BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, XXXX - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I refused an offer for overdraft protection From Comerica Bank. I am getting continuous overdraft fees athat i can not afford to be taken away from me, lest i be out on the street because i can not pay my XXXX rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, 90 days XXXX, 120 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts 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 2023-01-18
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I went into a special program during Covid and got approved. I signed paintwork to have my mortgage payments automatically deducted from my checking account. They are not taking my payments out and even when I have been mailing my payments on time they will not cash my checks and keep waiting till after the time of up and keep charging me late fees when I mail my payment on time. They have been holding my checks too to invite interest on their end.

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 2020-06-09
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XX/XX/XXXX and XXXXXXXX  two hard pulls were reported on my account. I never applied for a Walmart credit card. A day later I get a report that the card is being made. I did not put an inquiry in for a credit card. I do not need another one and I dont know what or who did that. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello CFPB, I'm a paypal user, I made a withdraw from paypal XXXX my bank but I haven't received my funds in my card ending in XXXX. 
Paypal said, it shows the transfer for XXXX has been processed successfully on XXXX XX/XX/2023 to my card. 
My bank said that we did not receive or have any transfer in pending. 

Withdrawal to a card normally would take up to 5-7 business days depending on the processing speed of the associated bank. 

Until now I still did not receive the amount of XXXX, either on bank or Paypal XXXX 

Please I need your help, to follow Paypal with that problem, cause after my reserches, I found that many people had the same problem as me before. 

I also have problems to contact Paypal support, cause most of time they do not answer or give any attention or help. 

Sincerly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  and XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2020-06-09
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have tries to reconnect my PNC account to my sons XXXX account and my own XXXX account several times over the last year, even with the help of the bank, but it doesnt work. Thw accounts were connected when I first opened them, but since then the bank has changed something which makes it impossible to link it to outside accounts such as XXXX. This is ridiculous and I will have to get another bank account somewhere else if it is not resolved because I need to be able to transfer money to and from my son 's XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Protas, Spivok & Collins. LLC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX issued me XXXX with a {$12000.00} limit. I lost my job in XXXX and had trouble making payments. In XXXX XXXX, I entered in to a payment plan to pay $ XXXX/month. On my credit report XXXX reported I owed {$12000.00} and paid $ XXXX/month. XXXX debt collector, XXXX XXXX and Protas, Spivok & Collins XXXX LLC reported I owed {$15000.00} and could not be found for payment. Therefore, XXXX 's collection company sought to collect for the same debt simultaneously and for more money. 
In XXXX XXXX, XXXX XXXX, the attorney for XXXX, filed for judgment when a payment was received by his law firm a few days late. The judgment increased my debt from {$12000.00} to {$17000.00}! I NEVER received a summons. I was not present in court to defend myself. I wrote after the fact to inform the court and my protest fell on deaf ears. 
To date, I have paid XXXX {$10000.00} for the XXXX. I learned today that a legal hold/garnishment was placed on my XXXX bank account for {$15000.00}! I have paid {$10000.00} and now XXXX seeks an additional {$15000.00}. When I asked Protas, Spivok & Collins XXXX LLC why they requested {$15000.00}, they told me to file suit in XXXX XXXX Court. I have fulfilled my obligation and paid {$200.00} for XXXX XXXX. I am paying my debt, yet being punished. I had approximately {$1500.00} in my account and my paycheck for {$2200.00} will be direct deposited on XXXX XXXX, XXXX. XXXX will receive over {$12000.00}, which was the maximum card limit. It is unconscionable that I am being forced to pay an additional {$15000.00}. XXXX sought garnishment for more than twice the amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
best buy / citi bank keep charging me small amounts after fully closing and paying off the card and cancelling the debt protection service. Account is closed, but yet still getting bills in the mail, and they are reporting us to the credit bureaus as late / missed payments. I have called multiple times and got the run around, telling me i need to call this other number to cancel something else, but its cancelled! them im told the account is closed and paid in full and should not get anymore bills and then surprise. this is hurting our credit and they cant get their stuff together over there!

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 monetary relief
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I purchased 2 vacations in XXXX from a very well known and popular travel agency named XXXX XXXX XXXX, based in XXXX XXXX prior to the world shutting down for Covid. I made my initial voucher purchase and following that all my monthly installments using my BOA Credit Card. My vacations were ultimately cancelled due to the world shut down, travel being illegal to do and airlines and hotels closing. XXXX XXXX XXXX  assured all customers that once the world reopened and all travel locations were safe to resume business, my vacations would be rebooked and would take place. Of the 2 vacations I had purchased only one was rebooked after the world opened. I was to take that vacation to XXXX XXXX this XX/XX/XXXX, working with the XXXX XXXX. I received word in XX/XX/XXXX that XXXX XXXX XXXX was closing due to the monies lost from tourism shutting down and all people who booked vacations were not receiving a refund! 
Crushed dreams and a broken heart. 
I'm not wealthy to lose thousands of dollars. 
Upon advisement I was told to contact the CC company and dispute the charges to get a refund. BOA has denied me 2 times because the dates of purchase were out of the time frame to retrieve the money. This happened due to the Covid shut down and the company closing after Covid and not in my reporting past the rules... rules that can be changed due to the circumstances of Covid. 
My initial voucher I purchased was for {$500.00} on XX/XX/XXXX I then made monthly installments for {$200.00} 13 times late in XXXX and in XXXX. 
My loss on this credit card is a total of {$3200.00} I submitted all information about the CC company closing due to Covid and BOA had all the proofs of purchase in my account. I also submitted my plea letter that fell upon deaf ears and no one person willing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies : 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 

Not a single company has responded. So I reached out to XXXX, Equifax, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though USPS on the 1st of each of those months, and I have yet to have a formal Response Via USPS as of today, XX/XX/2022. 

Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted.

( A ) In general if, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Essential Retrieval Group
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to contact our place of business for a debt for a person who is deceased, XXXX XXXX. After numerous attempts they will not remove our phone numbers from their dialer. I made numerous attempts to get their professional license number but they continued to hang up on me. Their phone numbers are as follows : XXXX, XXXX, XXXX, XXXX and XXXX. They are stating their address is XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - which is a XXXX Store. 
XXXX XXXX stated that she is the director of collections. She told me I was contacting the wrong place and lied about the phone numbers not being apart of HER company. Below are the names or alias that these scam artists are using. XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This is another dispute to TransUnion I am submitting a 609 dispute letter to TransUnion regarding 3 accounts transunion is in accurately reporting, TransUnion is required by the FCRA to delete this accounts. 

1. XXXX XXXX XXXX XXXX - Eviction Record Sealed from General Public that TransUnion is reporting which is a violation of my right to confidentiality. 

2. XXXX XXXX XXXX- An Illegally Re-aged Account that TransUnion , along with the creditor has illegally Re-Aged. 

3. XXXX XXXX XXXX An Account that was paid off, and is being in accurately reported as owing XXXX XXXX XXXXXXXX . 

By Federal law TransUnion has to abide by Section 609 of the FCRA and turn over all documents that they received from the creditors that ( verifies the debt as accurate ). All hidden records to be included that means records that are not disclosed. If TransUnion provides incomplete information, they are required to delete ( all 3 ) accounts, if TransUnion refuses to turn over documents by Federal law they are required to delete ( all 3 ) accounts.

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 2023-02-24
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: Investigation took more than 30 days

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 - has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX - has violated my rights XXXX  XXXX : # XXXX - {$2900.00} - has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXX has violated my rights 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 2017-03-31
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a remark listed from a collection agency which is false information and inaccurate. I tried to dispute with no outcome please 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
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief