BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX Account Number : XXXX Late Closed XXXX XXXXXXXX Account Number : XXXX Charge Off XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Collection XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-03-30
Company: Experian Information Solutions Inc.
State: AR
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 am a victim of identity theft. I have requested to the bureaus on numerous occasions to remove these items from my credit reports. I am demanding to see a signature or contract for these items. If neither can be produced then I want these fraudulent items removed immediately.

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 2017-08-30
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX, I sent to, Hunt & Henriques, Attorneys in Law XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA. XXXX an offer to delete my debt and I never receive any response to my request.. I have the complaint # XXXX open with CFPB XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: KY
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 have view my credit report and I see there are inquiries that I are unknown of. And I want them off my credit report. These inquiries are on Equifax and I dont know why they are on there. 
Existing inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 continues to report inaccurate information from merchants and medical and also XXXXXXXX XXXX XXXX  according to them they verified this inaccurate information, at this point i feel like transunion is conspiring with merchants and medical and XXXXXXXX XXXX XXXX to defraud me. please help me this matter

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 2022-03-30
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan servicer is FedLoan Servicing. I am enrolled in an income driven/based repayment plan and XXXX XXXX XXXX XXXX XXXX XXXX I submitted my XXXX  request on XX/XX/XXXX and my repayement recalculation/monthly payment letter was received on XX/XX/XXXX and was calculated at {$900.00}. My wife and I are both enrolled in XXXX and XXXX plans. She found out that on XX/XX/XXXX her pay would be dropped by 20 %. We have XXXX children in daycare. On XX/XX/XXXX I submitted the paperwork to have my monthly payment recalculated as our total income had gone down and we both have student loan payments each month. On XX/XX/XXXX I received my recalculation letter and payment had infact went up to {$1300.00}. The following day XX/XX/XXXX I received another recalculation letter stating my monthly payment had gone up again to {$1400.00}. The same day ( XX/XX/XXXX ) I again submitted my paperwork to have my monthly payment recalculated because clearly mistakes were being made. On XX/XX/XXXX I received an e-mail notification that my recalculation request had been denied, but they would send a letter detailing why my request had been denied. This is the second time I've had to file a complaint against FedLoan Servicing due to mismanagement, poor communication, and for all around being a terrible loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Everbank did not send me any information to explore my loss mitigation options,  NOR  did they file an order notice as required by law in massachusettes at the registry of deeds, nor was I notified of the auction. Auction  date   XXXX  - I h ave an investor that wants to short sale need more time. I have n't received any correspondence on the foreclosure date by mail .Was notify by someone other than everbank Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical debt in the amount of {$240.00} that I recently paid. I received a notice form Transworld Systems Inc. I called to try to tell them I paid the debt, however the number goes right to a voicemail and I can not leave a message. There is a website, so I logged on but I continuously get an error, and the screen will not provide me a number to call. I have no way of communicating with them that this debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit act XXXX XXXX XXXX  XXXXXXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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.

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 2021-05-11
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: Information belongs to someone else

Complaint:
The 5 accounts that do not belong to me and I have opened an Affidavit notarized it for Identity theft and opened A Federal Trade Comission Report as well as reached out to the bureaus and the furnishers with all these documents and still nothing I hear crickets. Is this fair to treat citizens in this manner I am a victim and I feel like I am being ignores these accounts were never opened or used by me why is it in my report and why are the bureaus letting this happen???????? 

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX SVCS Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: ARVEST BANK GROUP, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my Escrow analysis for the year in early XXXX. I noticed right away my monthly payment went up XXXX dollars a month and we had no idea why. So after further review, I noticed that Arvest had double payed our home owners insurance. I called on XX/XX/XXXX to get this fixed and they assured me they would correct it. When I logged in XX/XX/XXXX to see if this had been fix, it had not. In the mean time, we had received a refund from our wonderful insurance company for the second payment. So I called Arvest to speak to someone. They said they had canceled the re-analysis of the escrow/mortgage after they noticed the over payment. But this did not fix the problem in our mortgage going up XXXX dollars a month. They then said they would complete the re-analysis and it would be corrected for XXXX which i disagreed with. I said, I called you on XX/XX/XXXX, and you didn't do what you said you were going to do. You are asking us to pay an additional XXXX dollars and many families can not afford to do that. So fix it for XX/XX/XXXX. I asked to be transferred to someone else, I was. She was able to get the escrow department to run the re-analysis right away and it should be fixed by the end of the month. I was very happy with that but I wanted you to be aware of this Mortgage company. XXXX. I have had 5 other mortgage companies and have NEVER had a problem. I worry this could happen to others who are not as aware and may be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Several unauthorized charges. My card was cloned. Several charges with same time stamp at 2 different locations. Capital one will not issue refunds back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: LEXISNEXIS
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:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorise, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorise anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had 4 separate private loans through Sallie Mae. When i went to refinance my student loans through XXXX XXXX they could only cover 3 of my loans for pay off. When i gave XXXX the information for each individual loan for pay off they dispersed the money with a document stating how much money was to be applied to each loan, XXXX XXXX had no knowledge of me having a 4th loan with Sallie Mae therefore when they sent the money for payoff they listed the 3 loans that would be paid off. When Sallie Mae received the check they applied the money how they wanted to, and took the pay off check and applied it to all 4 of my loans. Simply ignoring the paper work that stated what loans were to be affected by the pay off. Sallie Mae applied the money how they wanted too in an effort to keep me as a customer with 4 loans and 4 separate interests rates to make more money off me rather then applying the money how it was directed to be applied which would have left me with 1 loan with and 1 interest rate. Sallie Mae took it upon themselves to apply the money as they wanted and when i spoke with them all the could offer was an apology. But my other concern is that when XXXX or any company at that chose to refinance a loan for pay off they always send extra money in the check to cover any interest accrued during that period of time. When it came time for Sallie Mae to refund the over payment that had no idea how much it was suppose to be for because they messed up on properly applying the money they received for the pay off of my loans. After taking the time to figure out the correct amount of money that i was owed from the over payment, Sallie Mae argued over the amount i said was owed to me. After speaking with about 5 different people at Sallie Mae i was giving a different amount of money that was owed every time i spoke with someone there. My account online read i was owed XXXX while Sallie Mae was only trying to pay back XXXX when i asked how my accountant reads this number and your telling me another amount they had no answer for it. When i brought to their attention that I was aware that they were under investigation for falsely applying customers payments they quickly agreed to send me the check for XXXX with no questions asked. But my problem is that i am actually owed more then XXXX, i am owed approximately 500 dollars more. After i received the check for XXXX i cant seem top get a phone call back or find anyone to speak with you can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a morgage with Mr.Copper in XXXX of XXXX my husband XXXX from the XXXX. I then called Mr.Copper to ask for a forbearance they put me on it. I couldent make my payments for XXXX and XXXX. I then started to give them payments on XXXX and ask them to take me of the forbearance. They then said the would and started to send me paper work on how I would be able and that meant to put my payments on to the end of my mortgage and take a HUD adjustment I called them and told them I was not interested to do. They then told me that I was behind XXXX through XXXX. and had acured now interest on my payments cause I did not give my hole monthly payments. I started to give XXXX in XXXX and XXXX. in XXXX I called and finally I seen the amount I was to give of XXXX and I did. I was told then that if I gave XXXX for 3 months I would be ok. They said also that I was behind only XXXX. Today and I was left still on the forberance and gave my payment of XXXX that they said to give XX/XX/XXXX. they told me also that I didnt have to give payment cause it would do no good. But I did and told them I was told last time to do so and this would make me get back on track they then said it would not benefit me in anyway. I would really like to find out what is really going on cause this to much and for them to get me off the forberance that I have told many times to do and havent still and wish for them to show what is really my monthly payment and let me get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2017-06-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase is beginning to operate as a predatory bank. They have shown no accountability to the things they have done to my account. In XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account to my chase account to cover pending transactions and to have money for lunch. I checked my account to make sure the quick exchange transaction went through. From XXXX XXXX XXXX, the account money left my account immediately and the status was processed as in completed. Chase held the funds and did not give me credit for the sole purpose of charging fees. To avoid this, I took precautionary steps. I called and spoke with a manager about the transfer. He could n't understand why the funds were not in the account. I  explicitly explained that I did not want to be charged fees for the funds not being available and asked if I needed to make an additional deposit. The supervisor claimed he called the back office to ensure my funds would be credited. It never happened, he falsely notated my account, and they acted like I never had the conversation. I had to go through so many people to get them to pull the call and reverse the fees. 2nd incident happend in XX/XX/XXXX, when all their systems were down and no one could make a deposit except by going to the ATM. I did not have my card and I tried the quick deposit and branch option, but the computers were not available for the employees to use. I asked what their work around was, no one had one, not even a manager. I called the XXXX number, no access. I then contacted them on XXXX to make sure the same problem that happened in XX/XX/XXXX would n't happen. They assured me no one would be billed fees for this day because of the massage outage. You think Chase reps honored that? No they gave me a hard time crediting their fees even though I went a step further to transfer money to them from XXXX XXXX XXXX to demonstrate my efforts of trying to deposit money. Now, they have cut off my quick deposit due to the 6 fees I collected under their bank error. They keep moving around in circles and it 's inconvenience, and more importantly disrespectful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-16
Company: Onward Credit Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Will  one month I pa y {$260.00}. But next month it might go down on payment. They do not have a address. But the phone is   XXXX  . At  one time I  was pay {$150.00 } one month. But then I was paying {$100.00} a month. It come out my checking acct each month. I think might be a scam? But I not sure if they are scam. the APR is 395.1. I know that is hig h. If a person credit is poor or good. Is that APR is high? To me they seem like they are a scam. But they could be for real. Is there anyway you can check this loan company out? The name of this loan company is  Onward Credit. That all  information I have. But their phone number is  XXXX . Maybe you can help me with this. I want to know are they for real or a scam. Thank you

Company response to consumer: Closed with monetary relief