BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
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: Their investigation did not fix an error on your report

Complaint:
TRANSUNION WAS SENT MULTIPLE LETTERS WITH MY IDENTITY THEFT REPORT INCLUDED, BUT STILL HAVE YET TO DELETE ANY OF THE ACCOUNTS WITHIN. ACCORDING TO 18 U.S. CODE 1028A, AGGRAVATED IDENTITY THEFT, TRANSUNION IS IN VIOLATION AND IS VIOLATING MY RIGHTS. AS A RESULT, I AM DEMANDING FROM TRANSUNION, AN IMMEDIATE DELETION OF THESE ACCOUNTS, AS WELL AS ALL NON-ACCOUNT HOLDING INQUIRIES.

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 2017-07-19
Company: Navient Solutions, LLC.
State: IL
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:
Starting nearly 18 months ago. My loan servicer Navient has been claiming they have not received my income based repayment application. XX/XX/XXXX- I applied for income based repayment. Shortly after I started receiving calls regarding my late balance. They asked me to resend it and they offered to put my plan on forbearance for 3 months to ensure it would stay in good standing. I immediately resent the application. XX/XX/XXXXXXXX I started receiving calls again claiming they had not received my application. Again they offered forbearance for 3 months. Again I sent my application. XX/XX/XXXXXXXX calls started coming again, this time I pressed them for more information, stating that I had sent it 3x already. Only then did they say " we have your application on file it is missing a signature ''. Again they offered forbearance, and I again I filled out and sent an application. XX/XX/XXXXXXXX Calls came in again. Again when I pressed them for more information they said that they received the application but that my tax return was missing ( it had been sent together with the application ). When, they offered to put me on forbearance I said no- I will send my app today and I expect a phone call within 48 hours. 48 hours later ... received phone calll, we received your application lets just put you on forbearance until it processes. XX/XX/XXXXXXXX Received phone calls that my account is passed due ... I told them, I am consolidating my loans, please dont ever call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert that a hard inquiry was done for my credit by capital one on XX/XX/22. I do not have any credit with capital one and did not request anything from them. I contacted them to find out why there was a hard inquiry and what to do and they did not help me and said I didnt have an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: NC
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:
I disputed an item that was removed from my XXXX Credit Report. Experian said they investigated it but it still remains.

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 2022-03-21
Company: Experian Information Solutions Inc.
State: IL
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:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS

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 2021-11-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I noticed a monthly service fee charge while reviewing my online banking charges and decided to place a call to XXXX for further information. I spoke with a XXXX agent who advised me that I was receiving this charge because I was not meeting the requirements of the account by maintaining a minimum balance of {$XXXX} or having {$XXXX} deposited into the account. I have been a XXXX customer since XXXX and have never been informed of this. I explained that when I initially opened this account I was advised of a minimum amount of transactions in order to avoid any of these charges. The agent then told me that this changed in XX/XX/XXXX however, the fee was waived for XXXX months. After I again explained my frustrations I was then transferred to " XXXX XXXX '' who told me that this was explained on my bank statement from XX/XX/XXXX that was sent via email. When I questioned why I was not charged last month she stated that the fee was waved for XXXX month which I agreed to and I was given a complimentary waive for last month. This makes absolutely no sense and there are several discrepancies within the information being told to me which I also explained to XXXX while she repeatedly spoke over me again and again. I requested to speak with her superior which she refused and stated thatshe would submit a complaint for me and provided me the complaint number of : XXXX. 

This entire situation with Wells Fargo is extremely unethical and is a display of severe gross misconduct.

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 2022-03-21
Company: CAPITAL CENTER LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Misleading advertisement by the CapCenter, Virginia. The CapCenter advertises zero closing mortgages. For example, when quoted on-line it shows that for an investment property XXXX fixed loan is priced at 3.5 % and that closing costs are only the taxes to be paid. After application is filed ( XXXX is XXXX ), the company reports that they need to charge a $ XXXX fee because property is " investment '' or charge a higher XXXX ( XXXX higher than quoted on-line ). Both on-line and after application quote have the same information, same purpose, same assumptions and the same income information. This is a predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
30 days ago i contacted each CRA to update my credit report and take of all negative items hurting my lively hood in which they did a false investigation and never rectified the accounts

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 2021-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America Checking/Savings Impersonating bank representatives to keep account on dark web Mail fraud pertaining to this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received letter from XXXX XXXX XXXX XXXX XXXX I sent letter as i do not owe them anything. They claim to have purchase third party debt from MBNA.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Agreement the Fair Credit Reporting Act XXXX  with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.

