BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I wish to learn the number of Public Service Loan Forgiveness qualifying payments you've made since starting repayment. 
I have asked for them to look into how many qualifying payments I have made and to appeal the payments that I made during my residency and still do not have an answer. this is from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: TX
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A discharge of indebtedness because of a decisi or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy.

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 2022-10-05
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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: Problem with personal statement of dispute

Complaint:
The last active date is reporting inaccurate on all 3 credit bureaus, account is reporting false information, date of last payment is reporting inaccurate, the credit limit is reporting inaccurate, also reporting a balance on a closed account this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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  XXXX XXXX XXXX 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 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 2021-08-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I decided to zero out the Comenity Bank credit card in XX/XX/2021 due to 1 ) not being able to use the credit card at all, 2 ) due to the outrageous amount of money I had paid for 2 fishing poles from XXXX XXXX, which was my only purchase. In XX/XX/2021, the balance was {$37.00} and there had been no additional charges. Prior to the due date or either on the due date, I was given the run around when I tried to pay off the {$37.00}, I was told I had to pay {$35.00} in store and pay the additional {$2.00} over the phone or online. So on the same day I made two payments equaling the exact amount of what was due. During the said day, I spoke with two maybe three customer service representatives and I advised that I was not happy, and that I wanted nothing more to do with Comenity Bank since my credit limit had been cut in half due to me not using the card, and secondly because I could never use the card to make any purchases only the first for the two fishing poles. After the last and final payment in XX/XX/2021, I was advised that the balance was {$0.00} and that I would be in jeopardy of Comenity Bank closing the credit card if I did not use the account/credit line. Again, I could not use the card and I was not interested in doing further business with Comenity. Fast forward to XX/XX/2021, Comenity Bank has somehow charged my {$2.00} in the month of XX/XX/2021. I was not aware of the {$2.00} charge and since then Comenity Bank has assessed two late fees in the amount of {$14.00} and it has affected my credit negatively. When I contacted Comenity Bank to inquire and resolve the issue I was told that the {$2.00} charge was assessed in XXXX and it was interest. However, this is fraudulent because I made no purchases and the entire bill was paid on/before the due date in XX/XX/2021. So there should have been no additional charges or fees. According to the 2/3 representatives I spoke with in XX/XX/2021, on the date I made the final payment, I was advised the balance would be {$0.00} and I would be in jeopardy of the account closing. So now, Comenity being the underhanded and unethical company it is has charged my account {$2.00}, fraudulently. Just to continue collecting money and harming my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Simple bank which is owned by BBVA is closing and I have attempted to transfer my funds to another bank account. I was successfully able to transfer some funds but I have not been able to transfer my remaining balance. BBVA will not accept customer service calls, and I am given the XXXX number for Simple which says my wait time is 2hrs. All of my support messages on the website are left unanswered. I need and want access to my funds immediately. The web interface even says I am eligible to transfer funds but it errors out on every attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Mr. Cooper Group Inc.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
beginning when i first contacted Mr cooper via XXXX i have been manipulated the entire time 1.I was told that i needed to be in default to get a modification : this was misleading cause i contacted this business in good faith because of my pending financial pitfall ( after being current and never missing a payment or having a late payment ) for more than a year and i needed help and the rep lied cause the modification reason was to prevent unnecessary interest on my because of the setback 2.Mr cooper Doesn't process loss mitigation applications promptly : when information is given to this business in a timely fashion they hold on to it and then penalize the consumer by saying it wasnt timely filed 3. Mr cooper requires the same information already given to be given again : they claim that documents arent legible when they are or they need more information on the same data that was already supplied previously which causes a delay in the process cause you generally from MR COOPER you get a email DAYS before the deadline and its submitted only to be rejected cause THEY DIDNT GET TO IT even though documents are electronically timed stamped to show it was on time EVERYTIME!!

4. Mr cooper is NOTORIOUS for blatantly using incorrect income information in processing the net present value of a consumers income causing the modification to be rejected again even though Ive explained and emailed many people about this instance only to be ignored and pushed to foreclosure or short sale 5. Mr cooper either lies or is to big to function when it come to communications for a debt : i have three documents suppled by this business two letters indicating that they received my transmission and they had till XX/XX/XXXX and XX/XX/2021 to get back in contact with me. This is a classic automated tactic of this company cause if due diligence was performed they would have known i was communicating directly with the customers relations and modifications department in which i told them many times i was displeased etc yet they send a third party to my home to put a notice under my door because they couldn't get in contact with me me which is a lie. It might not have been in the manner they wished but they have been contacted by me every time they called via email which is why i guess i got they letters they would investigate and get back to me.

they have ZERO intention on helping they want to stick it too me cause they perceive me to be a deadbeat and tired of me complaining cause i was wronged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-05-06
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Discover credit card to make a deposit for two custom breast collars ( horse tack ) for XXXX gifts. The gal that the breast collars were purchased from never sent them and stopped communication. I filed a dispute on the charges, as I never received them. I contacted Discover several times throughout the course as I never got any updates. I called in during the month of XXXX and a representative stated it looked like the case would be in my favor as the merchant had not replied. They just had to finish the paperwork. Month later still had not gotten any finalized paperwork. Finally, on XX/XX/XXXX, I received a email that they ruled in favor of the merchant. This is wrong as I never received my purchased items and there is proof of that! Also, by federal law, discover has 90 days to finalize a dispute. The dispute was filed on XX/XX/XXXX and did not resolve until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a Venmo account. I have a credit balance of {$10.00} in this Venmo account. I do not have a smart phone and use a flip phone device. Because of this, I do not have access to the Venmo application. I opened my Venmo account online through a computer. At no point during the establishing of my Venmo account over the computer was I advised that I would be able to transfer money out of my Venmo account ONLY by utilizing a smart phone. When I contacted Venmo customer service as I was having difficulty transferring the {$10.00} into my checking account via my stored debit card, I was provided instructions that did not work. I responded to let Venmo 's customer service know the instructions did not work and that I do not have access to their mobile app as I do not have a smart phone. I was advised that there was no other way to receive my {$10.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I Received a Correspondence From XXXX XXXX XXXX XXXX. That I Cant Limit Sharing of my Non public Information which is Private. They Have Furnished Inaccurate and unreliable information. I am Opting Out of Sharing of all my Information Under the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my credit report, I have not received an opt-out notice as required by law. I request that you investigate and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, TransUnion, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. 

I am committed to safeguarding my financial privacy, and I trust that [ XXXX, Transunion XXXX XXXX ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Exhibit A Attached

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 2018-12-23
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Several months ago, I was a victim of identity theft. Someone opened, and attempted to open, a number of accounts in my name, and made charges on some of them. Despite the inconvenience, I was quickly able to clear this up with the several financial institutions involved. All were sympathetic, extremely helpful, and professional in reviewing their own records to verify the facts. All except one... 

Apparently, someone either opened an account or made some sort of charge in my name with XXXX XXXX. The amount was {$6.00}. I never got a bill from the retailer. I do not have an account with them. I have no paperwork whatsoever regarding this charge. I don't know what is was for, when it happened, etc. But I started getting calls and correspondence from XXXX XXXX XXXX. One of the things they sent me said I could go on their web site and report that this was an incident of identity theft. I did so. But I still continue to get phone calls, sometimes several a week, from them. Sometimes, they hang up the phone as soon as I answer it. On other occasions, I have spoken with their representatives and explained the situation. Just today, I got a call. The woman said I had to provide some written documentation " proving '' my case. I asked how one provides documentation about a transaction one had nothing to do with, and has no information about. The time before, I asked the man who called to send me anything in writing they had that supported their claim that I was, in fact, responsible for this charge. He said he would look into it, but never got back to me. 

If they would show me any evidentiary details of the charge, there is a good chance that I could, in fact, demonstrate that it was not me. But I suspect they have nothing, other than some entry in their computers ; so they prefer to try to put the onus on me to prove a negative. 

I am sick of this. If I weren't so stubborn, I would just pay the {$6.00} to stop the harassment. But it has become a matter of principle. 

I would appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX Account number XXXXXXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account number XXXX has violated my rights. 

XXXX ) XXXX XXXXXXXX XXXX Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-07-17
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I applied for a loan over the phone. Their claim was that they were from XXXX XXXX XXXX  XXXX XXXX. I gave them all of my info. Their phone numbers were XXXX and XXXX. They deposited {$500.00} into my account. I was told to go buy a XXXX gift Card for XXXX and send them the numbers from under the scratch off. This first transaction was a test to make sure it worked. The second day they deposited XXXX into my account. Told me to buy 4 XXXX Gift Cards at XXXX each and the remaining would be the first portion of my XXXX loan. They got access to my account and took a lot more than was planned. BB & T froze my accounts and made me pay for what they had taken. It cost me around 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 2023-11-17
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
In response to previously closed complaint case number XXXX Wells Fargo card services has blatantly Falsified information in regards to a closed account being reported To the credit bureaus. 

They claim that their customer service agent never mentioned or advise me to reach out to the credit lenders when I have a recorded audio and my mobile phone records to prove the time dates in lengths of this conversation. 

I will attach the highlighted parts of the Wells Fargo card services response and I have since reached out to Wells Fargo executive office regarding this matter I would like to make it plain that they have violated my consumer rights totally and below is attached the phone records and if you have a email that can receive audio files I will also send you the recorded conversation this should not be happening and I need your help.

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