BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has caused me harm by defaming my character, and other financial damages. Adverse action was committed against me in the form of my application for a {$300000.00} mortgage with XXXX XXXX  that I was denied for even though I can not be denied an extension of my own credit. The application I filed out was deposited with the Treasury and I received no consideration. However, Equifax received consideration when they sold my credit information to XXXX. This constitutes unauthorized use of my social security card which is by definition a credit card. I have attached a copy of my recent consumer report with Equifax and demand this matter to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom it may concern, Re : XXXX ( DBA of Paypal ) I am not a XXXX   customer, but my credit card information was stolen by a XXXX  account holder. 

I contacted my bank ( XXXX ) regarding fraudulent charges and their internal investigation is currently underway on my Visa card ending in XXXX I then contacted XXXX and this is essentially what they communicated to me : Go away, we won't help you. ( pretty much just like that ).

No, you can't speak to a manager. 
We can't or won't act on the transaction information ( of which I have dates, transaction numbers, amounts, etc. ) to make any inquiries. 

Essentially, we don't care, and we're not going to do anything about it. 

Before you ask, yes, as I said, the investigation is underway with my bank, BUT due to the aggregation of transactions through a single entity ( XXXX ) we can't see in what state the transactions occurred, what persons or businesses were paid, and other information critical to understanding how/where/when this security breach occurred in order to stop future fraudulent transactions, or change the way in which I use my card. For example ; If XXXX requires the 3 digit security code from the back of the card, and/or other verification processes, they would not share that with me, in fact, they basically told me to drop it. 

I'm not dropping it. XXXX needs a serious rethink on their consumer fraud policy. 


I appreciate your time and attention. 
Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.

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 2022-08-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Showing a bankrupcy # XXXX, XXXX, XXXX and XXXX I have no record of these item and the federal court has no record of these for me. When asked how did the Bureaus verify these items they have not been able too. 

Per FCRA, they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified without using E-OSCAR or third party per Thomas v. Trans Union, LLC ( 1:18-cv-06460 ). 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA They have failed to provide information as to how this hurtful information is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Mr. Cooper Group 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:
TOPIC : Mr. Cooper Between XX/XX/XXXX - XX/XX/XXXX violated the Fair Credit Reporting Act ( FCRA ) 1 ) Failing to report complete and accurate loan information on a monthly basis. Mr. Cooper did not accurately report credit to all XXXX credit report agencies accurately and/or at all from XX/XX/XXXX to XX/XX/XXXX. I spoke with a representative of Mr. Cooper, XXXX # XXXX, XXXX XXXX, who stated Mr. Cooper reports on or around the XXXX of each month to all credit reporting agencies, and according to all XXXX of my credit reports from all XXXX agencies that have not been done as stated above in the topic. 

XXXX ) Failing to modify and/or delete information when required. This information was reported to Mr. Cooper as instructed ; however, the request was ignored and the incorrect information remained on the existing credit report in addition to not reporting to all XXXX credit reporting agencies timely each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
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: Reporting company used your report improperly

Complaint:
The credit reporting agency furnished inquiries and accounts on my report without permission. I, as the consumer, also asked them to remove all of these inquires and accounts not initiated by me ( The Consumer. ) This company is violating the law and my rights as a consumer. I'm exercising my rights to have these accounts be removed per 15usc 1681b section C 1 ( a ) : '' I do not grant XXXX, Equifax, or XXXX  the right to furnish this on my report.

My instructions are for you to Remove all inquiries from my report.

Per 15 usc 1681b section C ( 3 ) : A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Remove all student loan accounts from my report. Per 15 usc 1681b section ( e ) ( 1 ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
They refuse to dispute each inquiry on my credit report that I say that I did not do nor was any of them Authorized by me.they try to get me to do it and Its not my Job its their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This is about Citibank 's " New account opening '' process online, which poses a serious hazard to its banking customers in the unfortunate event, there is a bank run or financial crisis, as the consumer will not have any Citibank account details to file a claim with FDIC. 
The complaint is about Citibank NOT sharing the Account number immediately at the time of account opening, despite all verifications having been completed, T & C signed and account funded. Citibank proceeded to withdraw funds from customers funding account, but will not provide any details on the Citibank account to which it is posted. 

