) ( charged off in XXXX, XXXX, XXXX XXXX ) This is an issue for me because not only are the dates between all three credit bureaus different, but Experian also has my account being charged off in three consecutive months.

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 2017-02-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Received from my employer, XXXX XXXX, XXXX Fl a {$250.00} Wells Fargo debit card for XXXX. 

Used my home phone ( XXXX ) to activate the Debit card and created a password ( XXXX ). 
On XX/XX/2017 purchased tile at XXXX, XXXX XXXX Fl, for {$530.00} -- using the Wells Fargo Debit card XXXX for {$250.00} and the balance was paid with my MC and XXXX card for {$280.00}. After full payment and use -- the Wells Fargo Debit card was lost. 
On XX/XX/2017 returned the unused tile to XXXX, XXXX XXXX Fl, for a credit of {$200.00}. The cashier put the {$200.00} credit against the Wells Fargo debit card by scanning the bar code from the original purchase receipt. The numbers I have for the above Wells Fargo debit card is, # XXXX -- do not have the???? string of numbers, and not able obtain that string of numbers. ( attached are XXXX purchase and return receipts of merchandise -tile, including XXXX return policy ). 

XXXX-original debit card purchaser, Wells Fargo Bank-Bank manager, seller to XXXX of the debit card-Visa Debit card services, including XXXX-tile retailer + customer service + store manager, has not been accommodating or helpful in getting my {$200.00} debit card credit returned. I now am not able to access or have use of my issued debit card credit of $ XXXX-returned tile merchandise, now currently residing at the Wells Fargo Visa Debit card account services and they are refusing to return the credit amount of {$200.00}. 
Can you please offer assistance?

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 2021-08-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX 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 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 2021-08-30
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 information incorrect

Complaint:
TransUinon, XXXX, XXXX  continue to violate the FCRA requirements by not deleting the inaccurate information on my cardmember Service account XXXX. The late notice for XXXX is inaccurate. I was never late for XXXX. I have provided proof documentation on numerous dispute to support my dispute. This willful inaccurate information continue to caused injury and harm to me financially and is preventing me from obtaining financing.

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 2021-11-22
Company: Experian Information Solutions Inc.
State: OH
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 have paid my balance in full with XXXX in my charge card. They are still reporting that I have compromised with partial payment. This is a red flag with my employer and effecting my employment eligibility. I need this reported correctly urgently.

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 2016-03-15
Company: Monterey Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was recently made aware of a debt that I may owe to XXXX XXXX XXXX XXXX XXXX in the amount of {$78.00}. This debt was related to a deposit account I had with this organization. I noticed the debt reporting to my credit files and disputed the information. I was quickly advised in writing from XXXX XXXX of this debt. I made a call to XXXX XXXX this morning XXXX/XXXX/2016 to advise them of my intention to pay this debt for {$78.00}. They had advised me this account was placed with a company called Monterey Financial based out of California. 

I contacted Monterey Financial when they opened this morning ( XXXX/XXXX/2016 ) and was advised for my account number with them and that my balance is not {$78.00} but {$120.00}. I argued stating that XXXX states it to be {$78.00} and that is what they are reporting. They stated that the account was placed with them for collections over 3 years ago. They had very old contact information and had no way of getting in touch with me. They stated they last attempted to reach me on XXXX/XXXX/2016 with no luck as again the information they had was almost XXXX XXXX XXXX. 

After going back and forth with their Agent XXXX XXXX XXXX. I decided I was getting no where. So I contacted XXXX again and they informed me that anything they would be charging would be their fees or accumulated interest on my original debt. 

To the best of my knowledge the FDCPA expressly forbids this. As a consumer I am not required to pay any unauthorized charges such as interest rates, fees, or other charges. XXXX also advised me on this call that only the amount of {$78.00} would be sent to them. I called back Monterey Financial and they advised me that the total amount of interest was billed at XXXX cents/day. This brought my balance to {$100.00} and they were charging a {$20.00} processing fee to handle my payment. They also advised me that they total amount of {$100.00} would be sent to XXXX and they only collect the {$20.00} for the payment fee. 

As far as I can tell I am paying an unlawful 10 % interest on a {$78.00} debt to capcom fcu and an unlawful {$20.00} payment processing fee to Monterey Financial. 

I made this payment because I am attempting get approved for a mortgage and was advised this could potentially hinder me. After making this payment I quickly researched and realized that I may have been charged undue interest and payment fees on behalf of XXXX and Monterey Financial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My student loan servicer is FedLoan ( PHEAA ). I applied for a refund of my student loan payments made during the payment pause. I requested a refund on XX/XX/XXXX. This refund request was for my last payment of {$21000.00} made on XX/XX/XXXX. I have not heard a word back from FedLoan regarding this refund. 

I have sent follow up emails to them and have not gotten a response. I know there are a lot of these refund requests but there seems to be no order or organization to this. 

I know people who requested a refund of multiple payments, and they requested it weeks after I requested it. However, they have had their loan balance reinstated as well as refunds of payments sent already received. 

Meanwhile I'm only requesting refund of ONE payment of {$21000.00} made on XX/XX/XXXX. The refund scenario can't get any simpler than a single payment refund. 

I understand that many people requested refunds before me, but many more than that have requested refunds FAR after me and for way more payments and have a received theirs. 

I can't even get an accurate date of when the refund request was sent to the Treasury or if it was sent at all. I can't get a response to my email inquiry. I can't get an accurate date ( s ) for processing or anything. I can't get any information from FedLoan ( PHEAA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: FL
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation