BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 an unauthorized transaction charged to my account and in XXXX when I became aware of this charge I disputed the transaction. The transaction was reversed on XX/XX/2020, however the interest charges and late fees incurred due to the original charge remain. I did receive a letter stating that the dispute was resolved in my favor, yet I am still being charged because of it.

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 2023-11-02
Company: Nelnet, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit bureaus XXXX XXXX XXXX XXXX are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25
Company: Experian Information Solutions Inc.
State: CA
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:
This complaint is about Experian and how they handled my credit file. They have put erroneous information on my credit file, including two new inquiries even though those inquiries do not have my correct name or SSN associated with them and also I have a credit lock in effect since late last year. 

I have been frequently monitoring my credit reports regularly. And until around last week, I only had two hard inquiries on my credit report ( from  XX/XX/XXXX ). 

Suddenly, when I checked my reports this last weekend on XX/XX/XXXX, I saw two additional hard inquiries that appeared on my Experian report ( report number XXXX ) but not on the reports from the other two credit bureaus. I also see a name on my Experian report that does not belong to me. 

One inquiry is from XXXX XXXX, inquiry date of XX/XX/XXXX. ( Please note that this inquiry is from XXXX and it only appeared on my report just this weekend. It wasn't there before. ) Another one is from XXXX XXXX, inquiry date of XX/XX/XXXX. ( Note that this is from XXXX and it only appeared on my report this weekend ) The invalid name is listed as " XXXX XXXX XXXX ''. 

I called Experian several days in a row. It spent many hours waiting on the phone to be able to talk to various reps on XX/XX/XXXX and XX/XX/XXXX. 

Finally, when I was able to get an Experian representative to look into my file, they confirmed that the source of the invalid name " XXXXXXXX XXXX XXXX '' and at least one of the above mentioned invalid inquiries ( XXXX XXXX ) are related. They said that there was no SSN associated with this query inquiry. 

And yet Experian has erroneously linked the above name and inquiry to my credit file. 

The Experian rep I talked to only offered to remove the invalid name from the credit report but not the inquiry even though the source of the name is the invalid inquiry. 

I believe both of the above inquiries and the invalid name are related and have been placed on my credit report in error by Experian. 

Also, when I talked to the Experian employee XXXX from their XXXX department, she informed me that there has been a credit lock in place on my credit report since late last year. So the above inquiries from the this year should have been blocked. 

Please help remove these three erroneous items from my file as soon as possible. 

I have a new job offer and the employer is currently doing a background screening. Experian would be responsible if my job offer is rescinded because of their errors on my credit report. 

You can reach me at XXXX Thanks, 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 2018-09-25
Company: LAKEVIEW LOAN SERVICING, LLC
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I paid {$6900.00} for several months of mortgage payments. I was told when I made this payment, that my credit report would report " Paid as Agreed '' and that I was not going to be reflected late. My credit report now shows late. I have contacted the mortgage company numerous times via phone and email and have talked to numerous mortgage employees that verify the mortgage company reported this in error but the mortgage company has not corrected this issue nor have they contacted me. I simply am told " we see this in the notes, this is in error and we will look into correcting it and get back with you ''. I am reaching out to you to see if you can assist me in this 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 2023-04-08
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient calls every morning at around XXXX XXXXXXXX. With the previous calls I have requested that they send me everything in writing on. I believe Thursday, XX/XX/XXXX I returned a call with them and requested that they adhere to my request for them to provide everything in mail. On Saturday, XX/XX/XXXX I received a call from Navient ignoring my request. I requested a supervisor, but was told no supervisor was available until Monday

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance loan on XX/XX/XXXX Since then my file was returned by the underwriters at least six times for information that should have been identified at the initial review, this caused me to fax data as follows. XX/XX/XXXX, XXXX XXXX The XXXX dates are : XXXX. XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XX/XX/XXXX, AND, as I'm completing ths I recd a call for more information on data I know previously submitted, The XX/XX/XXXX request was for my permission to obtain a new credit report as the original had EXPIRED. Todays request for additional information on bank statements submitted in early XXXX Another problem is the failure to notify me of personnel moves. As an example : My processor was off duty from XXXX to XX/XX/XXXX without notifying me of her back-up. My loan consultant was replaced, again I was left without a person to call for status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had over {$9000.00} of fraudulent transaction from XXXX and Bank of America is refusing to refund them even after XXXX agreed to refund the whole amount back to them.