On XX/XX/2020, I opened a Citibank Checking and Savings account ( referred to as " Citibank Account Package '' ) on XX/XX/2020 using the internet via the following link posted on Citibank 's website " https : //online.citi.com/US/ag/open-cs-acct/index? formCode=deposit-ao & GS=IL & product_list=regular_checking, citi_savings & package=citibank_account & ProspectID=DA908B4B663E4463925A7CF970304571 & Promo_ID=4GZ7YTFGUDCVAT ''. 
The website took me through all the FIVE account opening steps, collecting personal information, ID verification, Employment and Income, Agreement & Disclosure. At the final step, after funds transfer was initiated, the website failed to provide me with my new Citibank ACCOUNT NUMBER. The bank proceeded to withdraw funds from my funding account the following day ( XX/XX/2020 ), but still did not provide any details on my new Citibank account. There was no electronic communication either with account number. I reached out to Customer Service on XX/XX/2020 and the Supervisor was not able to provide new CITIBANK account details. She stated I should wait for my debit card which is sent by regular US mail. After which I would need to register online to get my account number. 
This is a serious risk to its consumers if there were a need to retrieve funds for any emergency or in case of banking crisis.

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 2023-11-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested a refund of loan payments made during the XXXX loan forbearance period ( between XX/XX/XXXX, until XXXX XXXX, XXXX ), payments which did not go towards my XXXX XXXX Forgiveness status. This amount was for around {$20000.00}. The request was made in XX/XX/XXXX over the phone with a live representative. It is now XX/XX/XXXX and have not seen any proof of refund to my bank accounts, nor did I receive any proof that the refund went through. I also had to move my loan to XXXX for their student loan forgiveness program, only to still have {$900.00} still remaining on my NELNET account, which is still gaining interest. There should be nothing in NELNET at this time. 

I have emailed Nelnet multiple times with no response. I have also called Nelnet multiple times throughout the week only to be on hold for XXXX to XXXX hours or more before the system hung me up or the office was closed before I talked to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXXXXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT XXXX XXXXXXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD XXXX XXXXXXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL 3 MAJOR REPORTING AGENCIES, XXXX, XXXX and Equifax!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was removed as an authorized user from my wife XXXX XXXX XXXX account. It is still reporting me as a user on my credit report. I have already filed a complaint to have this issue resolved and nothing has happened. Complaint number 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 explanation
Consumer complaint received 2019-02-06
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX, we began working with XXXX ( Case-ID XXXX ) to avoid foreclosure and obtain a loan modification on our home loan. We're an elderly couple in our 60 's and 70 's with health problems. The loan was assumed by XXXX XXXX  XXXX around XX/XX/XXXX. I learned today, the property has been wrongfully foreclosed on around XXXX and the lender or the courts failed to notify us and failed to show at a mediation hearing set in XXXX XXXX XXXX County Court on XX/XX/XXXX they canceled it. To date, nothing has been informed to us and we need a translator. However, we learned today, the property was foreclosed on and we have no understanding why? The lender had asked we get more income given our SSI wasn't enough. We have taken in two renters only to learn they've illegally foreclosed on the property for owing less than $ 80K in past payments. I seek emergency help in this matter. The property is more valuable and we could have opted to sell versus an illegal foreclosure. I beg for assistance as soon as possible. One of the renters was a furloughed employee so we have delays in getting our rent in the past months as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I deposited my initial payroll check from my current employer on Friday, XX/XX/XXXX at a Bank of America ATM. At the time, I didn't think any problem would occur with the check because the ATM was located in the lobby of the check issuer, XXXX XXXX XXXX XXXX XXXX. However, after the deposit, I noticed that a lengthy hold had been placed on the check ( eg, XX/XX/XXXX before XXXX ). That's seven business  days and two weekends, whereas my funds are not available. Once I realized that such lengthy hold had been placed on my deposit, I contacted Customer Service ( Friday, XX/XX/XXXX at approximately XXXX ). After speaking with the initial representative, and being told that there was nothing that I could do, I asked to speak with a Manager or Supervisor. The Manager/Supervisor confirmed that was nothing I could do. He stated that I couldn't get the check back, nor was there any option available to make the funds available prior to the stated hold period. As of today, Tuesday XX/XX/XXXX, the funds are not available. 


Though I understand the Bank 's concern with fraudulent checks being deposited, seven ( 7 ) business days is a long period to withhold access to deposited funds. Additionally, had the Bank provided a notice at the ATM, prior to accepting the check that such a hold period was being placed, I could have requested a return of the check at that time. There are numerous other ways that I could have gained access to the deposited funds, prior to XX/XX/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 explanation
Consumer complaint received 2020-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio recovery has called my place of employment multiple times, in XX/XX/XXXXI kindly asked them to please stop calling my work because I am not allowed to take personal phone calls on work time. Of course, Portfolio has continued to call despite that request! My boss XXXX near fired me because they keep calling, it took me hours to explain that I did not ask them to call! I've never felt the need to complain until now, but this is ridiculous! Stop with the absurdities and enforce my rights!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
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: Was not notified of investigation status or results

Complaint:
There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation