BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
In the last 6 months I have had to dispute information on my credit report 3 times with Trans Union. As of today they are not reporting my payment history within in the last 30 days and they dropped my score XXXX points with no apparent reason and did not address it in my latest dispute. This is negligence on their part that has a negative impact on my credit report and ability to obtain credit. Seeking a recommendation for a financial remedy.

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 2020-10-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Well I really didnt want it to come back to this I thought the issue was getting fixed but I guess this is how dealing with Huntington bank is gon na be. I was on here before because Huntington messed up my home insurance and wanted to charge me for forced place insurance but we have gotten past that I was reimbursed and they found that they were at fault and I was not so with that said my roof was paid for so Im very happy they stepped up and admitted to their faults but my ceilings are still messed up from the same incident and some how no one from Huntington knows how to straighten the issue out Obviously if the roof was damaged then the inside ceilings were damaged from the storm but whoever Huntington sent out took pictures of the ceilings and then it was like they were lost and after finally getting ahold of XXXX XXXX ( sorry if incorrect spelling ) enough times she found that the ceilings was denied I cant remember the exact reason but if I remember correctly they tried to say it wasnt from the roof being damaged Which is complete nonsense and just plain XXXX I am not a carpenter or ceiling person but I know what damage is and it also looks horriable I have called XXXX many times and just like before I never get a call back and when she directs me to call Huntington insurance they just dont know what the XXXX is going on or dont know how to do their job no matter who I talk to they send me to this person or this part of the company then they send me back and forth just to waste my time and not get anything delt with Ive called XXXX 3 times in the last 3 weeks and I will be caking Monday to And if shes is not able to get back to me then she needs to get me someone who will and also knows what all has happened This is not the first time I had horrible trouble getting ahold of someone or at least a call back my first complaint was the same I want my ceiling fixed Im tired of this cat and mouse game Their next excuse is probably gon na be its been to long well Thats not gon na fly the time it has taken to get even this far is because of Huntington I want a call from someone whos actually gon na solve the whole issue and is gon na actually call me back with their 24hr call back policy I was told about that no one there follows

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
Its a pretty simple issue. I have a credit card balance that I 'm trying to pay down, and my credit card company Chase offers XXXX methods for setting up a recurring monthly payment. You can either auto pay the full amount, or you can auto pay the minimum amount. They offer no option to auto pay an amount above the minimum, but below the full amount, therefore making it harder for the average consumer to automate and pay off their debt at something other than the minimum amount due. Its obviously unethical on their part in an attempt to force people to just pay the minimum and incur the highest amount of interest possible. The ability to offer an option to create my own payment on a recurring basis that is above the minimum payment would obviously be in my benefit and not theirs, so they do n't offer it although its an incredibly simple enhancement to make to their site at Chase.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: FL
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:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Equifax and XXXX Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX a time barred inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax and XXXX are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$3200.00}, {$1300.00}, {$4100.00}, {$18000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not 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 2022-09-16
Company: AES/PHEAA
State: ME
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:
I made my first request for a refund of payments made during covid on Monday, XX/XX/XXXX. The representative stated that because I had paid off the loans during covid, and they did not have a balance on XX/XX/2022, they would not be eligible for forgiveness even with a refund. I have come to learn that this is not true as their origination date is far earlier, XXXX. 

FedLoan Servicing needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled. These refunds are taking up to 150-200 days with no email or paper trail confirmation. I was not provided with a confirmation email, and anticipated dates, and was led to believe the loans may not apply for forgiveness. Many people are getting their refunds much faster with other loan providers, but Fedloan Services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about FedLoan services. HELP US PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: TX
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 ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days past due on the DPT ED/XXXX and US DEPT OF ED accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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 sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., 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 Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$240.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$11.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; 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 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 2020-03-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi CFPB, My name is XXXX XXXX XXXX, I check my credit report every couple of weeks Here 's the problems that hasn't been corrected since XXXX of XXXX, I contacted this creditors / companies by phone, Number 1. XXXX XXXX XXXX XXXX has made an inquiry on my credit report several months ago back in XXXX, which I spoke to the secretary of the dealership, at which time I explained to her that I didn't request for any information on purchasing a new car from them, nor did I fill out a credit application, nor have I ever been to the dealership, which was to relay this information to the top management there to remove this entry from my report to this date XX/XX/XXXX the entry hasn't been removed. 

Now for complaint number 2. I have disputed this collection amount of {$1300.00} that was place on my credit report a few years ago that isn't mine, nor do I know anything about, XXXX  XXXX XXXX, who has place this in collection with Merchant Credit Guide base in XXXX Il, located at XXXX XXXX XXXX XXXX XXXX XXXX, I have ask both the collection agency and the credit bureaus to remove this entry for it's not mine, I didn't required any emergency services until XX/XX/XXXX when I had XXXX XXXX at that time, which I was driven to the XXXX Hospital located in XXXX Illinois 25 minutes from my resident. Which I had XXXX XXXX XXXX XXXX XXXX XXXX, and still do as to this day. I file for a chapter XXXX back in XXXX of XXXX, which included all medical bills, as well as miscellaneous creditors. These items should be removed and my credit report with all reporting credit bureau should be update to reflex the changes. Along with the removal of several unknown reported entries, XXXX XXXX in XXXX XXXX CA, XXXX  XXXX base in XXXX XXXX NJ, XXXX XXXX no information for contact listed on report, XXXX Card no contact information listed on report, XXXX XXXX. no contact information listed as well for this company. 

Please investigate and has these entry removed from my credit reports that has handicap me for far to long. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was mailed a Best But Citi credit card. I called Best Buy/Citi to inform them that I never signed up for this credit card. I then got in the mail a notification that the credit card had been used and purchased goods on this card, which was fraudulently created in my name. After this occurred, Best Buy canceled the credit card for being created fraudulently. However, this credit account is still on my Credit Report and I still get mail about an outstanding balance to be paid. I filed a fraud claim with Best Buy/Citi and XXXX. I never signed up for this card or made purchases on this card, and need it removed from my credit 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 monetary relief
Consumer complaint received 2019-10-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I just noticed unauthorized inquires reporting on my credit report and i tried to call the credit bureaus to dispute them and was told they can stay on my file for two years but i did not ask for my credit to get pulled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.

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 2020-10-04
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My PA unemployment Reliacard was issued by U.S Bank. 
On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. 
I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. 
Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I have no access to my card or money. There are {$3100.00} were used in OHIO. But I live in PA and have never been to another state. 
I called the customer service and they keep hanging up my call while transferring my call to their fraud department. 
After attempting for a few hours they finally filed my fraud claim.

However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. 
Please help me with my unemployment money.

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 2022-03-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I spoke with Navient on XX/XX/XXXX, requesting to lower my payments. I was offered a graduate plan for {$190.00} per month. I was told that due to a system error the changes could not be made on XX/XX/XXXX. I was instructed that my loan was forwarded to the technical department to correct the error message. It was stated that the plan change would take plan in a few days. i was also instructed that one of my loans was paid ahead up until XX/XX/XXXX and the loan due date would need to be changed to XX/XX/XXXX before the graduated plan started. As of today, XX/XX/XXXX I am still waiting for the graduate plan changed to lower my payments. I told that the error message " remove auto-payment '' is still on my account and I must continue waiting until they can resolve the technical issue in their department. Also, I don't have auto-payment on my account. This error will affect my credit bureau and also my daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$3200.00}, {$1300.00}, {$4100.00}, {$18000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

6XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not 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