BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XXXX, I was contacted by an individual stating that his name was XXXX XXXX, claiming to be from XXXX XXXX with a phone number of XXXX. He stated that he worked in a law office and was reaching out before this complaint was filed in court ; he further stated that it was previously with a debt collection agency and that they had been contacting me and sent letters ( to an old address ). He said that he was trying to collect on a delinquent credit card account ( XXXX ) for {$590.00}. I told him that I never received any letter. 

I asked him for a copy of what was sent by the previous collection agency, along with the detailed account information including when and where it was opened and the detailed charges. He stated that he didn't have that, and I would be given everything once the civil suit is filed. 

I monitor my credit regularly and nothing for this account has ever been reported. Furthermore, I contacted XXXX, and they did not have an account on file ( current or past ) and I also spoke to their collections department, and they did not have anything reported on my account. 

I was looking things up online and it looks it is a scam. There was a live chat online for assisting in instances of potential scams and the agent told me that it sounded like scam. The phone number came back as a VOIP # when I reversed looked it up. 

XXXX XXXX, XXXX XXXX ( XXXX ) is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
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. # XXXX, and XXXX XXXX # XXXX, have 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 an account without my written instructions I have not given either of these debt collection companies written instructions to furnish any accounts and as such they are violating my right to privacy.

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 2022-11-05
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: IN
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 reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. XXXX  sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( XXXX  ) XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$790.00} # XXXX this account is NOT mine. Inquiries XXXX/XXXX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine, XX/XX/XXXX XXXX XXXX XXXX, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX {$790.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX this account is NOT mine. ( Equifax ) XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} # XXXX this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX this account is NOT mine. Inquiries : XX/XX/XXXX, XXXX XXXX  NOT mine, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX NOT mine, XXXX XXXX XXXXXXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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

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 2017-07-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX  / XXXX    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
so I have the XXXX XXXX card and I had the 18 months no interest on the account I haven't been getting my statements the last few and I thought I had until XXXX before the big interest payments hit I look at the my credit report a few days ago and to may suprise XXXX payment intersest hits I had no idea it was coming now. I thought I had until the end of XXXX and another thing there cut off times on payment are very very unreasonable where they make it 3 o'clock my time out here which is ridiculous all these payments are made on the same day they are due its not fair they have due at 3 mountain time. the last 2 late payment which total XXXX the XXXX of minimum charges on the account and this XXXX balloon interest they put all on the XX/XX/XXXX when I thought I had until XXXX all unfair so. I made a payment of {$2800.00} which is everything I owe minus the XXXX late fee 6 minimum finance and the XXXX finance balloon they just barley put on there XX/XX/XXXX which is unfair. I just paid the XXXX which is everything I owe minus all this and I ever tried to call and work it our with there customer service who refuses to listen to me and wanted to lift a finger to help they have all there money on the ring that I bought there is no reason they need to be greedy unfair and stick it to me this is paid in full they need to waive all the extra intersest and finance charges and the 2 late fees they are paid in full and they need to work with me, there customer is rude and refuses to help I can afford this extra XXXX especially and they are paid in full there is no reason they need to charge this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
on XX/XX/2022 usaa savings bank got a copy of my XXXX credit report i didnt not try to apply for anything with you guys on that day please remove inqury from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal is holding my money for over two years now, the 180 days are over now but its not allowing me to withdraw despite numerous calls to paypals support.

After paypal blocking my account i received a message that i will get my funds after 180days, upto now its over 2 years still being held. 

my paypal mail XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My complaint is a about bank of America they clearly trying to DISCRIMINATE against me... So my card was stolen somehow I never received a card someone stole thousands of dollars from..So I filed 4 CLAIMS through BofA to replace the money I lost, I had a claim for over XXXX dollars another one for over XXXX dollars another over XXXX dollars and the last one was only for XXXX dollars ... Bank of America DENIED 3 of the 4 CLAIMS..THEY approved the claim that had the least money but all the transactions were from the same card that was stolen..

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 2021-07-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I received a new credit card in XXXX. I never activated the new card. This was a replacement card because I lost my original card. 

In XXXX, I started getting charges on the new card that was never activated. I never authorized these charges nor do I know what they are for. I spoke with XXXX on XX/XX/XXXX. She confirmed that these charges never occurred on my original card. But XXXX as account updater and was able to put these charges through on a card that isnt even active!! She did nothing to open up an investigation to see where these charges came from. She did nothing to help with the dispute. I did not authorize these charges and she was nit concerned about that. I had to cancel my Fifth Third account. I believe I have been a great customer if not an exceptional customer for many years with Fifth Third, but again this did not matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In order to qualify for the expanded public service loan forgiveness law, I consolidated to a direct loan servicer. I consolidated to a direct loan with Mohela. Consolidation was complete in XX/XX/2022. I also sent in a PSLF application in XX/XX/2022 to be considered for forgiveness after consolidation was complete. The application has been processed, yet according to MOHELA I have XXXX qualifying payments. 

I called my previous loan servicer, XXXX, and they told me that my entire payment history was sent over to Mohela at the time of consolidation with Mohela. However, Mohela account shows that I have no qualifying payments. I have been paying my student loan for over 20 years, on time, each and every month. In fact I have paid at least a month in advance. There is no doubt I would meet the 120 qualifying payments to fulfill the PSLF criteria but it seems like Mohela will not credit me with my payment history. This was the whole point to consolidate with Mohela, to be eligible for forgiveness. 