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 2022-07-14
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022 I received a call from Source Receivables Management about an alleged debt to XXXX. I verified my identity with the agent. I advised that I had an updated address which I provided, then I advised them that any communications going forward needed to be in writing only and that they were welcome to send me relevant documents so that I could determine if the debt was in fact mine. On XX/XX/2022 Source Receivables Management called me again. The agent told me that if I didn't pay the debt that it would be reported to credit agencies. I stated again that I was only to be contacted in writing and that I needed to examine the evidence. The agent stated that 3 previous companies had attempted to collect the debt and if I was unable to determine with them that the debt was mine that there was little chance of me getting new information. The agent was rude and demeaning. I called the agency back and spoke with XXXX who again attempted to get me to make a payment. She stated that the company was aware of my request to be contacted in writing only, and that a letter was sent to me on XX/XX/2022, but likely was not received yet. As of this writing their letter has not been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX CFPB : JPMChase hired a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure to take away everything that I owned, the personal property of five ( 5 ) generations of my family from my Family Homestead, XXXX XXXX XXXX, XXXX, IL XXXX, which my parents, XXXX and XXXX, had built, XX/XX/XXXX. It is a violation of Illinois Law to hire a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure. I demand the immediate return to me of everything taken from XXXX XXXX by  JPMChase in violation of the Illinois Unclaimed Property Act and other Extant Legislation. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TD BANK US HOLDING COMPANY
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 status incorrect

Complaint:
I have a had a Target Credit card and have never missed a payment up until recently. I have always been on time and up to date with it and thought that I had set up auto pay back in XXXX to continue making my payments for me. I was under the impression that I had set up auto pay and then recently had received a letter in the mail telling me I missed my payment. I had no idea that my auto pay was off. I am in the process of buying a home and the late payment mark on my credit report is bringing me down significantly. I do not believe this remark is accurate to me and my credit history as I was ALWAYS on time and would pay off my balances is a timely manner. Target had refunded me the late fee already because they understood the mistake and know that is not my history, but is unwilling to remove the mark on my credit report. I really need this removed in order to have a more accurate credit report score. I have no credit card debt and have always been in good standing with the XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: AES/PHEAA
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:
I had consolidated my two student loans under the Direct Student Loan program in XX/XX/XXXX. 
In XX/XX/XXXXXX/XX/XXXX, I was employed under the XXXX   XXXX XXXX  as XXXX at XXXX   XXXX XXXX XXXX, which was a certified job under the Public Student Loan Forgiveness Program. I have been employed there for over 10 years and paid all my payments on time but the Department of Education said that I was not in a qualified loan even though I had been in the Direct Student Loan program. They said I should have been in an Income Based loan program. I was never told that until now by my loan servicers ( there were more than one and XXXX was one of them ). Now the government is saying that I have to start over with my loan program under an income-based repayment loan for 10 MORE years. I am still owing approximately {$63000.00} on students loans that I was told would be forgiven. I am not sure what to do, but was told that CFPB may be able to file a complaint with someone about it. I personally blame the US Department of Education because the type of loan that they are saying that I needed to be on didn't even come into existence until like XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is EQUIFAX STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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. The list of accounts below has violated my federally protected consumer rights to privacy in confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
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: Account information incorrect

Complaint:
On XX/XX/2021 I purchased a car through a pre-approval that was sent through my XXXX XXXX Credit card. I went to the dealership to present the pre-approval and was told I could then start to search for the car I wanted. I filled out some paperwork, picked my car. Easy Peasy. I recently checked my credit report and noticed that the care salesman san my credit about 6 times for several different companies despite me already having a pre-approval from XXXX XXXX financing. These inquires were unauthorized and I've been working diligently to have them removed. I was told that I needed to submit this report in order to start the process y XXXX representative _employer number ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I got the following email from Chase this morning '' We have processed your request to change your e-mail address, based upon the information you supplied. 
Beginning immediately, we will send all future e-mail messages to your new e-mail address. You may want to review your Alerts delivery profiles to make sure future alerts are sent to the correct addresses. 
If you did not request this e-mail address change or have any questions, please send us a secure message from your Secure Message Center Inbox. " I actually did n't change my password, so I wanted to login my account to send a secure message. But my online access was suspended. So, I call Chase fraud department, they just changed my email back, and told me I need contact the customer service department to reactivate my account. After work, I waited for more than XXXX minutes to talk with a representative. She told me I need go to a branch. But the nearest branch is XXXX miles away. I asked what 's wrong with my account, she refused to tell me the details. It does n't make sense I need drive XXXX hour round trip for an issue I actually did n't do anything. I continued to ask if I can still use my current credit card, and it there a easy way to resolve this issue. The representative did n't answer my question, and told me that 's all she can help and disconnected the phone call. I never saw such bad customer service before. I have spent more than XXXX hour on the calls totally, but so far, I did n't even know what happened to my account. If some hacker changes my email every week, should I drive to the branch XXXX miles away weekly? That 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Someone used my personal information to make unauthorized inquiries. On my credit files fraudulent without my permission with Trans Union, and XXXX. The inquiries XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX All the inquiries took place on XX/XX/2022 2022

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 2022-07-14
Company: Experian Information Solutions 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:
To whom it may concern I XXXX XXXX sent a certified letter to XXXX in regards to them reporting inaccurate information on my consumer report. On XX/XX/2022 they responded saying they did an investigation and VERIFIED that all information was reporting accurately. I supplied them with evidence which showed that they were reporting inacuurate information. Instead of doing the proper investion pursuant too 15 USC 1681s this agency choose to still report inaccurate information which is causing me great harm. I am again asking for help in this matter seeing that XXXX fails to respect my rights as a consumer and is continuing to violate those rights by reporting harmful inaccurate information.

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 2021-02-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

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