BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.

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 2020-01-09
Company: EQUIFAX, INC.
State: AR
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 have been a victim of identity theft and have been working on this for several months. I have been disputing an account on my credit report from a XXXX with Equifax and have sent several certified letters. They keep stating that this account has been verified which it can not be verified when its not mine. i am now to the point of a lawsuit agaist them if its not deleted. this is my 6th attempt and every time I attempt to dispute it with Equifax I get a updated but not deleted! the can not verify a fraud acct unless they are crooked theirselves. I need the original contract signed so I can prove that this is not mine Thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
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:
This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Premium Credit Bureau
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: Investigation took more than 30 days

Complaint:
Its been well past 30 days for the investigation and I havent received any information about the hard inquiries reporting on my credit report that I didnt authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 found lots of inquiries that i have no knowledge about it. and a wrong payment status in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: Paypal Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and they will not help me with getting me if back up and going I am not sure if this is some mistake as I assume it has to be. I have not able to get help from them for at least a month after I was told they will hold my money for at least 180 days. But I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used Paypal quite frequently. My email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: GA
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Navient Solutions, LLC.
State: MO
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 have been paying on this Navient loan since XX/XX/XXXX and the amount hasn't changed at all. This Navient loan started in the amount of {$19000.00}. Through the life of this loan, I have made payments in the amount of {$36000.00}. On the web site they don't give you an option to pay on the principal only. Therefore, I can not pay off this loan. I have asked to settle this loan and they will not settle. 
Here are the current totals as of XX/XX/XXXX. 
Original principal {$19000.00} Adjustment Total = {$600.00} capitalized interest = {$0.00} disbursement = {$28000.00} disbursement fee XXXX forbearance payment = XXXX Late fee XXXX Payment = XXXX Repayment Fee = XXXX Resale XXXX School Refund = XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: JPMORGAN CHASE & CO.
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:
Upon reviewing my credit report, I recognized unauthorized reports on my account. I reported to JP Morgan Chase that they have broken the law of reporting late payments to CRAs WITHOUT my written consent. They could not verify the alleged debt and the CRAs are all reporting something different on this account. I have reached out to the CEO of Chase as well as the credit reporting agencies and neither parties have fixed this issue in as timely manner. 

My initial attempt was taken place on XX/XX/XXXX. 
My second attempt was XX/XX/XXXX. 
My third attempt was XX/XX/XXXX. 

In addition, I have been harassed MULTPLE times in attempt to collect alleged debt. This receiving multiple phone calls at inappropriate times which also is in violation of Fair Debt Collections Practices Act 15 USC 1692g violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I uploaded, through my account on the XXXX website, an application for Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF, on XX/XX/XXXX. Knowing Fedloan would deny my application for PSLF, I sent an email, on XX/XX/XXXX, to XXXX and requested to be reconsidered for loan forgiveness using the TEPSLF criteria. 

On XX/XX/XXXX, I received a PSLF denial letter through my inbox on the XXXX website. And on XX/XX/XXXX, I received a PSLF Qualifying Payment Update letter summarizing my qualifying payments towards PSLF. 

On XX/XX/XXXX, I emailed XXXX and asked for a status update on my TEPSLF application. I received a generic email response from Fedloan, on XX/XX/XXXX, stating, " Once you have submitted your request for consideration for the TEPSLF opportunity, please allow 60120 days to receive a response regarding your eligibility ''. 

On XX/XX/XXXX, I sent an email response informing Fedloan it has been 154 days since I submitted my TEPSLF application. And asked if there is any additional information they could provide- if someone was currently reviewing my application and if they are waiting on additional information. On XX/XX/XXXX, Fedloan responded my account is currently under review with the Department of Education and may take up to 120 days to receive a response. 

It has now been over 200 days, as of XX/XX/XXXX, since I submitted my application and I have not received any information from Fedloan regarding my TEPSLF application. Because of the many customer service troubles I have encountered throughout my history with Fedloan, I am concerned my TEPSLF application is in a perpetual status of " currently under review ''. 

I would greatly appreciate any assistance you could provide to me regarding my TEPSLF application. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in XXXX, when I stopped paying it. The loan was never refinanced.