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 2018-09-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It's for XXXX XXXX for a XXXX Credit Card that's in my BoyFriend name and they keep calling my phone all day every day they called and left a very rude voicemail on my phone a Ms. XXXX her number is XXXX ext XXXX stated that he needed to have an attorney to call them the balance is only like {$100.00}, for one thing, it's against the law to call a consumer an leave a message on a cell phone I can sue them for that. I called back the number she told me to call and a guy answered and was very rude to me saying this a fortune 500 hundred company and they do not practice unlawful tactics I asked for a supervisor and he got very rude so I advised him that I would report them to the CFPB. I know my rights as a consumer once the supervisor got on the line she would not give me his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: BB&T CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

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 2018-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good Evening, and how are you doing. On XX/XX/XXXX. I tired to Unfreeze my credit report with Equifax online, and I went through a ID verification, and because it was Sunday, i had to wait, for Monday XX/XX/XXXX to call and be verified over the phone. I called On Sunday XX/XX/XXXX and Monday XX/XX/XXXX at XXXX & XXXX & XXXX. I talked to agents, which okay during the phone conversations, and it took a turn, which became rude and was anxious of getting of the phone. I went through the ID verification, and It has been 2 days, which i can not get my credit file unfrozen. This has been an ongoing issue for me, I have unfrozen my credit file, through them, and it turned out to be still frozen, when a creditor, when to pull my credit file. This has become an ongoing Hassle with Equifax on this Security Freeze and the problem is getting worse. I even tried to reset my password, and i mean ain't nothing working at all. i need to get my file unfrozen. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MI
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:
I was affected by the Consumer reporting agency data breach. I did not consent to anything and my privacy was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company by the name of XXXX provided an insurance rating software. The product was/is named " XXXX ''. 

For " years '' they would not apply my payments to the invoices that were the oldest despite my request both in writing, email and by phone. 

Then, on or about XXXX I contacted a marketing representative by the name of XXXX XXXX of XXXX about switching over to a different version of the rater. The product was called " XXXX XXXX ''. 

After trying to use the product XXXX XXXX I cancelled the subscription. 

Then, I received pages of invoices for the XXXX rater and for the XXXX XXXX. There errors were still wrong. 

No were did he stated I would be locked into a year subscription. I had been with XXXX and the prior owner of XXXX for over 20 years. 

Then, today I get a letter from an attorney stating I owe {$1300.00} plus ... I called and explained that I did not disagree that I owe some money but they need to get the errors correct. He then sent me a second email for nearly three times the amount and threatned my credit. 

The way XXXX  structured and applied payments make me look badly. I am going to make payments for the months that I owe XXXX and the one or two for the XXXX XXXX. 

They are being abusive because I went to a competitor XXXX rater. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Update : XXXX took XXXX small action to address the Identity Theft related hard inquiries on my report. XXXX XXXX  TRANSUNION FAILED TO TAKE ANY ACTION WHATSOEVER. 




I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. XXXX, XXXX, Transunion and their executive branch, the Consumer Data Industry XXXX XXXX which XXXX them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an XXXX XXXX which is exactly what they are - a XXXX XXXX. How the XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least XXXX or XXXX times across the XXXX plus XXXX. This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous XXXX XXXX. WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or XXXX. I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. Then, the XXXX refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. This XXXX XXXX  must be SHUT DOWN!!

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 2020-10-20
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
Consumer service card holder had the loadable only credit/debit card stolen and or lost on reported date XX/XX/2020. 
This is a PNC XXXX cash card account. 

In question is the financial institution as well as the associates of intentional fraud regarding the account. The card at this point is reported in use for criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Debit card was stolen from my home in XXXX NJ and has been missing since XXXX XXXX. Any activity is fraud since that 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 monetary relief
Consumer complaint received 2021-02-26
Company: Consumer Adjustment Company Incorporated
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a text message to my cell phone from a company called CACi saying that they are a debt collector. They want me to reply to receive my account information which I don't want to do in case it's a scammer. I think that if a debt collector is using a method of texting people instead of sending letters or calling them, they may be in violation of the FDCPA as it's harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have ordered a new chime card now several times and have not received my card now this is the 3rd time i order a card and it has not been delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: VA
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 account balance is a result of identity theft. I have communicated this with the creditor and they refuse to remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After reviewing my account it appears that I have made {$5800.00} in payments to Exeter finance. The original amount financed was {$10000.00} my current balance is showing {$10000.00} today. There must be some mistake. A customer made {$5800.00} in payments and the loan decreased {$950.00}. Should I contact the FTC or the attorney general? How many other customers have experienced this type of " lending ''? You will be happy to know that not all of your customers are poor. Some can actually hire an attorney. Please correct my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been trying to stay 1 month ahead on my Capital One credit card but they keep charging me a {$25.00} late fee. On XX/XX/2018, they told me that I can't pay ahead because they apply the 2nd payment to the same statement for the month that I had already paid. So, the following month, they charged me a {$25.00} late fee even though I had paid for that month. They told me that all credit card companies do the same. 
Maybe they all need to be investigated and forced to refund those charges to consumers. Just because they all do it doesn't make it legal or ethical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-20
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: Information belongs to someone else

Complaint:
EQUIFAX IS CONTINUING TO REPORT MULTIPLE ACCOUNTS THAT WERE PREVIOUSLY DELETED DUE TO IDENTITY THEFT. AFTER SOMEGOW MERGING MY PROFILE THESE ACCOUNTS RETURNED AND HAVE NOT BEEN DELETED DESPITE MY SUBMISSION OF ALL NECESSARY DOCUMENTATION INCLUDING POLICE REPORTS AND AFFIDAVITS. THESE NEGATIVE ACCOUNTS SHOULD BE DELETED AND/OR BLOCKED IMMEDIATELY.

Company response to consumer: Closed with explanation