BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
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: Account status incorrect

Complaint:
My service provider granted me a COVID forbearance on my VA loan, due to a reduction in my pay during times of XX/XX/XXXX- XX/XX/XXXX. At the end of the forbearance I was given a 3 month trial period which i paid on schedule as directed. After the trial period the modification was fully approved and converted to 30yr fixed loan. 

However during the 3 months of the trial period, my credit account was reported to the credit bureau as 30, 60 and 90 days late even though all payments were made on time as directed by the service provider.

According to guidance i've received, the Cares Act states, " If your account is current when you are offered assistance and you follow the terms of the accommodation, your creditor should continue to report you as current ''. 

I need help getting the service provider to remove the 30, 60, 90 day missed payments 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 explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: DE
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:
I opened an account with XXXX on XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from my account.

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 2022-07-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX Account number ; XXXX XXXX This credit card shows in my credit report. It doesnt belong tome

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
They have been constantly leaving phone messages over the past several weeks. I can not afford the full amount of the loan payments. I was unemployed for  1.5 ye ars. I was even paying {$150.00} per month during that time out of my savings, which I was living off of.   XXXX  They are now calling family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXXof this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

I checked https : //www.equifaxsecurity2017.comXXXX and the results showed that I have been impacted by this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This issue took place once I requested a Medallion Signature Guarantee regarding me updating my name on my XXXX account. The individual who had the authority to provide me with the Medallion Signature Guarantee started questioning me regarding the XXXX account, he was hostile and demanded to know how much money was in the XXXX account, what I was investing in and what did I need the Medallion Signature Guarantee for. I advised him it was for a name change form that was sent to me via XXXX. 

After he refused to provide me with the Medallion Signature Guarantee even though I had my decree letter in hand which was what I was advised needed to be presented and with the court seal on it he still refused to provide me with Medallion Signature Guarantee. I then decided to closed my account with Wellsfargo due to the horrible customer service. 

Even thought I closed the account I requested access to pull up both XX/XX/XXXX and XX/XX/XXXX account statements and was advised that they should be accessible, but they are not because my access had been limited. 

Wellsfargo has been contacted numerous times regarding the access to the account so that I could have a copy of all my transactions performed during my time as a Wellsfargo account holder. The has emailed me several copies of the XX/XX/XXXX statement but not once have I received the XX/XX/XXXX statements and I have requested them three times now.  Nor can I login and pull them down as a PDF file on my own. 

I believe this act was caused due to me complaining on the man who could have provided me with the Medallion Signature Guarantee.

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 2022-07-12
Company: Experian Information Solutions 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 am reporting this because i have noticed inquiries on all 3 of my credit reports that I have not authorized or done. These inquiries do not belong to me. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX EXPERIAN XXXX Experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We responded to an offer by Chase bank to open a checking account and receive a {$300.00} bonus if we did a direct deposit over {$500.00} per month.While we were at their office they accepted my application and forwarded a request to the Treasury to switch my monthly SSA check of {$1500.00} to Chase.One week later we received a letter from Chase that they are closing the account. No reason was offered.We have tried to find out why they did this but Chase insists that they do not have to tell us why. We are very upset and puzzled since we have excellent credit and financial assets.We would like to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Braviant Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/19 ... I went online to balance credit. Com. After receiving 2 mail offers of pre approval letters of a install loan up to 1400.00 On XX/XX/19 I went online, completed the application and was advised I was approved for a amount of XXXX dollars. I called the csr li n.v e and they told me I would receive the funds in my account the next day on XXXX.. well later on in the day I log back on to check the first pay date and seen my app was now closed I called and the top told me I was denied with no explanation. I asked how could I be approved one min and denied the next even after giving my full bank information. Now no o w can tell me why it denied but they have ran my credit and has all my bank info. I'm filing a complaint for false advertising and fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: TX
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
I have just found out that my data was likely part of the data breach experience by Equifax. I found this out not by notification from the company itself, but by news articles surrounding the situation and my own initiative to check their website ( http : //www.equifaxsecurity2017.com/ ) which told me that Equifax " believe that your personal information may have been impacted by this incident ''. My complaint is as follows : 1. Equifax should be proactively notifying consumers who are at risk for having their data stolen. This is a massive breach that could have major repercussions for the credit of millions of people. I should n't have to be figuring out on my own if my data was breached and what I can do about it. 
2. I believe that my data ( and all of the data in this breach ) was mishandled in the first place to have been subject to such a major security issue. 
3. It should not cost the consume a dime to freeze their credit due to the negligence of Equifax. Not only does this provide barriers for people to protect their identity ( not every can afford the " low cost '' ), but it makes no sense in a situation like this where data was exposed through no fault of the consumer. Make freezing & thawing credit free and easy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
X/X/2017 Equifax had a security breach and I have been informed that my personal and financial information mat have been compromised. Not sure what else to say besides this is gross negligence and under no circumstances is it acceptable for such a large company with access to credit information to nearly all of the population of the U.S. to all this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I attempted to make a purchase online at XXXX using my Citibank debit card. The authorization didnt go through and I attempted it 2 more times. I then realized I should call my bank as the type and amount of transaction probably caused a flag on my card, some kind of fraud alert. I explained that the transaction was legitimate and asked them to notate my account that I attempted that purchase and would want to do it again. The representative said it was referred to fraud Dept for review, and that my card would be cleared In about 1-2 hours. This was at XXXX XXXX  on XX/XX/XXXX. I called again at around 2 ish only to be told by another rep that it could take up to 48 hrs. This is unconscionable and unacceptable as I called to explain the transaction and I was also thoroughly vetted by them. This account with Citibank and associated debit card is my only source and access to my funds. I am XXXX  yrs old without other resources. Citibank is holding my funds hostage. They would not let me speak to a supervisor when I requested and told me they had no access to the back office to which they kept referring. I spent over 5 hours trying to rectify this situation which - being there was NO FRAUD- should have be solved in minutes. Also, as big a corporation as Citibank is, they disclose no contact information for executive offices/officers. I even called general customer service and said I needed to make a formal complaint and the representative told me there were no issues with my account. I asked her to contact fraud while I waited to make sure. She didnt, but just transferred me to fraud - again- who verified what I already suspected- they had NOT REMOVED THE BLOCK ON MY CARD. I also feel that I am being punished because of the many calls I made to Citibank regarding this situation as the customer service supervisor said, you have made many calls. I said YES, You have basically frozen my funds!!!! I am sick over this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
hi I am a customer of Western Union and I am writing to file an official complaint with Western Union regarding theirmoney transfer issues. I have been sending money with Western Union since XX/XX/XXXX. Recently in XX/XX/XXXX, the company has adopted unfair trade practices in its money transfer transactions including offering different exchange rates when initiating a transaction via its mobile app as opposed to the in-store kiosks. 

