BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I worked in the US over the summer and had a bank account with Chase Bank. On leaving the US I attended Chase on the XXXX XX/XX/2022 to arrange a wire transfer for the money to go into my XXXX account. The wire tracking number is XXXX. This transaction failed to take place and my XXXX bank had confirmed that they had not received the payment nor had the payment been sent back. I have been phoning Chase every other day for the past 4 weeks only to be told different things and not being helpful and able to tell me anything to resolve the matter. This has been no fault of mine and they continue to withhold my money for no reason. The last several calls I was told that I needed to speak to the wire transfer team, and they would contact me but this was 10 days ago and have not received a phone call or email, they have both of these on their record. I am at a loss as to how to get my money safely and swiftly into my bank account as it is money that I need to fund my final year at University which I have now started needing money for courses ect as you can appreciate my final year is vital to my future life. The bank identifier was XXXX and the transaction Number is XXXX. This transaction was initiated by XXXX XXXX and the initiating branch ref is XXXX. I hope this information is helpful to you and you can help me, thank you for your time. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: IL
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've tried over 5 times to get these people to take these accounts that aren't mine off my reports. My purse was stolen and all my information was taken and used by ppl. I haven't been the same since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: AES/PHEAA
State: NC
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 a loan payment of {$800.00} to FedLoan servicing on XX/XX/2022. This payment has been " processing '' since then and my loan servicer is now another provider ( XXXX XXXX I have tried calling and emailing FedLoan and can not get ahold of an agent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX Account # listed below, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to provacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have the following accounts reporting inaccuracies : 1. 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 XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. 

Hard Inquires 1. XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX Inquired XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CO
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 for Experian accounts is # XXXX, which has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called XXXX  XXXXXXXX XXXX XXXX unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by XXXX is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
During the Pause of all student loan repayments, this company stated that My student loans were too old to fall under the stop. When I tried to dispute this they told me there was nothing they could due, because of the way the law was written. I did some research and found out that they lied to me. There was no date put on what student loans were supposed to be paused. They have been charging me interest and late fees for the entire time the Pandemic Loan pause has been in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
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: 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 2022-08-24
Company: EQUIFAX, INC.
State: IL
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've tried over 5 times to get these people to take these accounts that aren't mine off my reports. My purse was stolen and all my information was taken and used by ppl. I haven't been the same since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The car loan from Wells Fargo. We were never disclosed the interest rate, we were constantly told its only XXXX $ and not told it was 8 % a very high percentage for co-signed loan with credit score above XXXX even though asked multiple times. They kept telling us that it would be nothing big and will be similar to people with similar credit but 8 % is definitely not right. 

I called them and asked if they will reconsider lowering the percentage as we were fooled and would never would have signed such a high percentage if we knew about it. Most companies have 0 % apr on new car but we didnt get it.

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 2022-08-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
A request for XXXX XXXX was voluntarily dismissed, and I received a full refund of all retainer/filing fees.

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 2022-09-30
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Navient on XX/XX/2022 XXXX XXXX asking about the public service loan forgiveness. I was told I do not have the correct type of loan and it could not be changed. I then proceeded to ask about the Biden forgiveness and was told to wait and not consolidate because my payment and interest could go higher ( currently at 6.5 % ). Again incorrect information. My husband has the same loans and we chose to wait. I confirmed I should follow up in a month. I called today and was told the deadline had passed. I only found out from a friend today that I could consolidate into a " direct loan '' in order to qualify for the public service loan forgiveness ( in 2 years ). We have now lost out on the opportunity to forgiveness $ XXXX from my husband 's loan ( pell grant + loan ) and my student loan. I believe this was just providing false information in order to keep our loans and continue to pay 6.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NY
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 Department of Education Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Bank Account # XXXX, XXXX XXXXXXXX XXXX  Card Account # XXXX and # XXXX, XXXX Bank Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Report # XXXX for XX/XX/18. Experian is fully aware that in the past, information in my file has been mixed with someone else who has a similar name. Experian should have measures in place to prevent this from happening, however it continues to happen because currently there are six ( 6 ) errors in my file. These errors include two ( 2 ) incorrect names, three ( 3 ) incorrect addresses and one ( 1 ) incorrect notice. I only have one name : XXXX XXXX XXXX. That is the only name that should appear in my credit file. There should be no other name variations whatsoever. Personal Information in my credit file is incorrect, mixed with someone else and does not belong to me. Please delete the following NAMES from my file : XXXX XXXX XXXX ; NAME IDENTIFICATION NUMBER : XXXX ; XXXX XXXX ; NAME IDENTIFICATION NUMBER XXXX. I only have one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is the only address that should appear in my credit file. Please delete the following three ( 3 ) ADDRESSES from my file as they are mixed, incorrect and do not belong to me : XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX. Please delete the following NOTICES from my file as this is not my business and I have never done business or obtained legal service of any kind : The address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have provided a copy of the credit report with errors highlighted. Attachments : driver license, social security card, copy of credit report with errors highlighted, copy of XXXX reinvestigation results showing address deleted due it being " mixed '', copy of XXXX reinvestigation results showing address deleted.

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 2018-11-30
Company: SYNCHRONY FINANCIAL
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:
Hi. I have applied for Care Credit which is a credit card meant to help consumers pay for medical bills. I got approved for Care Credit on XX/XX/2018. Care Credit is by SYNCHRONY. I am using XXXX XXXX  to monitor my credit score and when I applied for Care Credit, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by CARE CREDIT. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that XXXX XXXX reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called SYNCB ) and XX/XX/XXXX ( by SYNCHRONY ). I have checked XXXX XXXX FAQs and found out that SYNCB does not even exist and it is an issue consumers encounter when applying for/getting approved for CARE CREDIT.

I am seeking help to REMOVE SYNCB 's hard inquiry. It shows as " SYNCB ''  and it says it's " NATIONAL CREDIT CARDS/XXXX ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for CARE CREDIT by SYNCHRONY. 

Please advise. 

Thank you.

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 2022-08-03
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: AVANTE
State: SC
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:
15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have notified Navient at least 4-5 times that I am unemployed because of an economic hardship along with the reasons. I submitted this to you and after their response of refusing to actually understand plain English that I am unemployed, even after sending them 3 forms, and a complaint through your service, nothing was understood by them between their ears. And you closed my complaint even though it was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
Paid this off in XXXX of 2021 after the representative confirmed it would be deleted from my account. Months later it was still there. Ive disputed the account multiple times and contacted the collection agency. I begged them to listen to the recording of the original call, they laughed at me and hung up in my face. Please help

Company response to consumer: Closed with explanation