BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested debt validation/verification from  Bonneville Col lections. The amount and orginal creditor did not correspond with any information I had in my files. My first request was received by registered mail on  X/XX/2017   , my send request was received by registered mail on  X/XX/2017   . I provided my current address and identifying information. They have failed to respond to my requests. In addition, with each letter I have sent requesting verfication, they have marked my Credit Bureau account disputed/verified/resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Upon reviewing my mortgage documents I shockingly discovered another loan number and are inquiring. It says  Loan no .  XXXX    XXXX   XXXX   borrower   XXXX   XXXX   XXXX   XXXX  , mi  XXXX . dated  XX/XX/XXXX  &  XX/XX/XXXX    ID #  XXXX . THIS COUPON MUST ACCOMPANY PAYMENT of  XXXX  To ;  chase manhattan  mortgage corporation attn : financial process dept.     XXXX   XXXX   XXXX   XXXX  .     XXXX   XXXX  . Ca  XXXX  Please explain to th e CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a dispute letter to Experian about a account that is inaccurate, I have yet to get a response from them as of XX/XX/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 2022-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX XXXXXXXX XXXX On XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX XXXX  is a Closed/Charge Off Account and it should not be any activity once the account is closed. XXXX and Equifax are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

XXXX XXXX is Closed/Charge Off Account and Comments Say XXXX and Equifax Disputed By Consumer. Also on XXXX Date does not match, It is two different years for the day of last activity. XXXX XX/XX/XXXX... Equifax XX/XX/XXXX... XXXX XX/XX/XXXX. XXXX Open Date XX/XX/XXXX -- XXXX Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on XXXX, it shouldn't be any activities once account is closed. It has two different years the date of last activity XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX  Is A Closed Account On XXXX and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had  XXXX  credit cards wit h NavyFederal Credit Union that discharged ba ck in  2016  because I was not able to pay them. I recently started using my Savings Account at  NavyFederal Credit Union and to my surprise, I log into my NavyFederal Credit Union Savings Account this morning and they have arbitrarily taken my money from my savings account and applied it to the discharged c redit cards. How can they take my money and apply to an old debt that has been written off?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The information is incorrect I had never filed for bankruptcy. 

FCRA Section 623 XXXX, v. XXXX CORPORATION US Court of Appeals for the XXXX Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C No XXXX ).

Defamation, willful injury Extent of damages incurred by the wronged party, as deemed by the courts. 

This following information reporting on the XXXX CREDIT BUREAUS do not belong to me : Account name : XXXX, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$1200.00}. 

This information reporting on XXXX does not belong to me : Account name : UNKNOWN, alleged account No : XXXX allegedly opened on XX/XX/XXXX with an alleged balance of {$140.00}.

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 2018-03-27
Company: Santander Consumer USA Holdings Inc.
State: MS
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:
First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
This is a secondary complaint to Complaint # XXXX, since nobody at the CFPB or TransUnion actually read the detail of that first complaint. Maybe if I dumb this down a bit it will be easier to comprehend, understand, and resolve. 

I have requested method of verification from TransUnion three times and have not received it yet. I just keep getting generic responses that my disputes were validated. Who holds credit bureaus accountable? This is a clear, straight-forward violation of the FCRA and nobody is doing anything about it. 

Credit bureaus are required by law, in accordance with Section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act ( FCRA ), to provide consumers with the method of verification and description of the procedures used to determine the accuracy and completeness of their investigation into disputed information, WITHIN 15 DAYS of request by a consumer. I requested this three times now, the first time being two months ago, to no avail. 

TransUnion : If you can not provide me with method of verification and description of the procedures used to determine the accuracy and completeness of my disputed information WITHIN 15 DAYS OF MY ORIGINAL REQUEST, you MUST delete the disputed information. 

