BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On the date of XX/XX/2017 I sent out a payment in the form of a money order in means to make payment to a past due car loan balance. Only to discover that my money order was disregarded they stated it did not have my account number on it so it was not able to be processed. USAA then proceed to repose my car, deny having received the money order in the first place this spat lasted all of four days from customer service all the way up to management in that department. They took my car XX/XX/2017 and then sent me my money order back that following Monday XX/XX/2017 along with a letter dated XX/XX/2017 which stated the reason it could not be processed ( money order ) but when I looked at the money order I notice that someone from the bank forged my account number onto the money order. If they can write the account number on the money order then they can also process it into my account as it was intended to do in the first place right? I smell a rat!!! this feels personal not business. So now I can not enroll in school and my transportation is limited due to some ones personal attack on my life at USAA. I file this complaint to find out what legal actions can be pursued I do not believe it is legal to forge my information on to a money order that you did n't process because the lack of having that information on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- https : XXXX - from XX/XX/2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling 180,000 and that NO borrower has had their request approved or denied in more than one year.

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and XXXX loans showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order to discharge these student loan debts..

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/2021 - XXXX XXXX I have no knowledge of this inquiry and didn't authorize this company to check my credit.

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 2022-08-16
Company: Affirm Holdings, 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:
On XX/XX/2022, I received a mobile notification that an account had been reported as delinquent due to 30 days past due payment by Affirm. I contacted the customer service number and he stated that he did not show where my account was 30 days past due but that they have no control over reporting. He also stated that they TRY to report accurately. I informed him I am not and have never been 30 days past due on this account. He refused to correct or escalate this egregious error made on my credit report which has drastically damaged my credit portfolio in the eyes of other lenders. 

It is the legal duty of Affirm and XXXX to report 100 % ACCURATELY on my credit report. Affirm has reported false information to XXXX and instead of XXXX doing a thorough and proper investigation they have further irresponsibly reported FALSE and inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Three accounts on my credit report or report it as late payments this information is incorrect they were included in bankruptcy and should not be reported as late payments

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 2020-02-16
Company: EQUIFAX, INC.
State: MD
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:
Three accounts on my credit report or report it as late payments this information is incorrect they were included in bankruptcy and should not be reported as late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Issue : Chase has knowingly violated the Fair Credit Billing Act and Credit Card Act. 

Chase mishandled my XX/XX/2019 dispute for {$320.00} and rebilling me twice instead of refunding. Chase has been contacted XX/XX/2019 Just to give a little context, I contacted Chase to assist me with disputing the XX/XX/2019, {$320.00}, XXXX, transaction. The Chase dispute representative was advised that there was another transaction from XXXX XXXX of {$220.00} from XX/XX/2019. The Chase dispute representative was informed of the other transaction, to clarify that credits that were issued for the XX/XX/2019 transaction {$130.00} and {$130.00}. Chase informed me that they would be issuing a permanent credit of {$320.00} for the XX/XX/2019 transaction. On XX/XX/2019 I received a letter from Chase that stated I was being rebilled for credits that were issued ; however, this calculation is incorrect. The dispute representative cited that two credits were issued ; however, what they were not related to the XX/XX/2019 transaction, and were for the XX/XX/2019 transaction returns. Chase rebilled my account two additional times for ( {$320.00} ; {$270.00} ). I am disputing these amounts as they should not have been billed to my account. A refund of {$600.00} would resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced XXXX points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX has a accounts on my credit report that should not be there. Auto account number XXXX showing an opening date of XX/XX/2016 Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with 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 2018-05-08
Company: Performant Financial Corporation
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) was calling me at my workplace at least twice a day. I sat up a payment plan since they threatened to garnish my wages. I paid {$170.00} for 3 months until I lost my job due to the company closing. I started a new job a month later and the first week on the job my brother unexpectedly passed away at the age of XXXX. My ex boss called to tell me he got a wage garnishment letter through mail. I called the collection agency and tried to set up payment plan. They wanted new payment to be {$190.00} per month which I really could not afford but they threatened me with garnishment again. XX/XX/XXXX, I  signed the document and got thinking the next day, that this {$1300.00} debt was discharged in bankruptcy in XX/XX/XXXX. I called them back, sent them copy of bankruptcy, no more calls emails nothing. XX/XX/XXXX I called them back to find out what was going on, they now claim my wages will be garnished and I still need to make the {$190.00} payment. My husband is laid off and I do not make enough to pay this amount plus my car and house. She did not care and told me that is the way it is. No emails ever sent to me about the payment plan nothing. XXXX has screamed at me and belittled me and told me that I did not understand that my wages would be garnished regardless.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has been by far the worst to work with of all the credit bureaus. I had potential fraud on my account and was able to start a credit freeze with all three bureaus. About 3 months later, I requested the fraud alerts be removed and XXXX and XXXX each took about 5 minutes to complete that task but I have had to call Experian about 15-20 times and their automated system will not let you get to a person account representative. When I reach a business account representative, they advise they cant help. On one call about 2 months back I asked to escalate my issue to a personal account representative or supervisor and was told " no one was available and I would get a call back '' I requested to wait and they repeated " no one was available '' at that point I insisted I wait because I wasn't confident I would get a call back and the business representative hung up on me. I also never received a call back from that supervisor. 