Issues at hand : 1- within a periodof 6 months, Western union has hiked its online transfer fees from {$4.00} to {$5.00} and now to {$7.00} per transaction ( the latter is conditioned on a lower currency exchange fee _ XXXX ) 2- twice this week I initiated money transfer online but before I completed the transaction, the currency exchange rate dropped from UGX XXXX to UGX XXXX per US XXXX  dollar. Obviously I cancelled the transactions and did the transfers using the in store kiosks which gave me the higher currency exchange rates of ugx XXXX shillings XXXX per US dollar BUT with an even higher transfer fee of {$8.00} now. This is a ripoff and illegal to charge different charges for the same transaction to the same location for the same amount. 
Please help Very upset customer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer seems to be miscalculating my Income-Contingent Repayment ( ICR ) payment amount. They have been unable to explain to me why their calculation for my monthly payment is $ XXXX, when the estimator on XXXXXXXX shows my monthly payment estimate as $ XXXX. 

This servicer XXXX XXXX XXXX is difficult to contact, and their representatives are unhelpful and unable to provide information on their calculation of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: ERC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : My name is XXXX XXXX XXXX and I am currently a credit card holder of XXXX XXXX XXXX  furniture store. I have been disputing the late fees attached to my acct ending in # XXXX which have now accrued to {$190.00}. 
Please be aware that I have called on numerous occasions regarding this, to only be offered a one-time ( yearly ) waiver of 1 late fee. This domino effect of late fees are stemming from the fact that my billing address was never updated in the store back in XX/XX/XXXX when I initially placed my furniture order. 

When I received my first bill it was on XX/XX/XXXX and already had late fees when it was finally forwarded to me thru the postal service. I immediately called TD bank inquiring as to why they were sending the bill to my old address, when we changed all info in the store, when I placed the order and also gave the address to where to deliver my new furniture order. 

The staff member pulled up my account making note of an old order that I had previously paid off with XXXX XXXX XXXX and stated she does not know why it wasnt changed in the system but that she would amend the info and update it. She suggested that I pay my regular {$65.00} payment that day ( XX/XX/XXXX ) in which I did, and she would put a request in for the waiver of late fees. She also stated that I would be receiving my XXXX statement at my new address of XXXX XXXX XXXX, XXXX NJ within the next week or XXXX. 

I never received a statement for XXXX. I did, However, receive my first statement for XX/XX/XXXX at the correct address now with more late fees. I am requesting my account be adjusted to remove these late fees. I feel like I am being punished for something that fell short on the part of Raymour and Flanigan. I am now on a fixed income and these fees are causing me a major hardship. I have had other accounts with Raymour and Flanigan with Absolutely no issues that I have paid off in full and I would like to stay in good standing. 

These gouging fees can not be fair to the consumer. Especially when it was no fault of mine. I am requesting assistance from the CFPB in helping to rectify this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personally identifying information in a way that let malicious actors access it, along with millions of other Americans. They did not notify anyone for at least a month, and I discovered it through the news instead of immediately through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
On XXXX-XXXX-2017 Equifax was cyber attack resulting in hundreds on millions of people 's personal info including social security, DOB 's, and ID numbers being stolen by hackers. I was one one these people.

Company response to consumer: Closed with explanation