I am making this request publicly viewable, as I hope others out there can learn from my experience and know your rights under the FCRA. We need to work together to hold credit reporting agencies accountable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 is reporting chapter  XXXX  bk on my credit report on  XXXX   XXXX ,  2015 . I have send information from bankruptcy court stating courts do not verify a bk and transunion continues to report a bk on my report. This is the only bureau that reports this. They refuse to remove with the proper documation submitted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX/XXXX is a chargeoff account that as already been sold but is still reporting late payments along with XXXX XXXX. so that's a double reporting on one account which is a violation and after disputing this inaccurate information both comenity, and XXXX  says the account is verified. how can an account be verified but still reporting 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 2017-06-06
Company: Ability Recovery Services, LLC
State: OH
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:
This complaint is in response to complaint :  XXXX   <P/> I sent letters to company requesting verification/validation of this account via my signature. They responded on   XXXX     with a printed out form of account details. Still nothing baring my signature. They did not explain or indicate how this situation could be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
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:
XXXX XXXX XXXX  XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX ... this account is a charge off and was disputed as being reporting as unverified and inaccurate but on all occasions the company and the credit bureaus have not done anything except to respond saying the account is verified. how can a chargeoff be continuously reporting late payments when its a closed account meaning no new information should be reporting. plus they have a monthly payment and past due reporting on a so called chargeoff account. that is a violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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 HAVE  XXXX  ACCOUNT WITH CAPITAL ONE AND THEY HAVE FAILED TO  XXXX  AS AGREED TO WHEN APLLYING FOR CREDIT CARDS.  XXXX ,  XXXX ,  XXXX  AND  XXXX . I AM NOT PLAYING GANES WITH ALL CREDIT FURNISHERS WHO ARE NOT COMPLYING WITH AGREEMENTS AND THUS WILL NOT HONOR SAID DEBT, CLOSE ACCOUNTS AND DISCHARGED DEBT VIA  XXXX  AND CEASE ALL CREDIT REPORTING OR BE SUED IN CLASS ACTION EFFORTS.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AND  CAPITAL ONE FIN ANCIAL.  <P/> WE HAVE RETAINED LAW FIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, my Public Service Loan Forgiveness annual recertification was rejected for not having an employment start date, despite having been employed by XXXX as an XXXX since 2008, which my original form would state. <P/>I resubmitted electronically with a new form. I received a second rejection, this time stating I did not list a start date nor was the XXXX XXXX valid. I have downloaded the document I uploaded to the servicer and both details cited as reasons for rejection are in the document and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed for Federal Loan Forgiveness with Fedloan Servicing in XXXX of 2019, but continued to pay on my loans with XXXX, a Department of Education Servicer. I received notice from XXXX that my loans were being transferred to Fedloan Servicing on XX/XX/2019. I had already paid XXXX on XX/XX/2019 my XXXX, 2019 payment. When Fedloan received my loan from XXXX they again billed me for the month of XXXX of 2019. I had no choice but to borrow the money and pay them a second payment for XXXX of 2019. I phoned Fedloan Servicing about this matter and spoke with XXXX ( operator # XXXX ), who transferred me to XXXX ( service operator # XXXX ), who transferred me to a supervisor XXXX ( operator # XXXX ). It is not fair that I be charged two payment in the same month. Money I do not have that is being juiced out of me by Fedloan Servicing who is in a position to deny my loan forgiveness if I do not pay. I want my second payment for XXXX of 2019 returned to me or applied to a future payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On X/X/2017 I went to pickup eyeglasses at store. I only took 1 pair but was billed for 2.  Clerk took 1 pair off bill. It is now XX/XX/XXXX and second pair of glasses still on bill. I have called multiple times and they assure me charge is being removed but it is still on this month bill.

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 2020-10-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I sold some items in XXXX and my Paypal account was credited. 

I want to transfer that money into my bank account. 

Paypal requires me to provide my bank login credentials ( userid and password ) in order to make the transfer. 

Why do I need to provide my login credentials? 

It is sufficient to provide routing number and my account number. 

Can you please help me get my money? 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a home equity line of credit through Wells Fargo Bank. I got behind on my payments due to an imposed retirement from my job after 29-1/2 years. I am really surprised at how aggressive Wells Fargo  has been considering that they are a second lien ( I have a primary mortgage with  XXXX   XXXX   )  on a house that realtors tells us is already " underwater '', that is we already owe more on the house than what it 's worth on the market.  <P/> On  XXXX   XXXX  , 2017, Wells Fargo had  Substitute Trustee Sale of the property for $  XXXX . This is only a fraction of what the property is worth. We tried to p ay Wells Fargo our  delinquent payments, but they refused to accept.  <P/> There is something seriously predatory about this practice!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I 've been paying all my bills on time with  American Express for  about 15 years, but on  X/XX/17    AmEx denied my request to reinstate account  XXXX   XXXX   XXXX . I wish to complaint for religious discrimination in denying account based upon the perception that I am  XXXX . My  credit score i s very high, with no derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
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 fraud alerts or security freezes

Complaint:
On XX/XX/2019, I received an email from Experian that my IDnotify service had expired. I have no problem with this since I was expecting it. The problem arises when, in the same email, they notified me that my Experian credit file had also been unlocked. Before the days of free credit report freezes, I paid Experian to freeze both my and my wife 's credit reports. Having paid to have it locked, I expect it to stay locked until I request the freeze to be lifted and they should not be able to unilaterally unlock it unless I request it. 
I tried to log on online and for some reason they would not let me log in to my account. I tried to call the number they gave me ( XXXX ) and was told that because of large call volumes, I should call back later. In dealing with the privacy of my finances, this is unacceptable. 
I have no idea if my credit report is frozen or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
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: Information belongs to someone else

Complaint:
Transunion knows someone has been trying to open accounts in my name Despite sending them several police reports and letters from the companies themselves, they continue reporting information that does n't belong to me, such as  XXXX   XXXX ,  XXXX  and credit inquiries. i have n't authorized any credit inquiries in the last 3 years and none listed are covered under fair use, yet they refuse to remove them saying my documentation is n't adequate.

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 2020-10-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had Identity Theft did a Police Report went to the bank to fix issue the bank knows what has happened but yet Refuses to give me back all my Funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: AES/PHEAA
State: FL
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:
Fed Loan Servicing put my loans in deferment. I never asked my loans to be put in deferment. They intentionally put my loans in forgiveness in order to extend the loan repayment period. I have been paying my loans every month of over two years now and I never wanted my loans to be in deferment. Fed Loan Servicing is intentionally putting my loans into deferment in order to to extend the loan repayment period. I never wanted my loans to be in deferment. Fed Loan Servicing put my loans in deferment about three months ago which I never asked for. Fed Loan Servicing needs to retroactively return my loans to normal repayment status back three months. There should n't be a deferment period in my loans as I never asked for a deferment period. Fed Loan Servicing is intentionally trying to extend the repayment period on my loans by putting my loans in deferment which restarts the clock for loan repayment.

Company response to consumer: Closed with non-monetary relief