BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: STERLING JEWELERS, INC.
State: VA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Personal information incorrect

Complaint:
Experian completely ignored my previous CFPB complaint # XXXX. They did not even open up an investigation to verify this address for this complaint which is a violation of section 2 of the FCRA. They claim that they received confirmation of this address but failed to tell me which creditor or where they received their information from which is also a violation of the FCRA. My current correct Address Street Number , Street Name, City, State is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. You would need to pull certified public records proving that I have any relation to this address, otherwise I demand they be deleted. Both XXXX, XXXX, XXXX and XXXX have properly updated this information, but Experian continues to refuse to comply with this demand. DELETE ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX. How did you verify this address? Did you obtain public record data to prove that I lived here? I demand that you send me documented proof of this address. Just because a creditor has a record of this address, does not make it valid. DELETE THIS ADDRESS FROM MY RECORD IMMEDIATELY. You HAVE NOT provided me with a copy of ANY original documentation of this address. Let me remind you that by continually reporting this address you are committing Negligent Enablement of Identity Fraud.

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 2021-12-28
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a payment from detr and the day of XX/XX/2020 the card was blocked by bank ( bank of america ). I was unable to do any transaction however they charged me for transactions that were denied. i never received the money or the services have sent in proof and all and they keep denying my claim. Im not happy with this company and I just want my money back. they processed the claim on a complete different card and kept doing it for months. my whole case was frauded out even by my sponsor and the card was blockedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: PA
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX - XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Truist bank account online in XX/XX/2023. I deposited the required {$50.00}. The next day, the account was locked. I can't access it or my money. I called and was told the account was closed. I got a letter saying it was closed and funds would be mailed in 10 days. After about 45 days I called and was told I must go to a branch with my ID. They said they will not be mailing a check until I do so. I specifically opened an online account so I would not have to go anywhere. I just want my money returned. They took it, never allowed me to access it, and won't give it back. I just want them to do what the letter said they were going to do. 

I'm also getting emails that I have a statement. I can't access it. This letter said the account was closed. Why would it have statements? I'm worried they're charging fees too. 

If they send a letter saying the account was closed, it should be closed! And funds returned!

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 2023-09-19
Company: Chime Financial Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/23 I was in the lobby of my apartment building checking the mail and set my phone on my countertop. I went to the elevator and made it to the XXXX floor before I realized I had left my phone downstairs. When I came back for it, the phone was still unlocked and my credit card and cash were missing from my wallet case. I immediately called to cancel the card. I got an email later that my chime had been logged into but the email said XXXX which I have so I didnt think it was suspicious. I later saw a transaction for XXXX XXXX, XXXX, and then XXXX cash transfers that were all fraudulent. Chime did not alert me to these transfers nor did I get a confirmation text. I opened a complaint today for all of them. I asked chime for the name of the person whose chime account the cash transfers went to, as I want to file a police report against them. I have also gone to the leasing office to see if there is camera footage as per the Police departments request. Chime has not reversed the cash transfers nor have they given me the name of the individual who took my money. The case number they assigned me was XXXX. There is no live phone rep to talk to, only email and chat. The phone rep directs you back to those to options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: John C. Heath, Attorney at Law, PLLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I began the journey to repair my credit in XXXX of XXXX. As a single parent my funds were limited and going through Lexington Law to have my credit repaired made total sense. I pulled my Credit Report Initially and along with a rep from the company. We had a consultation over the phone of what needed to be removed and the cost. I was told that initially it would cost XXXX a month. That would cover the fees and a removal, and that i should have a card on autopay to be charged because items would be removed. Not only was i charged XXXX monthly, i was charged that amount about 2 times a month and also an amount of XXXX a month as a subscription amount that i had no idea about. To add insult to injury nothing at all was removed from my credit whatsoever. I have been paying this company since XX/XX/XXXX and have not received not 1 result. I have reached out to the company and have been told that the subscription cant stop. They are continuing to charge my card XXXX XXXX times a month and the XXXX ( sometimes twice a month ). 
I do have supporting Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian XXXX XXXX XXXX me to paid a membership in order to see me credit report or block my credit report after I get an email from them notifying my credit report is unfreeze and I can not unfreeze because I cancel my membership. Also I get many unwanted and advertising emails to affiliate a third party. Force to agree with consumer info. XXXX to released my credit information to have access to my credit. This actions manipulate and uses another third parties are XXXX. Please STOP force me to have a membership in order to access to my credit 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 2019-10-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your company sent me a letter stating that the information on my credit report is accurate. When the Fair Credit Reporting Act ( FCRA ) states that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Department stores XXXX XXXX  has failed to investigate this billing error in the amount of {$940.00} which inaccurate information has been furnish to my consumer report. Your company has furnished my nonpublic personal information to the credit reporting agencies which is experiences and transactions between me and your financial institution. I never gave you consent to furnish any information about me to a third party company, Also I never gave the CRAs consent as well to furnish any info. Which is identity theft. your company is committing racketeering activity, Which XXXX and the Credit reporting agencies are knowingly using extortion to collect on a unlawful debt. ( 18 U.S code 894 ).