I have called and called Mohela just to be sent on an endless loop of automated information at the end of which the call just hangs up. I was able to get through to wait for a representative only to hold for over two hours to speak with someone, who while was nice could not help me. She transferred me to a supervisor. I waited an additional 4 and a half hours but no supervisor ever materialized. I spent over seven hours in the phone with absolutely no help. I have also sent messages through my online account. No response. 

It seems that Mohela has a vested interest in not providing forgiveness, as evidenced by their recent action is Missouri to stop the other forgiveness law. But Mohela should be accountable to those loans they service and if I meet the eligibility requirements I should be given loan forgiveness. Again the only reason I consolidated with Mohela was for the purpose of PSLF law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CAPITAL ONE CREDIT CARDS, CABELLAS HAS TRIED UNSUCCESSFULLY, AND ILLEGALLY, BY MANY VIEWS, TO COLLECT, IN FULL, AN OWED BALANCE, THAT THIS CONSUMER, HAS PROVEN FRAUDULENT, USING US PUBLIC LEGAL SERVICES, US POLICE AGENCY REPORTING, AS WELL AS LEGAL DISPUTE PROCEDURES, AND INSTRUCTIONS, FOR RESTORING GOOD CREDIT, BY THE 3 THREE, NATIONAL CREDIT BUREAUS. THE LAST ATTEMPT TO COLLECT, AFTER, THE REPORTING BUREAUS, BY LAW REMOVED FROM THIS CONSUMERS CREDIT REPORT, THE ILLEGAL DEBT, CAME FROM CAPITAL ONE 'S RETAINED COLLECTION AGENCY, XXXX XXXX XXXXXXXX XX/XX/2022. THIS CONSUMER INFORMED THIS COLLECTION AGENT XXXXXXXX XXXX XXXX  VIA RECORDED LINE, AND WAS INTENTIONALLY, DECEIVED, VIA PHONE LINE, BY A LIVE AGENT MISPRONOUNCING THE LEGAL " CEASE AND DESIST ORDER '' THE AGENT SAYING A " SEEDEE ORDER '' AND WAS TRANSFERRED TO A COLLECTIONS AGENT. I ADVISED THE AGENT THAT THIS COLLECTION ATTEMPT VIOLATED STATE AND FEDERAL LAW, AND THE FCA FAIR CREDIT REPORTING ACT AND ENDED THE CONVERSATION CORDIALLY AND ASSERTIVELY, THE AGENT RESPONDED DEFENSIVELY, THAT SHE HERSELF DID NOT VIOLATE THESE LAWS, THINKING INCORRECTLY, THAT SHE HERSELF WAS LIABLE AND CULPULABLE FOR THIS CRIME. MIDLAND CREDIT RESPONDED IN WRITING THAT THEY ARE CONSIDERING, AND THREATENING A CIVIL ACTION, AGAINST THIS CONSUMER, THE WRITER OF THIS REPORT. I RECEIVED A WRITTEN NOTICE OF INTENT TO SEEK CIVIL ACTION ACCOUNT NUMBER XXXX XX/XX/2022, SINGNED " XXXX XXXX '' DIVISION MANAGER OF XXXX XXXX XXXX, REPRESENTING CAPITAL ONE XXXX XXXX FROM XXXX XXXX XXXX  ADDRESS, US XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX. PLEASE ASSIST. THANK YOU FOR YOUR SERVICE TO THE UNITED STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I received a letter from Specialized Loan Processing saying the Loan I had with XXXX XXXX XXXXXXXX XXXX was transferred to them for Servicing. I contacted them to make my payment for XXXX but they could not locate my account so I reached out to the previous mortgage company XXXX XXXX XXXX to explain my dilemma and they said I could make the payment to them and they would send it to the new loan Processing Company SLS. Although that was done they are not recognizing the payment towards my XXXX mortgage they call me multiple times a day and then when I call them back they transfer me from person to person to person to person and have been harassing me for additional mortgage payments above and beyond the mortgage payments that I always make on time.

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 2023-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
15 U.S. Code 1681 states that if information on my consumer report isn't 100 % accurate that it should be blocked and removed from my consumer report. If XXXX XXXX XXXXXXXX is reporting information to XXXX and Experian the information should all be the same. 

On the Screenshot of my credit report that I have attached ( The Date Opened ) and ( Date Last Active ) is inaccurate. All information being reported should be the same and it isn't All XXXX parties are working together to destroy the quality of life by reporting false and damaging information to my consumer report.

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 2023-01-19
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:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about their accuracy and the reported payment history on accounts are mystery to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My wife and I consolidated our student loans in 2004 (? ) because we were led to believe we would receive a better interest rate, but when we got our first payment notice, the payment was too high for us to pay. We were not told that that would reset the clock for the period of repayment, so the 25 year clock was reset. We started with a debt of about $ XXXX. When we contacted them about the payment amount being more than we could afford they gave us a forbearance. We were not informed that we had a limited number of forbearances we could have or that the interest would be capitalized and added to the principle every year. A few years ago, when we tried to get a new forbearance, we were told we had used all our forbearances and could no longer get one. We didn't want to default and after many phone calls and much frustration, were able to get on an income based repayment plan. The principle had climbed to over {$200000.00} by that time and now our payments don't even cover the interest. Unless we take evasive action, our estate, when we die, will be consumed by our student loan debt and our kids will receive nothing. I have no problem paying back a debt I owe, but I feel as if I was cheated by Navient.

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

Complaint:
The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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