BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent XXXX  Report number XXXX TransUnion File Number XXXX XXXX XXXX  Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX  POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX  XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting XXXX information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..

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 2019-01-20
Company: Armada Corp.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All of the derogatory remarks on my credit report are paid, and closed. Please remove all derogatory remarks.

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 2020-07-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to obtain my credit report via XXXX from Equifax. 

I have done this weekly in the last 3 weeks. I have had no problems obtaining my XXXX  or XXXX  reports. Each time Equifax reports " Online Delivery Unavailable '' and they want a litany of mailed information. I called Equifax last week and there was a suggestion it may be related to a credit freeze, despite what I read on FTC and CFPB websites. I unfroze my account at Equifax. In trying again today at XXXX, I was again told " Online Delivery Unavailable ''. I am confident I am answering the security questions correctly because I am able to complete security for the other bureaus and because I have recent Equifax credit report to reference. I called again Equifax and explained the situation - answers from their representative suggested that they were not aware of the Fair Credit Reporting Act requirements and would not answer why their company could not fulfill the service requirement of XXXX. I asked to speak to a supervisor. At that point, the representative asked me to hold, and after a few minutes the call was terminated by Equifax because I was routed directly to questions about my satisfaction with the call, with no other options. Many other Americans report a similar obstructionist experience from Equifax but not XXXX  or XXXX  - https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week. 

I ask CFPB to interface with the leadership of Equifax and curb this galling and obstructionist practice especially in light of their breach of 150 million Americans information ( of which I was one ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in the process working with XXXX on getting a loan modification. Uniform Borrower Assistance Form was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX We received a Here to Help letter from Bayview Loan Servicing, saying they understand financial circumstances may change affecting our ability to pay our mortgage and they want to offer assistance in case we are unable to catch up on missed mortgage payments. Options provided to keep our home include modify our mortgage, a Uniform Borrower Assistance Form was sent along with this letter. We did not send in any documents at all at this time. 
On XX/XX/XXXX we received and " official '' letter saying our mortgage loan was transferred from XXXX to Bayview. Also on XX/XX/XXXX we received a letter saying " Thank you for sending your application for Loss mitigation> " This letter confirms ore receipt of documents requested in your Initial Package Request '' ( We did not send anything ) and instructions to Submit documents. 
On XX/XX/XXXX Letter noting our dedicated point of contact and instructions for how to apply UBAF.  And HAMP info. On XX/XX/XXXX, Letter saying they are using the UBAF documents from XX/XX/XXXX sent to XXXX and are being reviewed. On XX/XX/XXXX Letter saying Loss Mit. app is incomplete and needs form XXXX and must be submitted by XX/XX/XXXX. 
On XX/XX/XXXX ( before missing form was sent or received ) Letter received saying we were APPROVED FOR TRIAL MORTGAGE, the new monthly cost is XXXX ( which is lower by only XXXX ) I did call our point of contact to discuss the amount and see if we could re-file our UBAF because there was a significant change in our financial circumstances, His response was " Bayview is UNABLE to consider this request because The XXXX XXXX Flex Modification Trial Period Plan we have been approved for and currently making payments on ( we are not making any payments at this time ) offers the best available terms to us. Because the new Investor who owns this loan uses " The Waterfall Ranking Method '' and will deny any Foreclosure Prevention Options. Because our Loan has been approved for a Trial Period Plan this results in a denial for any other Foreclosure prevention Options Ranked below the option we are eligible. 
On XX/XX/XXXX Letter received again saying we have been approved for a Trial Plan. I called point of contact again expressing our concerns and he basically said if we do not make the first Trial Payment on or before XX/XX/XXXX Bayview will begin to FORECLOSE. 
On XX/XX/XXXX Letter saying Bayview " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' So it seems t us we Have No Recourse, No Options to Discuss and No Opportunity to Prevent FORECLOSURE from Bayview. 

IS THERE ANYTHING WE CAN DO?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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: Old information reappears or never goes away

Complaint:
I have communicated with the credit bureaus to remove inaccurate addresses that are listed on my credit reports, to date, to no avail. I have also requested that all also known as or alises be deleted and the bureaus have not deleted the inaccuracies. The following items should be deleted immediately on all 3 of my bureau reports : XXXX XXXX XXXX.,  XXXX , XXXX  XXXX XXXX XXXX XXXX. XXXX., XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX All Previous employment history should be DELETED DELETE : 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 2021-05-05
Company: Experian Information Solutions 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:
I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$20000.00}

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 explanation
Consumer complaint received 2018-04-26
Company: AES/PHEAA
State: GA
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:
I am a XXXX XXXX in a low income, XXXX XXXX XXXX. This is my 22nd year of XXXX, and I still owe a tremendous amount on my student loan. My qualifying employment begin date was XX/XX/XXXX. In XX/XX/XXXX I went on what I was told was a repayment plan that would qualify for Public Service Loan Forgiveness. I've been working now for four years under that assumption. I contacted my provider and was told that I have NOT been using one of the correct plans, and there could be no resolution of the problem. My retirement date should be XX/XX/XXXX and I will definitely have been making the XXXX monthly payments on time as I do and have done every month. I was told that my loan balance would be forgiven in XX/XX/XXXX, and now everything is a mess because they say that I CHOSE the incorrect plan. Please help me. I am XXXX years old, and I don't think I should have to start my 10 years of repayments over again. I am convinced that I signed up for the correct repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried transfering funds from my PNC checking account which I have used in the past. PNC blocked the transfer. There was no reason given by the PNC rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted dispute to XXXX and XXXX and Equifax all the same day XX/XX/2018 - it was not until I complained to you I ever got any correspondence from Eqifax. They did not respond to me in the required 30 days so they MUST TAKE OFF THE NEGATIVE INFO AS REQUIRED BY LAW FOR NOT GETTING MY DISPUTE RESULTS TO ME TIMELY. It was not until I compalined to you the they even sent an email and then I could not even open the darn thing. Equifax you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I sent almost {$1900.00} via chasequickpay ( XXXX ) to a guy who " sold '' me a PC. He told me some of the parts were still coming and that he would get back to me. He had me meet outside a shop in XXXX  and claimed it was his. Even printed me an invoice and made me sign it. I called chase and they said because its not a debit card transaction it can not be reversed. I have filed a claim before with XXXX over {$500.00} with XXXX and they were able to get me my money back, im not sure why chase isnt able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: I.C. System, 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:
IC Systems is showing a charged off account on my credit report. Stating that I opened the account in XXXX of 2019. They show they are with XXXX< I have been sith XXXX for 3 yrs. They refuse to delete the account.

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 2021-02-20
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency located at NATIONAL CREDIT SYSTEM XXXX XXXX  XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. Is refusing to respond to my validation request of providing proof I owe this debt to this agency, signature, license to collect in the state of Florida, signature and address proof this debt is mine, a lot of violation is committed by this agency per Federal Credit Report Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had tried months before to remove the security freeze on Equifax.com, but to no avail. I was unable to log in or get a hold of any person. I also mailed in information to their address on their website, but my account remains frozen. On Friday, XX/XX/2020, I tried again to remove a security freeze on Equifax by logging in to the account. Following the directions given by Equifax on the phone, I logged into MyEquifax and was met with the screen displaying this message : We are temporarily unable to complete this request. 
Please try again later. 

I tried to call them at ( XXXX ) XXXX, and was met with a recording, and when I pressed " 0 '' to talk to a person, I received a pre-recorded message telling me I needed to mail in paperwork with information about my identity. I had done that previously a few weeks ago after giving up on all my attempts to contact Equifax through the phone and logging into my account. There seems to be no accountability on Equifax 's part regarding their duties to consumers. I am not able to log into my account, talk to a person, or see any difference by mailing information to them. I want to be able to have control over my credit freezes/information and Equifax is denying them to me. 

What needs to be done is that credit bureaus should give consumers control over their accounts. Make your website accessible to everyone. Have people on the phone on the other side ( especially when you give that option! ). This is akin to a bank not letting me access my personal checking account and should be illegal. If a company is not able to handle sensitive information that belongs to someone else with responsibility, it should be denied the privilege of storing that information, much less having a hand in rating a responsible citizen 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 My name is XXXX XXXX, I have looked everywhere for help. My daughter passed away on XX/XX/XXXX and I spent everything I had and then some just to get her cremated. I couldn't even have her buried. I was evicted after the eviction ban and I borrowed the money to rent a place, I was {$300.00} short and a friend decided to send it to me via PayPal. They claimed that I violated user agreements and put a permanent hold on my account and in 6 months I might be able to get my money. I had {$370.00} and {$300.00} in a moving fund, I lost the money that I put down on the house. So I am XXXX XXXX XXXX XXXX XXXX XXXX with my daughter 's ashes and have not eaten in 3 days. Will you please send a letter to PayPal and demand them to return my money? I thought about getting a lawyer because this has broken my spirit. I am so XXXX  and I feel XXXX, I think they should pay enough in damages at least so I can have a home and bury my daughter. But if all I receive is my money, I will count myself lucky. Thank you for reading this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: FEARON FINANCIAL LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX continues to skirt around the CFBP RESPA guidelines we all have to adhere to. We have been extorted by there vendor program for years and now they are blatantly incentivizing agents to refer buyers to Keller Mortgage. Offering profit sharing bonuses, discounts to customers and not disclosing an affiliated relationship. 

This is illegal yet it seems there is no recourse. Why is it that the rest of us lenders have to follow the rules but Keller is not only allowed but incentivized to steer customers and illuminate options for consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 Synchrony reported to XXXX  that it had closed my amazon store card, I called on XX/XX/2019 to inquire why and the customer service representative informed me that it was because I had two returned payments, one for {$3.00} and one for {$5.00}. I informed her that the payment was returned because the bank account I used had changed my account and routing number, I also informed her that in the over 2 years that I have had the Amazon Store Card that I have NEVER missed a payment, and my account was still in good standing and even though though payments bounced back I still made {$40.00} in 2 separate payments to my account within 9 days and BEFORE my statement date ended and I had also met my minimum monthly payment LONG BEFORE the due date.

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 2020-12-15
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from a new Collection agency called XXXX XXXX XXXX XXXX. I previously sent in a complaint against Exeter Finance who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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:
There is one account on my Experian account and I have been disputing this account with a police report and FTC for 2 years and nothing has been done about it I need help because this is not my account I dont know how else to say this. 

XXXX  XXXX XXXX - Acct # XXXX Amt {$17000.00}

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 explanation