BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
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 paid off the remaining balance on four Federal Stafford student loan accounts XX/XX/XXXX ( due the XXXX of every month ) during the covid pandemic. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX because XXXX reported my 4 student loan tradelines as 60 days Past Due Date/Maximum Delinquency of 60 days as of XX/XX/XXXX, however, the negative information in the summary details contradicts the information provided by the XXXX Tradeline Payment History chart where all sections or months are recorded as OK or CURRENT. My loan was under a federal IDR plan, and if I were late, I was eligible for relief under the COVID 19 Rescue Plan. 
XXXX XXXX XXXXXXXX I also possess the loan payment details from the loan servicer 's online site indicating I was 0 days delinquent on all 4 of my student loan accounts. Currently, I am unable to secure credit, a lower interest rate, additional lines of credit, a mortgage, or an auto loan. On XX/XX/XXXX, I was denied a loan from XXXX XXXX with whom I previously had a line of credit that I paid off in XXXX of XXXX. The negative information according to XXXX will not be removed or dropped from my credit file until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Paypal Holdings, Inc
State: IN
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 180 days without any 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 week 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 quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
When I reviewed my profile there are still erroneous items and I'm very upset about the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind. Would you kindly remove these erroneous items for I believe they are reported erroneously in my file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case for the unknown account reported as EOS account number XXXX. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have XXXX bill for XXXX I was contacted by DCI-XXXX  XXXX  and offered a settlement for XXXX and I would make payments of XXXX monthly until it was paid. 
I agreed to the settlement only with the stipulation that it would be removed out of collection on my credit report and the balance be updated. Also show to be in repayment. 
I made a payment on XX/XX/2019 and XX/XX/2019. 
I just got a notice from XXXX  that this is still reporting in collection and nothing has been paid on it and balance is still XXXX. 
I upheld my part of this arrangement. I am making the payments. XXXX and DCI are not upholding their part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage went up in XX/XX/2022 so I called caliber home loans to find out why. They said that it was because my fire tax went up and I told them there is no fire tax in XXXX XXXX at least not in my area I only have property, school, and water taxes. She said well thats what is the fire tax and didnt give me any other help or answers so I did research on my escrow account to find out that my deed was not recorded right because we have 2 lots they did not get combined and one was in our name and the other wasnt so I called back and told them about the parcels not being combined that one was in my name and the other was not and explained to them about the fire tax that we do not have a fire tax in XXXX XXXX XXXX She said they would look into it and it would take 20 days ( she also said they would turn in the paperwork to fix the parcels but didnt do that either ) and I would b contacted once they investigated the tax issue. 60 days went by with no contact so I contacted caliber home loans tax office once again and they said I would have to get a letter stating that the fire tax did not exist I asked who do I get a letter from and they said XXXX XXXX. I contacted all 3 tax offices to see if they could provide me with such letter as to say that the fire tax does not exist in XXXX XXXX and they could not write a letter for a company that is not them or that doesnt exist so I called caliber back to ask them what to do. The guy actually laughed and told me that is the only way to take the fire tax off and they could not just take it off and I proceeded to tell him they were fraudulently charging me for my taxes and asked them where they sent the payments for this he said XXXX XXXX and I said where whats the address and he said they wire the payment I asked for more info on the payment and no answers made sense. I have tried multiple times to call caliber and get this fire tax taken off but I am having no luck at all with this company taking it off or even doing any research to make it right. I mean taxes are public access and can be looked up by anyone. I just need the fire tax that I have been paying for taken off of my escrow account and get refunded for the amount I have been overpaying I also explained to them that the amount I was being charged for the said fire tax was the exact same amount as the water tax and asked them XXXX that was possible that the water and fire would XXXX exactly the same. XXXX never had any answers but keep charging me for this on my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Systems amount is {$1500.00} and I have sent National Credit Systems a debt validation and National Credit Systems has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I put a wrong name for the dispute on XX/XX/2022. I put XXXX XXXX XXXX when it was capital one auto finance. I have 2 hard inquiries from when I was buying a car made in the same day. When you are searching for a car loan I thought you would have 1 hard inquiry especially if it is in the same month and for the exact same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern : I have a home, XXXX XXXX XXXX XXXX, NV XXXX. Rushmore Loan Management Services is servicing the loan. I am an additional person to be considered on the loan. Ive sent Rushmore a completed loan modification application and all supporting documents requested via certified mail twice. Despite me having a receipt from USPS saying otherwise, Rushmore has said the loan modification documents were never delivered or lost twice. 
