BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Other problem getting your report or credit score

Complaint:
Date : XX/XX/2020 My credit score ( Transunion and XXXX ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with Transunion subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?

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 2020-07-01
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Despite having kept my account in good standing and never having presented any security risks such as lost-stolen cards or transaction disputes in the past, Netspend has placed a freeze on all prepaid cards associated with my identity after attempting a purchase with the Merchant XXXX through a local ATM nearby my residence that is also within the same zip code. 

Since the declined transaction was placed on XXXX, It appeared that NetSpend had frozen all of my card accounts, taking away my ability to transact or access my available funds. Currently, I have more than {$4000.00} on deposit with NetSpend, which is connected to 2 different prepaid cards, all which have been frozen. 

After speaking to a Representative in the Risk Dept, I was told to send pictures of my State ID Card, Social Security Card, and a letter from state medicaid to verify my address. 

Since the request, I have sent all of the requested documents, plus my marriage certificate to verify my new Surname which appears on my State ID Card as XXXX, although on the rest of my documents appears my maiden name, XXXX. 

I had received an email immediately after my documents were emailed to XXXX which stated my document would be reviewed within 6 business hours. After 6 business hours, I had received an email stating that my documents were reviewed and forwarded to NetSpend 's risk department for further review and would be contacted soon. 

I have received no contact from anyone at NetSpend since. It is now XX/XX/2020, and my card accounts are still frozen. At this point, I would like to escalate this matter a Manager because this is unnecessary, All of these security measures are being taken, although I have never encountered any financial loss tied to my NetSpend accounts. 

These security measures are being exaggerated. I need immediate access to my funds, due to the financial hardship I am experiencing as a result of NetSpend 's actions. I have never given NetSpend any reason to have to flag my accounts as a security risk.

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 2019-09-06
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 fraud alerts or security freezes

Complaint:
tried to submit credit freeze with experian on XX/XX/2019 by phone providing info and experian would not do it and said to send by mail with photo id. i do not want personal info in mail. data breach reported by my XXXX account but can not reach experian to freeze.

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 2017-01-19
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I called Navient on several occasions to lower payments based on my income and was pushed off making it so my loans went into a past due state which not only affected my credit score but also my cosigners. They also sky rocketed my interest rate from 7 % to 10 %. They also called me upwards of 4 to 5 times a day even though I expressed to them several times I needed to change my payment or defer it until I could afford what they wanted me to pay and they told me that was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: EQUIFAX, INC.
State: MI
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:
After trying to resolve this issue numerous times with Equifax. I submitted a CFPB complaint # XXXX. In response to the complaint Equifax stated that the disputed account is not listed on my credit report. That is a lie. I have a attached the copy of dispute results that equifax sent me showing the account listed and saying they " verified '' it. I am not sure how this is possible since I provided them with my forbearance letter from XXXX as well as a credit reference letter from XXXX XXXX stating my account has been 0 days delinquent. Equifax has failed to properly investigate at a consumer request, has not corrected inaccurate information despite being provided proof of the inaccuracy, and they made false claims in an official CFPB complaint. I have again attached my forbearance letter, credit reference letter, and my equifax report providing proof of the inaccurate account. All of these things are violation of the FCRA by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
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 have disputed XXXX XXXX XXXX  with Experian and they have simply stated it is accurate without conducting a proper investigation under FCRA requirements. There is a 4 year statue of limitations in Florida and a 7 year from first date of delinquency reporting max per FCRA. This credit bureau ( Experian ) is allowing inaccurate, incomplete and erroneous information to show on my credit report. The XX/XX/2018 credit disputed for Experian show the payment history is incorrect. If you look at the payment history, you can see it is impossible for payment to be like that. They say the account is charged of but still have a balanced. I dispute the date account open and the payment history. They refuse to delete a charge off from a company. I've disputed this account many times and they refuse to delete this account that is just parked there without reporting or sending me any original signed contract that Ive signed. to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file.

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 2018-08-05
Company: Experian Information Solutions Inc.
State: MS
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:
Incorrect information on my credit

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 2015-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
As part of our regular monthly payment, we have included additional money towards principal pay down. From XXXX to XXXX, besides our normal monthly payment, we have sent {$150.00} specified towards additional principal. However, in the Bank of America statement, the {$150.00} does n't get applied toward principal, instead it gets categorized under " unapplied funds '', then used to reduce our monthly payment. If this is the case, then Bank of America is not applying the {$150.00} towards our principal pay down. We are not aware of any loan terms that say we ca n't make payments towards principal pay down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
To whom it may concern, I have been in dispute with American Express Serve for the last 8 months over a charge that they keep placing it in my dispute, I did not put that on the original form, " XXXX XXXX XXXX XXXX XXXX for {$10.00}. '' By them doing this they keep denying my dispute claim for the money that I lost over the XXXX season in XX/XX/2017. I sent this dispute to you before and due to my own negligence I did not notice the discrepancy in the total amount for the dispute charge. After going over my records again and going over my original dispute charge and looking at past emails I found where the issue had laid. The total amount was {$1800.00}, that I lost on XX/XX/XXXX. American Express says that it was {$1800.00}. That is incorrect because they keep adding {$10.00} from the XXXX charge, where I lost the card. I didn't understand the miscommunication that I was having with American Express, especially since I also put in a police report stating that my last transaction that I made was at XXXX XXXX XXXX. I also sent them a copy of the police report to help clarify the situation. Again they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Pnc will not bet let me like my XXXX account to apps which include apps to manage my stocks. This issue needs to be resolved it affects our financial lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/20 I initiated a dispute for the XXXX accounts showing as past due and closed. I was not able to view the results online so I called and spoke with XXXX today XX/XX/20 XXXX advised me that the creditor does not have to show proof of delinquency they just have to advise them that they have validated the account. He has disputed them again. These accounts should not be showing on my credit report at all and definitely shouldn't be showing as late. XXXX does not service my loans and has not for years. I think that creditors should be responsible for showing proof of the things that they report to the 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 2017-01-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I just recieved a phone call from Navient previously known as XXXX. First begining with the conversation I was informed I had a private loan I knew absolutely nothing about. After a while discussing this matter I was offered a settlement of {$450.00}. She tried her hardest to get me to pay this portion in full so this loan i knew nothing about would be taken out of deafault. She offered me to pay {$50.00} a month until the {$450.00} was repaid. I informed her " it was impossible for that to happen '' she fought with me stating " you dont want the lower ammount '' i replied " yes of course " she said " my advice, than pay the ammount i stated '' I have a XXXX husband and child that i am barley able to feed. I offered {$20.00} and she basically told me, that couldnt happen because it would take to long and my loan ( that i knew nothing about ) would be in default until it 's paid and they would charge interest again ( after taking it off to " settle '' ) I also have XXXX federal loans that were just taken out of default through loan rehabilitation ( different company ). Now, after the rehab those federal loans are being handled through Navient. I just dont understand this process and feel very offended that this women thinks i am stupid by tricking me to pay a lower ammount. I also KNOW i was taken advantage of by XXXX when the women who applied for my loans for me, told me the XXXX year old me should apply for myself instead of having a co-signer or putting my loans in a parents name. I was also kicked out during my externship at a doctor 's office ( during work hours ) because i couldnt pay them the money owed for a failed class ( due to absenses ) They never even offered me a payment plan for that. I am outraged that 10 years i am still dealing with the harassment of XX/XX/XXXX. Their lies have affected to many of us and today i am informing you that they are still at it, even after all the lawsuits they have encountered. I am scared to continue dealing with them for my federal loans, due to their im professionalism and vandictive ways. I worked so hard to get those federal loans out of default, after years of bad credit i am able to obtain my first credit card. I am XXXX years old and i am not taking this madness anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Amex is not appropriately classifying a whole range of charges for 4x points on the Gold Card. Inquired about this issue on missing points multiple times and it has not been resolved. 

Below is a link to provide more details of the issue.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TD BANK US HOLDING COMPANY
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:
I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX  has not responded to my request nor have they removed the remark. XXXX  and XXXX  have both responded and both removed the negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Former Bank of America mortgage customer. Would like confirmation from CFPB IF my mortgages ( Our mortgage loan # 's were XXXX & XXXX ) were part of the following 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 2018-08-05
Company: Experian Information Solutions Inc.
State: OH
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 was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is :XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: Continental Finance Company, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX  contacted me about a card they said I had back in XXXX. They said it was issued to me, this was not a card I had applied for. They gave me the original count number and the original company. I contacted the original company they told me that the card was sent out I am returned twice to them unopened. However there were charges on the card. The address the card was sent to I was not living at XXXX of XXXX. So not only did I not apply for the card, I could not have received the card, and it was returned to them unopened. I don't understand how the original company did not see that an unopened card envelope had charges on it and investigate this back in XXXX. I tried to explain this XXXX  the lady didn't believe me put me through to her supervisor who also did not believe me and hung up on me it's an emotional time I not working I'm not getting my unemployment I try to explain this to them and put them telling me that they're sending somebody out to serve me for a complaint to me this is scare tactics that are not needed especially in a time like this she gave me the information for the card then they are nasty with me telling me that was that company no longer owns the card I informed them that I was contacting them back and let them know that the company was investigating are there end the fraud use of the card so I can clear my name they didn't want to hear any of this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TX
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:
Those accounts were never fully legally investigated.

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 2016-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've had XXXX business checking accounts with Bank of America for 15 years. On XXXX XXXX, 2015, they closed my accounts without adequate warning and with no reason given. ( they say they sent a notice in the mail a couple of months ago, but I never saw it ) - I was setup with online paper statements/alerts, and I was never sent an email warning, nor were there any warnings when I logged into my account. 

This has affected my business, resulted in multiple missed payments, and lots of inconvenience just as I was heading out for my XXXX holiday vacation. 

I want to find out why they closed my account with no reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Credit Bureau of Carbon County
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was sent summons information about someone else from a collection company. They filed incorrect information regarding someone else 's debt in my case and Certified that I had been served while providing Name and Address of entirely different person. They additionally sent critical court date and appearance information to an old address, despite that all other correspondence addressed to current address. They are suing me even though I am paying on a debt that I have disputed.

Company response to consumer: Closed with explanation