I tried going through the automated system system and it says I do not have a hold on my account but multiple outside parties trying to pull my credit advise differently. I tried to go to the website and I get an error message directing me to call. When I call that number, its the same automated system where you can not get to a representative. Im just trying to unfreeze my credit!! please help.

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 2021-06-02
Company: Winklevoss Exchange LLC
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Gemini XXXX has locked US dollars in my account. It has been locked for weeks now where if I try to transfer money it states pending verification. I have verified my identification multiple time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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:
XXXX/XXXX  shows a inquire on my credit report on XX/XX/2018 but I never gave them written authorization to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged two overdraft fees, however I had funds to cover the items.

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 2018-05-08
Company: CarFinance Capital LLC, Irvine, CA Branch
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: Credit inquiries on your report that you don't recognize

Complaint:
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by CARFINANCE CAPITAL LLC on XX/XX/2017 which l have no idea about it at all.

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 2022-08-26
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:
I have sent in multiple letters with my FTC identity theft report and XXXX and Equifax have removed all the accounts I reported as identity theft but one account. XXXX XXXX is still reporting on my credit report. pursuant to 15 USC 1681c-2 : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt by such agency of, '' XXXX and Equifax have not giving proof of this account and they tell me the count is verified but they were not there when this transaction took place so I dont know how they are coming to this conclusion. I was under the impression that after I sent in the identity theft report all truths would be revealed but here I am again making a complaint about a two companies violating the law and I have to make complaints over and over with no remedy and no proof what so ever. How are these companies allowed to break the law with no consequence. I sent in my identity theft report. So why is XXXX XXXX still reporting on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX, I 've maintained this Chase credit card account ( ending XXXX ) for over 15 years, although I did n't use it very often. I was offered a Promo ( teaser ) Balance Transfer offer, which I took advantage of. Coincidentally, shortly thereafter, due to lack of use, I was informed that the account was going to be closed - which it subsequently was. None-the-less, I had borrowed the money and was in the repayment stage. Here 's the problem : According to the Cardmember Agreement which I 've had on file since XXXX, I was obligated to pay principal of at least 2 % monthly ( plus interest, if any ). For repayment of this loan the bank was charging me a 5 % monthly. I called and spoke with a supervisor, who directed me online ( while we spoke on the phone ) to a more recent Cardmember Agreement. That agreement stated that I owed 1 % plus interest ( 2 % is reasonable and what I believe I ought to pay each month ). He told me that he nor anyone could change the 5 % requirement. During the conversation the supervisor said he 'd send me a copy of the agreement. I told him that was unnecessary since I downloaded it from the website he directed me to. He sent it anyway. Just received, the newest agreement XXXX computer generated and tailored to my account specifically XXXX states that I owe a minimum of 5 % monthly, plus interest. It disgusts me when a bank creates the rules as they go. Since my account is closed, my belief is that they want repayment as quickly as possible and terms-on-the-fly work for them. Further, they maintain a threat of sorts, in that they can adversely affect my XXXXredit score if I do n't pay the minimum they demand. Please fix this problem for me and others. THANK YOU, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had an account with XXXX and they sold it to the collection agency without my permission and now the collection agency Credence is calling everyday after I told them not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16
Company: Credit Technologies, 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:
Credit Tech show an inquire on my credit on XX/XX/2018 but I did not give them permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, I received a report from your organization, and surprisingly, I found some unauthorized inquiry as well as invalid information, and it's written below : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I notified the creditor who made the inquiry to remove it and told them to stop doing these kinds of things but as of now, there's still no response from them, As I believed this violates the Fair Credit Reporting Act. I'm asking for it to be investigated thoroughly and do something accordingly with regards to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: LEXISNEXIS
State: MO
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:
All three credit bureaus the Nexus XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have four student loans with Navient, previously they were with XXXX XXXX but were switched. When I took the student loans out I was informed there would be different repayment options and if I do get behind on a payment I receive phone calls stating that they can help me lower my payments and to discuss my options. I call and they never give me any options or help to lower my monthly payments, they tell me there is no other options. My mother, who is also a co-signer, has called also to ask about my options and they tell her the exact same thing.

Company response to consumer: Closed with explanation