BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal frequently. My email linked to my PayPal is XXXX I have money on my account that was supposedly subjected to bring held for 180 days ( 6 months ) and Ive recently received a email saying my funds were available to transfer because the 180 days were up and now Im still having trouble transferring my funds. This is making seriously depressed Ive submitted my ID, bank statement, the statement is linked the bank account thats linked to my PayPal. I have done everything I could on my end. Theyre just giving me the same automated script I am not getting no real help and everyone is complaining about this same issue in every forum, website and PayPal community

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on Experian, XXXX on XXXX, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, 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 2023-06-14
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 and update or remove them immediately in my 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 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 2023-06-14
Company: EQUIFAX, INC.
State: UT
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2019-06-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fifth Third is unable to resolve credit card fraud and identity fraud. They put consumers at risk and make them go through hours of hurdles to try and get fraud resolved. It is reckless and irresponsible and shows poor fraud defenses on their end. 

I received a notification from a credit monitoring service ( XXXX ) on XX/XX/2019 that there was a hard inquiry on my TransUnion credit report from Fifth Third Bank and 2 other banks. I did not make any of those inquires for credit so realized I was a victim of identity fraud. I put in a fraud alert for the credit agencies, and then was able to call and close 2 of the fraudulent accounts that were opened under my name. It took around 30 minutes to an hour of hold time, getting transferred, and putting in my info to get those fraudulent accounts closed. This is an XXXX, but I thought 2 banks had a good customer service experience to resolve identify fraud. 

For Fifth Third, however, I have spent over 4 hours on hold and being transferred between departments but have been unable to resolve this issue. Fifth Third repeatedly says in their hold menu that I need to enter my account number of social security number to get faster service. I don't have an account number ( because it is fraud! ) and my social is not registering with them. So that means I sit on hold for 30-45 minutes since I am de-prioritized in the queue. When I finally do get a hold of someone, they say they can't access my application since my info doesn't match ( BUT OF COURSE IT DOESN'T MATCH. IT IS FRAUD. WHY WOULD THE INFO MATCH WITH FRAUD!! ). This is an awful customer experience and they are running the risk of someone receiving a credit card in my name and me being liable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 XXXX 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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2023-06-14
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: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2021-09-21
Company: AES/PHEAA
State: DC
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 disputed all of my payments that are erroneously not being counted towards my PSLF progress a year and a half ago. I call every month and Fed Loan refuses to correct the count, claiming a backlog. Now that my loans will be transferred in XXXX, its certain that Fed Loan has no intention to rectify their error. They're now miscounting all of the CARES Act payment moratorium months as well, and delaying my forgiveness date by two years. Please help to correct my timeline before transfer. I've been paying in full and on time since XX/XX/XXXX, so my last payment to satisfy forgiveness should be XX/XX/XXXX. 

I have continuously worked for the federal government and certified my employment for PSLF and PAYE recalculation annually in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: SC
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:
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 number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or 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 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 2023-02-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Date XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
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 60 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 Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX my husband and I closed on a loan with Rocket Mortgage. 
First problem was the lenders fee was over XXXX more than he had quoted after promising that amount. We have never received any documentation about interest paid on the mortgage loan for XXXX. Never received any information on the appraisal. I don't think I have ever had a home a appraisal where someone walked in with their cellphone waiving ( literally ) around taking photos and left in no more than 10 or 15 minutes. That was done by XXXX. 
About 10 days ago I arrived home from a XXXX XXXX. Which I have been enduring since late XXXX. Up pulls the XXXX with an unkind letter from XXXX XXXX with XXXX, claiming we have been unresponsive to her emails ... ... .SHE HAD THE INCORRECT EMAIL. Also commenting we had been incorporative. We have had the same cellular phones for over 15 years. She needed a copy the warranty deed, they didn't have couldn't find. She is titled as a Post Closure Specialist. We have complied with every request. They wanted an Ariel View of the property we did it, whatever they have needed we went down to the courthouse and found it not the title company. We have now sent them a copy of the warranty deed. THIS IS BEYOND BELIEF. THE LOAN CLOSED LAST XX/XX/2020. I will not be doing business with them in the future. Just received a closing paper in a pretty red and black box last week. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} 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 2020-01-15
Company: EQUIFAX, INC.
State: LA
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:
There has been numerous attempts at getting the issue resolved regarding fraudulent information being on my credit report. Issues were not resolved. Items were removed from credit report and then inadvertently placed back onto the report. With some items being with other bureaus and some not. They removed XXXX XXXX Account XXXX from XXXX  and XXXX  but it still remains on Equifax credit report as closed and reporting late instead of completely removed. There is also another account also with XXXX XXXX XXXX reporting that needs to be removed from XXXX, Equifax, & XXXX. I have reached out to the bureaus and also spoken with account holders to no resolution these accounts are being very detrimental to my credit score and hindering my future business endeavors. I would like this issue to be resolved finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the months of XXXX, XXXX and probably XX/XX/2019 the Mortgage companies blocked my ability to pay online using my bank or thru XXXX XXXX XXXX XXXX my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Crow Creek Sioux Tribe
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a personal loan of {$1200.00} on XX/XX/2022 to help pay with bills and child care. I was unemployed for some time and fell behind on my bills. I am a single mom and I found myself in a tight financial situation. I made my first payment towards my loan on XX/XX/2022 in the amount of {$160.00} and weekly ever since. I was under the impression that the interest on my loan would cap out at 35 % since that is the legal cap out in the state of California. I was not aware that this is a XXXX loan since I did online. I have already made 19 payment totally to {$3000.00}. I called customer service to see if I can resolve this issue. The customer service representative XXXX XXXX said I would have to pay {$1200.00} today on top of the {$3000.00} I have already paid. I find that completely ridiculous. Being a single mom I can not pay {$1200.00} right now. {$160.00} every week is just too much money. I feel like someone should have called me to let me know the full extent of what I was getting myself into. I dont want to take legal action I am hoping that I can just be forgiven for this loan considering I have already paid {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I filled out an application through XXXX XXXX for XXXX XXXX Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX  ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at rate genius and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from rate genius has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXXXXXX 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