BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-05
Company: CORELOGIC 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:
XXXX XXXX XXXX XXXX and or Credco was never authorized to pull my credit. Please see the attached pdf that does not provide concrete evidence that I approved this credit pull. Once you review the attachment, have XXXX XXXX XXXX XXXX and or Credco provide proof that I authorized a credit pull. When XXXX XXXX XXXX XXXX and or Credco fails to provide concrete evidence that I authorized a credit pull, please remove their credit pull from all credit bureaus.

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 2015-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, I had a balance of {$110.00}. I had XXXX transactions for {$120.00}, {$17.00}, and {$5.00}. Instead of clearing the smaller items, Bank of America charged me for XXXX overdrafts, at {$35.00}. I know Bank of America uses an algorithm which sends the highest amount through XXXX, and then, instead of paying the smaller items, they charge {$35.00} each. On XXXX XXXX, I had XXXX deposits totaling {$1200.00}. I wonder when this small window of opportunity allowed the Bank to charge me {$100.00} for overdrafts, when I have a positive balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : 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 2023-07-31
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
15 US CODE 6801, 18 US CODE 1028, TransUnion breached, consumers ' financial information exposed 2022.

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 2018-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday XX/XX/XXXX I discovered that 4 ACH withdrawals were made from our savings acct. {$450.00}, {$900.00}, {$100.00} and {$2100.00}. I immediately contacted our bank Citizens bank and it has been a nitemare!! I went thru 5 different people and finally made a complaint on social media. I then was contacted and told that they would work on it and wed hopefully have our $ $ by today or tomorrow. I asked the bank how this happened as we have NEVER had an ACH withdrawal from our savings before. No one can give me an answer. I filed a complaint with the XXXX and my complaint with Citizens has now been brought to the attn of the chairmans office but when they called me today, they said nothing except their name and that theyd be handling my case? She said Id get a phone call by the end of the week?? I just now discovered that 2 MORE FRAUDULENT WITHDRAWALS HAVE TAKEN PLACE TO MY CHECKING ACCT!!! {$400.00} and {$600.00} ... .I called the bank again at XXXX XXXX ... spoke to a supervisor who filed those two additional claims and only apologized!! I am disgusted and I want my money!!! I want answers too!! How did this happen?? What kind of fraud security am I being provided with? No one at the bank can tell me?? I want my {$4600.00}!!! Im filing complaints with the state tomorrow and will continue to do so until our money and explanation is returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been taking the initiative to correct errors on my report since last year XXXX. I always hand write all my letters of dispute, and attach it with a photocopy of my driver 's license and or a bill for accuracy of my address and to show it's actually me disputing items on my report. I received what I'll like to call a stall letter on Transunion 's behalf and frankly I'm sick of tired of the delays and lack of investigation regarding my credit report. I will enclose their most recent letter dated on XX/XX/XXXX along with my letter dated back on XX/XX/XXXX, within their letter they explain that they will not be able to investigate my items until they verify it's me. My handwriting, address, and facial features via my ID has not changed. I even called them and was told by a rep that I needed to speak with the fraud department, which isn't in the office as of XX/XX/XXXX at XXXX XXXX. Please kindly assist me with ensuring that TU properly investigate my disputed items within 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 2022-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my Paypal account for my online business. I just started by XXXX XXXX XXXX XXXX XXXX this year and my Paypal account ( XXXX ) has stucked funds in it and I have to withdraw funds for emergency purposes. I am hoping that I will get back my account and be able to withdraw my funds. Many thanks and more power.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been paying on my loan for nearly 10 years and the balance has barely moved. My loan is throught Navient and I have become aware of them being sued for mishandling loans and giving misinformation. I have been given information by this company that has not helped me pay off my loan at all. I am filing this complaint so that Navient and CFPB is aware that I would like to seek help in this matter. I have gotten nowhere with my loan and that is a huge problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My payments are {$510.00} a month and I have called several times to ask for lower payments or for them to work with me in anyway. They told me point blank, they do n't care about customer service, they would rather I take my loan elsewhere and they lose out on money than to help me with making my payments. I had no idea that when my loan went into repayment that I had been locked into a monthly payment of {$500.00} to pay it off in 120 months. They did not explain that to me until after the fact when my monthly payment increased and when I called to ask they said that 's what you signed up for, the best we can do is offer forbearance for three months with interest still accruing. More people need to know how awful Sallie Mae is with their policies and their customer service. They simply do n't care about the customer at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened Citi Priority checking & savings accounts on XX/XX/XXXX. I deposited {$25.00} into checking & {$50000.00} into savings and kept the money in for the required 60 days in order to receive promotional {$700.00} bonus. I moved the $ XXXX to a Citi Bank Accelerate account on XX/XX/XXXX after confirming with a Citi Priority banker that I already met qualification requirements for the {$700.00} bonus and should receive the bonus within 90 days of XX/XX/XXXX ( meaning I should expect the bonus by XX/XX/XXXX ). It is now well past XX/XX/XXXX and I've still not received the bonus. I tried calling the bank on 36 different occasions, and after two dropped calls and transfers to customer service personnel who were clueless and just gave me other phone numbers to call, I've lost my patience. Please contact them and have them give me my {$700.00} credit I am due.

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 2023-06-28
Company: OneMain Finance Corporation
State: CO
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:
In accordance with the fair credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX and One Main Financial, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
DiTech, a " XXXX XXXX '' became the successor in interest to Greentree ( which had purchased our mortgage loan from XXXX XXXX I believe it was ). Around XXXX XXXX we received our annual escrow statement showing a large positive escrow balance accompanied by a " Shortage Adjustment Notification '' proposing a {$64.00} per month increase in the escrow portion of our monthly payment, accompanied by a footnote that the information provided did not require any action on our part. I took no action because I could not determine how they calculated a shortage. The XX/XX/XXXX Payment went with the standard payment - the pre-shortage notification payment and DiTech lowered the boom. It did not credit me with the XX/XX/XXXX payment at all, but deposited it to a suspense account ( whatever that is ), imposed a late fee of {$120.00} because the XX/XX/XXXX payment " had not been made '' ( on the escrow shortfall of {$62.00} ), claimed we were a month in arrears on our mortgage and will undoubtedly up the late fees and charges when I refuse to pay the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: LOBEL FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am part of the consumer that were effected in their class action law suit No. XXXX XXXX XXXX. My contracted was date in the XXXX. They are attempting to garish my wages on a incorrect judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX and Experian have been reporting two collection accounts who have violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX did not provide me with notice of debt and allow me to dispute their claim and when I did become aware of the collection accounts I requested validation letters with proof of ownership required under Fair Debt Collection Practices Act but the information was never provided. I have requested that both bureaus remove these accounts and have even requested the verification in a complaints filed here at CFPB but nothing has been provided and the accounts remain open my report as of the date of this complaint.

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 2021-06-02
Company: FIRST PORTFOLIO SERVICING INC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I filed a complaint with you stating that this company is reporting several factors of inaccurate information on my credit report. On XX/XX/XXXX, Vervent, the company in question responded to my complaint. 

Vevernt stated that " THEIR COMPANY DOESN'T HAVE ANY RECORDS OF AN ACCOUNT BEARING MY NAME. " In addition, they stated that " WE ARE UNABLE TO LOCATE THIS ACCOUNT BASED ON THE INFORMATION PROVIDED ''! 

I have made all the proper attempts and used all proper measures with resolving this wrongful information being placed on my credit and damaging my current state of livelihood!

I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I DO NOT OWE THEM! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.

The case was closed with you and no resolution was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2022-05-18
Company: Experian Information Solutions Inc.
State: VA
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 has violated my rights. 15 USC section 1681 section 602 states I have the right to privacy.15 USC section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2020-07-30
Company: Phoenix Financial Services LLC
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:
In XXXX of 2020, I had a collection agency, Phoenix Financial Services ( " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified PFS and XXXX, however no change has been made to my credit 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 2023-07-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/2022 XXXX XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I sent letters to TRANSUNION letting them know that they were reporting false information on my credit report and they refused to delete the items in violation of the FCRA and in violation of requisite XXXX Compliant reporting standards. They are listing collection accounts as being open and also a Past due balance. According to the FCRA I have a right to a completely accurate credit report and are required to remove any information that is not true, verifiable and accurate. The following accounts are being illegally reported : 1 : XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting as open and a balance of {$62.00}

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 2023-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation