BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: MD
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:
I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Massachusetts Educational Financing Authority
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am the co-signer on my son 's student loan from XXXX. I was out of work for a couple months and fell behind on the repayment. I have since contacted them almost 3 months ago and told them of my situation and that i was going to start making payments again and i would add an additional {$50.00} per month to go towards the past due which at the time was about {$1200.00}. I have made 2 regular monthly payments on time with an additional {$50.00} and i still get harassing phone calls from them almost daily. I feel that this is harassment. I have told the person calling that it is harassment and they said they have a contract with XXXX and they have to call even if your account is being paid by a payment arrangement as agreed upon because it is still past due. 
I have been in the XXXX and XXXX business for over 18 years and even I can see that this is harassment. I really feel that they need to be investigated for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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:
This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2020-07-22
Company: EQUIFAX, 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 contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX XXXX XXXX that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXX XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to XXXX XXXX XXXX and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with experian and XXXX XXXX XXXX XXXX XXXX multiple times, letting them know that I am a victim of fraud, experia refused to block this information from my credit report, even after knowing that I am a victim of fraud, everytime I dispute these two accounts experian says that the accounts have been validated, I didn't authorize for an account to be opened in my name, I want to know what information was used to verify this debt, I need the original application showing my signature, I need validation of the debt showing that it belongs to me. I do intend to file suit if this account isn't removed within 7 days from 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 explanation
Consumer complaint received 2023-06-05
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:
This is my 12th 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 Balance : {$1000.00} XXXX XXXX Balance {$170.00} XXXX XXXX Balance {$2000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XX/XX/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 2022-12-16
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Thanks for the response, however I did not receive the check reissued in my name, dated XX/XX/2020 in the amount of {$3800.00}. All checks were reissued with the exception of this one, check number XXXX. It was returned to escrow when that check should have been reissued in my name, XXXX XXXX. Please assist. Why was that check not reissued to me? Please refer to complaint # XXXX where this was never addressed and resolved.

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 2023-04-21
Company: U.S. BANCORP
State: NC
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 customer service

Complaint:
My name is XXXX XXXX. 

I have a credit card with U.S. Bank. 
The product is called US GO bank credit card.

U.S. Bank has disabled my username since XX/XX/23 and not able to resolve the issue. 
When I contacted the customer service ( XXXX - XXXX XXXX, the agent was not able to her job duties proper to address my concern. 

There was no resolution provided and she was extremely rude in her behavior. 

My online access is still blocked and unable to see or monitor any credit card transactions.

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 2021-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
review the following account that appear on my credit report, without any authorization, are not mine CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
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 contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX CARD SERVICES that due to a drop in my XXXX XXXX my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my XXXX XXXX. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score.  XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXXXX/XX/XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to 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 2020-07-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is below 78 % of the appraised value. I requested cancellation of PMI aby email and by phone the loan servicer has refused. All payments have been on time. The loan servicer is Lakeview Loan Servicing LLC, XXXX XXXX. This appears to violate HPA.

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 2020-07-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am the financial power of attorney for my elderly father. I am appalled at how poorly this company handles legal documents. My power of attorney has been faxed to Ally financial 3 times. And they claimed to have lost it 3 times. My father had bought his granddaughter a used car. And she was paying the monthly note on the vehicle. The loan is through Ally financial. They would refuse to accept her payments over the phone and hang up on her. Even after being added as a authorized person ok n the account. When covid 19 started at the beginning of the year she received a letter from Ally that they could defer payment due to covid hardship. In Late XXXX she was laid off because of covid. She called them to ask for hardship assistance. They told her that they could not talk to her about the account and hung up on her. She tried many times to resolve this issue they denied her access to bill pay option. when she had money to pay them. And on XX/XX/2020 a unmarked tow truck with no info or dot numbering came and took her car. The tow people wear rude hostile refused to give a business card. They told us not to call the police until 15 mins after they left. Which sounded shady. Plus they didn't show any paperwork or documentation. I also learned that this company has been doing a lot of this and has a lot of lawsuits towards them during covid 19. Also besides the monthly statements we never received a certified letter. Just the one the is uploadedthat is dated XX/XX/XXXX. That we received on XX/XX/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 2022-06-04
Company: LEXISNEXIS
State: IL
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:
I have reported these inquires and sent in police report by certified letters and they are still not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
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:
These uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: NC
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020

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 2020-07-22
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC refuses to allow approved 3rd party companies to access my bank account via XXXX, a well-known authenticator in the banking industry. This is unfair and is basically forcing me to find a new bank to get around these restrictions - which are unheard of at other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: OK
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 askes XXXX  to verify that information on my credit report is reporting 100 correct. XXXX  fail to reply with in a timely matter

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 2023-08-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello, I registered a PayPal account, I received some small sums from acquaintances that are not used to XXXX US dollars, and yesterday PayPal asked me to upload documents and bank statement. I immediately uploaded the required documents. I was told that my documents were being processed. And today they wrote me that my account is permanently banned. I do not know why PayPal did this, I have not violated anything. I immediately wrote to them and they said that we will not tell you why this happened. this is some kind of discrimination. I XXXX  and found a lot of similar cases and recommendations to contact you with a complaint ..... Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Problem with vehicle purchased at 3rd party dealer.

Vehicle has statewide issue recall on the engin company only notified 1st owners ( Im a 3rd owner ) found out about the problem at a scheuduled tune up took to a dealer to have the problem properly diagnosed called the company corporate office and was told recall is expired and my vehicle was over the miliage and they can do nothing for the car Remedy for the problem is to replace the engin for XXXX dollars ( I owe XXXX on the loan ) the engin is defective because coolant leaks into the engin block from a manufacture defect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 non-monetary relief