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 2020-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Wednesday XX/XX/2020, I attempted to log onto my Bank of America App to check my balance. There was an error message saying that I was not eligible for online banking and gave me a number to call. ( XXXX ). I called and was told that my bank account was in the closure process and that I would not be able to access my funds. I stated that there was no notice sent to me and was told that per the deposit agreement, they were not required to give me notice but that a letter had been sent that same day. I was told the they would send me a cashier 's check with any money that I had in the bank but that may take a month to process. I was told that if they submitted an exception request I may be able to pick up the money at a local branch but it would take at least 5 days to process and there was no guarantee. Because I was not sure if this was legitimate, I refused to provide information and stated that I would go to a branch to speak with someone. This morning, Thursday XXXX, 2020, I went into a local branch. on XXXX XXXX XXXX XXXX, NC. I first spoke with a teller who told me that the number that I called was not the correct department. She provided another number XXXX. I stepped outside of the bank and called and was basically told the same thing. I explained that all of my accounts were tied to the BOA account and that I had bills that would become past due because I was not able to access my money. I also have expenses that I handle for my mother such as medications and insurance. He stated there was nothing he could do. I went back into the bank and spoke with one of the Bankers. She printed my transactions and neither of us saw anything out of the ordinary. So, she called for me. She explained the situation, they would not give an explanation but stated that they would lift the restriction so that I could withdraw the money that I currently had in the account. I was also told that I would not be able to bank with BOA again. My account has remained in good standing since it was opened. I have been with BOA for several years. My concern is that there is something erroneous or some type of fraud on my records that would hinder me from opening another account. I now have to remove this bank account from all of my accounts so that I do not receive fees for returned payments. I also have to try to open another account so that my payroll check can be direct deposited or cashed on the XXXX of the month. I understand that BOA is allowed to make business decisions as they see fit but, doing so without notice and without explanation causes undue stress/emotional distress and could potentially ruin a person financially. I have not received a letter and was told that if I did, It may not contain a reason for closure.

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 2023-04-17
Company: EQUIFAX, INC.
State: NJ
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 would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I called the customer service number for Wells Fargo bank to close a business checking account and business savings account which I was not using. I asked the representative to close the account and transfer the monies from the accounts to my personal checking and savings accounts respectively. This was on Saturday, and it was not until Monday that I realized that the person did not in fact close my business checking account ( she did close the business savings account ), but actually closed my personal checking account. As of that Monday, the transaction was pending, but there was not a person whom I spoke to that could change the error. My personal checking account subsequently closed, I made numerous complaints to the bank, and no one ever got back to me. 

Since then, I have opened a new checking account. I deposited my paycheck on XX/XX/2022. Usually when I deposited checks, money had been made available right away, but this time I was informed that there was suspicious activity detected and a hold has been placed on the check. On XX/XX/2022, the check had cleared and the funds were available, but on XX/XX/2022, the funds were deducted again, with the reason being, suspected fraudulent activity from the issuing Account. The issuing account is XXXX XXXX, the same bank that I have deposited checks in from Wells Fargo for the past year. 

In this challenging time increasing prices, Wells Fargo has hurt my family. Wells Fargo banks terrible customer service, and ineffectual management of clear errors on their part is both pathetic and cruel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
In response to claim # XXXX Transunion has continued to violate my rights. They claim to have investigated the incorrect account for XXXX XXXX XXXX that is reporting to my consumer report and causing harm to my life. This account is reporting a different close date with XXXX, Transunion, and XXXX. I demanded that this account be deleted from my consumer report due to non-compliance with METRO2 standards for accuracy. Transunion claims to have updated this account. I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. TRANSUNION DID NOT DO A PROPER INVESTIGATION AND CONTINUES TO PARK THIS INACCURATE ACCOUNT ON MY CONSUMER REPORT.

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 2020-11-24
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
There are several accounts reporting on my Credit Report that does not belong to me. Please assist me in getting these accounts removed from my credit file : XX/XX/XXXX - Bal : {$470.00} XX/XX/XXXX XXXX  - Bal : {$4200.00} XX/XX/XXXX XXXX - Bal : {$0.00} Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX There are also incorrect late status reporting on my credit report. I was never late on the following accounts :XX/XX/XXXX - Bal ; {$470.00} XXXX XXXX - {$0.00}XX/XX/XXXX - {$3200.00}

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 explanation
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have send dispute letter to Equifax on the account that are reporting incorrect information after 30 days no response so the account i would like to be removed and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was manipulated out of {$100.00} through a fake XXXX email and believing that I was working with XXXX, not a scammer. 

Date : XX/XX/2022 I received a scam email from an individual posing as XXXX customer service via email. The individual pretended to send me money for a purchase and {$100.00} extra to upgrade my account to a XXXX business account for purchases. 

Scammer proceeded to send an email impersonating XXXX with branded logos used as his profile emblem and in the email address itself. The email directed me to send {$100.00} through XXXX Chase in order for my payment to be released. I was told to send money to account : XXXX XXXX XXXX Transaction XXXX The email utilized XXXX XXXX logo and XXXX in its email name and was very convincing in appearing to be a legitimate customer service email from XXXX XXXX 

After the scammer was sent {$100.00} directly out of my checking account, he proceeded to harass and call me for hours demanding I send him another {$500.00} in order for XXXX to release his supposed funds. 

After realizing that the entire transaction was a scam, I quickly called Chase to open up claim # XXXX to stop payment on the pending transaction. 
I saw that the transaction was pending to an account also from Chase. Chase failed to stop the pending payment allowed the criminal to keep my money. 

Date : XX/XX/2022 Was denied the {$100.00} credit because Chase claimed I allowed for the payment to happen. However it was the fake email from XXXX that Chase did nothing to close down the scammer 's bank account or return my money. 

I was manipulated out of {$100.00} through the fake XXXX email and believed that I was working with XXXX.

Company response to consumer: Closed with explanation