I would appreciate it if the Consumer Financial Protection Bureau could investigate and help me figure out when we can expect our loan modification. 
Thank you in advance for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Nelnet, Inc.
State: WV
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 have attempted for several months to obtain documentation from my original loan so that I can ascertain what rights and responsibilities I have and repayment/discharge options are available. I have been unable to submit documents to Nelnet through their website although the site states this is possible. I have tried to call and can never get through, lines always state at least XXXX min to wait. I have written without reply. I was unable to download documents for deferment or hardship options and had to go to student loan website to get the documents. I do not know if my loans should have been XXXX as I graduated in XX/XX/2020 and believe my repayment status was income contingent. As of the time I graduated I have not had a job that required me to make payments because of my income and my loans never went into default. I believe that Nelnet is intentionally attempting to put my loans into default and ruin my credit, I was either on a hardship or deferment or Covid or whatever. If Nelnet did not have the resources available to responsibly handle the accounts they " manage '' they should not have taken them. My loans are 23 years and a XXXX payment is a payment nonetheless in respect to loan forgiveness. It is due to no fault of my own that I have been subjected to the poor employment history I have had to live with despite my education. Nelnet appears to only service the repayment side of the loans, not servicing them in a manner that is fair and does not put their clients in a hardship or default situation. If you can't contact your loan servicer what good are they.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The statement dated XX/XX/22 has a settlement amount due of {$300.00} to settle for less, the amount of payments on that statement is {$280.00}, which is incorrect I paid XXXX ( which you can see with the portal paid to date ) with the last payment made XX/XX/22 which should have settled the debt. Now XXXX they are saying the new settlement amount is {$400.00} to settle. This should have been settled with the {$330.00} that has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: LOBEL FINANCIAL CORPORATION
State: CA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute with XXXX  and XXXX  to removed fraudulent accounts be removed from my credit report, investigation took well over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I used the mobile Chase app to deposit a check made out to cash in the amount of XXXX. On XX/XX/23 I noticed the money was there but I couldn't use it. When I called Chase they told me my account was frozen because the check was made out to cash. They needed to verify that the check was meant for me. I called my boss, who wrote me the check. She then called the bank to and informed them that the check was meant for me. She told me it would be cleared within a few days. After a week and about XXXX phone calls later, it was still not clear so i went in person to the bank. The bank teller informed me the only way to clear this was to have my boss call the bank, which was done already - XXXX times. Every time we call, they say something different. Now my account is completely closed and they are holding the money. My boss who wrote the check tried to cancel the check but Chase will not allow that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PennyMac has lied, I asked for copies of the documents they mailed to me and I havent received them. They also need to address why they didnt pay the same policy that I have had for the past three or four years with the primary policy holder being XXXX XXXX this issue hasnt happened previously and now you want to force place me! I demand my insurance with my prefer carrier be reinstated and you remove your fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a joint checking and savings account at US Bank with my daughter. Both our names are on the account. I have a Visa credit card attached to the account as well. I have never missed a monthly payment. My daughter downloaded the US Bank app and made a {$2000.00} payment on XX/XX/2022 to the credit card balance by utilizing the " link bank account '' option which connected her XXXX account and submitted the payment to be applied to the card balance. Another payment of {$1000.00} was submitted on XX/XX/XXXX via the US Bank app to the Visa credit card account the same way, via the linked account. These were payments made in addition to my regular monthly payments. 
On XX/XX/2022 I received a letter from US Bank ( dated XX/XX/2022 ) stating that they had closed my credit card account effectively immediately. 
Their reason : " we are unable to determine that you are the owner and/or authorized agent for a Demand Deposit Account ( XXXX ) being used to facilitate payments to this account '' and " No further use of your card will be permitted effective immediately ''

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 2022-10-19
Company: OPORTUN FINANCIAL CORPORATION
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief