BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed a collection account and received a letter dated XXXX/XXXX/2016 stating that the record would be deleted from all credit files. I just noticed that after deletion the trade line has been added back to my XXXX report. Equifax sent a standard response of : Please be advised the creditor verified the XXXX XXXX XXXX account number XXXX correct as reported by credit grantor in case number XXXX. 
Apparently the letter ATTACHED stating the trade line will be deleted was NOT reviewed!!!!!!! Is this website/credit bureaus even PARTIALLY responsible for assisting with this matter instead of just replying with a simple one liner WITHOUT reviewing the facts???!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have multiple times over the years asked Navient, my student loan company, about refinancing to qualify for the public service loan forgiveness. It is difficult to understand why the requirements are in place the prevent me to qualify. I have diligently paid my student loans now for nearly 20 years. I have worked in XXXX XXXX, with the state of XXXX, for nearly that long. They should allow me to qualify, but refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
equifax XXXX blocked me from getting my report and when i have disputed items they have said they mailed out the paperwork but i have never got it im trying to fix identity theft issues and they keep putting me in the special handling dept and will not let me pull my report from any credit monitoring service all i want is to be able to pull me credit report to see what changes have taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My Equifax and XXXX reports are saying that I am utilizing over half of the available credit I have, because they are reporting that XXXX of my cards that have a zero balance, still have the balance prior to my paying them. What 's odd is that right after I paid these XXXX cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I HAVE DISPUTE XXXX ACCOUNTS ON MY EQUAFAX CREDIT REPORT ABOY A MONTH AGO. I EVEN DISPUTED THE ACCOUNT WITH MY CREDITOR RECENTLY AND THEY SENT ME A LETTER THAT THEY HAVE UPDATED MY CREDIT REPORT ACCURATE. ON MY OTHER ACCOUNT I HAVE DISPUTE A NOTICE THE INFORMATION I HAVE DISPUTE HAS BEEN UPDATED BUT THE BALANCE IS NOT UPDATED OR CORRECT. SO EARLIER TODAY I WAS GOING ON LINE TO FILE DISPUTE AGAIN WITH THE CREDITORS AS I WAS LOGGING ON TO THE ONLINE DISPUTE ON EQUIFAX .I LOOK DOWN ON XXXX OF MY ACCOUNTS THAT I WAS GOING AND I SEE THAT MY 81 MONTH PAYMENT HISTORY HAS BEEN UPDATED AND IT SHOWS THE MONTHS AS CURRENT FOR THE MONTHS. AS PAY AS AGREE BECAUSE ON MY EQUIFAX CREDIT REPORT IT SHOWS A NOT REPORTED OR NR ON THE MONTHS IN QUESTION. SO I CALL THE EQUIFAX DISPUTE NUMBER AND I ASK THEM WHY DO I SEE MY ACCOUNTS ON THE ONLINE DISPUTE SIDE AS CURRENT AND IT SHOWS MY PAYMENTS HISTORY CURRENT BUT WHEN I LOGGED INTO MY EQUIFAX PERSONAL SOLUTION ACCOUNT IT SHOWS NR AS NO REPORTING FOR XXXX AND ALSO MY XXXX XXXX ACCOUNT. ACCOUNT NUMBER FOR XXXX XXXX XXXX AND ALSO MY XXXX XXXX XXXX XXXX AND XXXX XXXX. THEY ASK IF I WANT TO FILE A DISPUTE. ITS LIKE I DONT NEED TO. THE ACCOUNT ARE UPDATED HOW COME IT DOESNT SHOW WHEN I LOG IN. THEY DIDNT HAVE ANSWER FOR THAT. ALSO ON MY XXXX XXXX ACCOUNT IT STILL NEEDS TO BE UPDATED THE BALANCE OWE IS NOT RIGHT. I HAVE SUMMITED DOCUMENTS FROM XXXX XXXX TO SHOW THE CORRECT BALANCE. WHAT I OWE IS XXXX NOT XXXX. DATE OF LAST PAYMENT SAYS XXXX 2016. MY LAST PAYMENT I MADE WAS XXXX OF 2016. DATE OF LAST ACTIVITY IS THE SAME WITH MY LAST PAYMENT. I AM DISPUTING THE BALANCE, LAST PAYMENT ON MY CREDIT REPORT AND I AM DISPUTING THE DATE OF LAST ACTIVITY. ALL SHOULD SAY XXXX OF 2016. ON MY XXXX XXXX ACCOUNT IT STATES MY NEXT PAYMENT IS DUE XXXX ON XXXX XXXX 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: CBC Companies, Inc.
State: NM
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 reporting multiple account numbers as follows INNOVIS # XXXX, XXXX # XXXX ..., XXXX must delete this account do to erroneous, incomplete and unverified account number information. Attach to this dispute I am providing a letter from the actual furnisher of information with a different account number also an attach credit report from innovis also with a different account number both to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax Credit Report reflects adverse accounts which are beyond the seven year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of seven years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While i filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. This would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the seen year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are not requiring to furnish such information. Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. It would take but a minute to review the credit report to see that information is inaccurate. For example the XXXX account states the first Major Delinquency was XX/XX/XXXX but it also goes on to state that it was first reported XX/XX/XXXX. How could it be reported in XXXX if it did n't happen until XXXX? Please remove these adverse accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Equifax about the date of credit card closure and credit limit. However, upon disputing the information with Equifax on different occasions, I have gotten multiple different answers. Different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. Therefore, I ask that Equifax remove the closed XXXX credit card account from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: FCI Lender Services Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had forced placed insurance that has been cancelled as of XX/XX/20. I have been trying to have my regular insurance escrowed. Per representative XXXX ( assigned contact ) I should be calling the lender XXXX XXXX. Per XXXX I should be calling FCI lending. Per XXXX ( very rude person ) they do not know how to handle this and all should be handled by XXXX. Unable to reach additional members at FCI do to my call defaulting to XXXX as he is my assigned person. I have a payment on XX/XX/20 for forced place insurance and no one has been able to advise where this payment is. I am also making monthly payments to insurance and don't know how this is applied. I also tried going online to see my payment history, I had to change my password and an email had to be sent with a link. It has been 5 days and still no link. I call and XXXX  just said to wait for the link, did not even attempted to help. This is by far the worst servicing company. All I need is my insurance to be escrowed.

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 2015-09-30
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ditech Financial LLC is trying to collect an account that have already taken care by the bank on mortgage that was a predatory loan and violated my rights for refinance and my home was foreclosure. Company calls me with threats if this amount not paid they 're going to take illegal action and putting false information on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
Recently I submitted a dispute against XXXX ( XXXX ) -transaction date XXXX XXXX, 2016 for {$930.00} and received notice from Chase that my claim was rejected. My dispute is BECAUSE XXXX ADVERTISED COMPLETE WOOD SETS, UNDER THE WOOD SET TAB AND DELIVERED RESIN. 

I am escalating this to you because I have proof that my correspondence to Chase on the matter was ignored and hence do not believe my case was handled correctly. Please see the attached wherein I layout to Customer Specialist XXXX XXXX how the merchant misrepresented their product and why I want a complete refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I am a XXXX XXXX XXXX veteran. One thing i'm clear about is making sure I pay my bills and take care of my responsibility. I started the process of purchasing a house in XXXX and was told not to do anything with my credit. I was notified via credit monitoring that a company named Diversified Adj Svc has put an collection on my credit report. I called the company about the collection and they said I owed a bill from when I stayed in a duplex in 2015. I assured the collection agency that it was not my debt and I didn't even live in that duplex in 2015. The company told me it was a verified debt. While this is going on, my loan for the purchase of my house fell through. I had to get an attorney because not only did I lose out on possibly building the home of my dreams, this has also made my credit worthiness plummet. I am writing to ask for help in getting this off my credit report until my attorney can file the necessary paperwork seeking damages. I have attached the proof that I did not live in the claimed residence in 2015 at all. It makes no sense that these companies can just put anything on your credit report in complete disregard to the damage it would do without doing the necessary homework.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX sent a refund from a subscriber savings account ( SSA ) to me in my name but to my ex-wife 's address, with whom I hadn ; t lived in 11/2 years. My ex-wife, XXXX, put her account number in the endorsement section on the back of the check with the notation, " For deposit.only. '' We do have a son, but he is XXXX y/o and his name is XXXX. He may be on her account. This was XX/XX/2016 ; though I have talked to Chase Bank officers, they have not taken any action to correct their mistake and satisfy my complaint. I have filed a forgery complaint with XXXX police. No response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I applied for a XXXX XXXX XXXX credit card from Chase on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before I could open the account. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I 'm not sure how, but Chase was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. When I completed the verification on XXXX/XXXX/2015 Chase placed a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that one of the inquiries be removed. Chases agent was adamant that Chase would not remove the second credit inquiry from my credit report because it was " Not done in error '' I understand that every inquiry is part of the process to review an application. While I did authorize Chase bank to run my credit report ONCE, they were somehow able to pull my credit information from XXXX prior to my authorization and a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2017 my attorney in XXXX XXXX wired me {$16000.00} USD from his account at XXXX XXXX XXXX XXXX XXXX to our XXXX account using Chase Bank as the transfer agent bank. As of today, XXXX XXXX, 2017, the funds have not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Chase Bank refused to participate in the HARP program, which would have provided me a mortgage reduction that would have changed my property from its current negative status to one with equity. The alternative they offered prevents me from borrowing any money on my home or participating in a reverse mortgage program. They reduced it on this end, but they are holding me hostage through a balloon payment due in the future. The original mortgage was XXXX. They are reducing it by XXXX per year over a three year period. However, there is a XXXX balloon payment that will bring the mortgage back up to over XXXX which is all the house is worth. They postponed the debt ; they did n't erase it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Other

Complaint:
I have contacted XXXX and XXXX many times to dispute this Chase account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America XXXX closed my account kept my acount frozen for 3 months after all proper identity given funds are revered and negative on my account which is about XXXX and will not release my funds when clearly on black and white they are at fault. need help 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 explanation
Consumer complaint received 2022-12-14
Company: Maximus Education, LLC dba Aidvantage
State: MA
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:
Student loan payment refund requested on XX/XX/22. 
Was told 6-8 weeks to receive refund. 
Called multiple times and was told they are waiting for treasury and that it can take 8-12 weeks. 
14 weeks later,  still no refund or update.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Nelnet, Inc.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have many student loans from XX/XX/XXXX on my different credit reports. I became XXXX in XX/XX/XXXX and was approved to have my loans forgiven and were taken over from XXXX Department of education by Nelnet. Some of the loans have negative comments in the comment section that do not say paid in full and is causing my credit to be damaged. Some of the student loans have no amount in the balance column so it looks like I still owe money. They also state that these loans will be on my credit report until XX/XX/XXXX and XX/XX/XXXX. I would like the comments in the comment section removed and in the empty balance box want it to say paid in full. I do n't know what the rules are for how long these stay on my credit reports but over 10 years seams excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and again on XX/XX/2020. It is now XX/XX/2020 and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, TOYOTA MOTOR CREDIT CO add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
NONE OF THE ABOVE. NO CATEGORY FIT MY SITUATION : I went default on a credit card in the amount of over {$20000.00} With Chase. Arrangements were made that the credit card company ( Chase ) would take out a specific amount each month from my checking account as payment towards this debt. At least 2 years of payments were made to them. In XXXX of 2015 I noticed that Chase was not taking any payments, I called and they said that they did not think that they would not get paid for a long time. I could not afford the $ XXXX they wanted, so they decide to consider it a charge-off. I was giving them $ XXXX I was paying them faithfully. Since they did not give me any written notice, and they sent me a XXXX form. I want to know whether they were legal in not notifying me that they were stopping collection of my payments. Maybe I could increase it a little. 
I want to know what my rights are here. Do they have the right to stop the payment arrangement with out written notice.?

Company response to consumer: Closed with explanation