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 2021-12-27
Company: CUSTOMERS BANCORP, INC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, I originated my PPP1 loan through XXXX, inc, funded by Customers Bank. I've been waiting all year to apply for forgiveness and was finally able to on XX/XX/XXXX of this year, many months after other lenders began accepting forgiveness applications After months of calling XXXX and not getting a human on the phone nor a response to my numerous emails, I finally get an email from them last week demanding crazy documentation like a signed bank letter saying I own accounts, personal utility bills, color voided copies of checks, marriage license etc. etc. I googled and it and discovered that I'm not alone. It appears XXXX is scamming people using the same tactics. They require the borrow to sign a docusign saying they are applying for {$0.00} forgiveness before even sending the XXXX which is not required by XXXX. I did verify with XXXX that my loan does not require the documents they are asking for because it was small ; however, beyond that, the XXXX isn't offering help. Customers Bank is the lender of record, but they're hiding behind XXXX XXXX Personally, I believe Customers Bank is ultimately responsible for their vendors and subject to CFBP intervention. I hope the CFPB investigates and intervenes into this obvious scam between the two companies screwing people out of thousands of dollars. Interest is mounting on these PPP loans while XXXX and their lenders are arbitrarily delaying and denying loans forgiveness without even sending them to the XXXX for decisioning.

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 2023-09-04
Company: Skopos Financial, LLC
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have filed with XXXX XXXX for consolidation, notified XXXX XXXX about it. They keep threatening me and harassing me calling me up to 10 times a day saying if I dont make a payment they will file litigation. I have advised them to contact my debt consolidation company and they refuse saying they dont work with them as they are a private company. They just continue to Harrass me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with PennyMAC ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ). For 2 of the past 3 months PennyMac did not provide me with my monthly paper mortgage statement, forcing me to retrieve it from their website. 

Specifically, PennyMAC did not provide a mortgage statement for either XX/XX/2021 ( Due XXXX ) or XX/XX/2021 ( Due XXXX XXXX ). 

I called PennyMAC regarding the missing XXXX statement, they blamed the US Post Office for " late service, '' yet my statements weren't simply late- they never arrived. I attempted to call them regarding the missing XXXX statement but gave up after sitting on hold for 20 minutes. 

I'm receiving all my other mail ( including a mortgage statement from another servicer ) on time, including a heavy volume of mortgage-refinance advertising mailings from PennyMAC itself ( I received 2 ads from PennyMAC just this month, but no statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-09-04
Company: MOHELA
State: IN
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:
In XX/XX/2023, I sent a complaint to CFPB about Mohela ( see attached ). Mohela replied in XX/XX/2023, with an explanation, which I was grateful for since this was the first communication clarifying how I may resolve the issue. In XX/XX/2023, forms were submitted that addressed the previous issue.

The current issue is that these forms were supposed to be included as part of my payment counts within 90 busy days. It is now 90 busy days since the forms were uploaded on XX/XX/2023. 

This is an issue because as of XX/XX/2023, I have met the required 120 months of public service. However, I can not put my account into forbearance through electronic certification because Mohela has not properly updated my payment count.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation