BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: 2288984 Ontario Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
During the application process I was sent a link to access my checking account information. I ask the customer service representative what the purpose of accessing my account was, to which she replied " it's to verify that your checking account is active. '' she put me on a brief hold and return to the phone asking if my check was partially deposited into this account and the rest deposited elsewhere. Based on this questioning, I knew that she had accessed my account, without my consent or knowledge. This happened on XX/XX/2018 at approximately XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off in XXXX due to covid 19 and i am on unemployment, my wife is working but doesn't make enough to pay the mortgage payment. both my unemployment and her pay is not enough to pay my mortgage. we requested forbearance but mortgage company rejected and asked to make 3 months payment or they will foreclose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
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:
I am extremely upset! I was looking at my credit yesterday morning and I saw an account that was not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My car just broke down and i cant even get a new car because of this problem! Please help me and investigate this outrageous problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Navient Solutions, LLC.
State: CA
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 trying to remove two loan amounts, listed below, from a school I DID NOT attend from my account. and receive reimbursement for any payments that have been made to Navient. 

XX/XX/XXXX XXXX XXXX - Unsubsidized {$9400.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT  Disbursement Date XX/XX/XXXX Original Principal {$9400.00} XX/XX/XXXX XXXX XXXX - Subsidized {$13000.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$13000.00} XX/XX/XXXX Logged into Navient   Student loan account to review status of repayment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Graduated XXXX ). Noticed there was a Disbursement of {$22000.00} on XX/XX/XXXX from XXXX University ( I did NOT attend XXXX in XXXX ). 

XX/XX/XXXX Called and Emailed XXXX University regarding Incorrect disbursement. Spoke with XXXX XXXX / Collection Specialist. " I have a Balance of {$0.00} from XX/XX/XXXX ( See attached ). I had all loans cancelled XX/XX/XXXX as I was enrolled through the employee assistance program at the time and was laid off after my first week of attendance involuntarily. '' I was advised by XXXX to contact National Loan Student Data System ( NSLDS ). 

XX/XX/XXXX XXXX University XXXX XXXX / Collection Specialist recommended I speak with the Registrars office at XXXX option 4 & 6 or the AR department at ext XXXX Regarding loan corrections. 

XX/XX/XXXX I contacted the National Loan Student Data System ( NSLDS ) with my issue and received a Complaint Case Number XXXX. 

XX/XX/XXXX Called Navient to have XXXX University loan removed from my account as It was not correct, I did not attend XXXX, nor take out a loan of {$22000.00}. Was advised to contact their internal Investigative line for loans at ( XXXX ) XXXX. Was net with a mailbox where I recorded my issues as there was no person to answer. I have not received a call back. 

XX/XX/XXXX Called Navient back and was advised to visit the Borrower Defense to Repayment website for Federal Student aid at https : //studentaid.ed.gov to file a claim. 

XX/XX/XXXX Contacted XXXX through XXXX XXXX to have my Identity reviewed for Fraudulent activity at ( XXXX ) XXXX. 

XX/XX/XXXX Removed Auto-pay from Navient and contacted Consumer Financial Protection Bureau again to file a second claim regarding this issue as I have not yet have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: American Coradius International LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Letter from collection co. Stated I owed a debt from original creditor XXXX, contacted XXXX and I dont have nor never had an account with them therefor noting is owed, this is a fraudulent scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
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:
There was no sub category listed for this complaint so this may be in the wrong category. My complaint is against Transunion. I had a fraudulent debt with XXXX XXXX XXXX that was being reported on my Transunion credit report. Transunion knew the debt was fraudulent but still allowed it to be reported. They were sued and had to pay XXXX XXXX dollars a few years ago for doing this same thing to someone else. Transunion finally removed this fraudulent debt from my credit report. Before Transunion removed this fraudulent debt my credit score was XXXX after they removed it my credit score increased by 2 points. I had a collections account removed from my credit report for the amount of {$800.00} and my credit score only increased by 2 points not likely. Transunion is keeping my credit score low deliberately to retaliate against me for exposing their fraudulent and illegal behavior. Transunion is aiding and abetting in a crime. I reported this crime to the Illinois state Attorney Generals Office and now Transunion is retaliating. In Florida where I live a debt collector has to be licensed in the state of Florida in order to collect a debt in Florida. If they are not licensed and try to collect the debt then its a crime that the Florida Attorney Generals office has authority to pursue legal action against the company rather they are located in Florid or not. Transunion is allowing XXXX XXXX XXXX XXXX to commit a crime and use Transunions platform to further this crime. XXXX XXXX XXXX XXXX is not a licensed consumer debt collector in the state of Florida and they are committing a crime by trying to collect a debt from me. Transunion is aware of this crime but still chooses to allow XXXX XXXX XXXX XXXX to use their ( Transunions ) platform to in furtherance of this crime. I reported this illegal activity to the Illinois Attorney Generals Office and now Transunion is retaliating against me.

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 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my debit account for nothing. I received an XXXX report, which showed the reason : " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. '' I was shocked by the bank 's stuff 's disposition to a client and the level of their competency. A man, named XXXX XXXX owed me money and issued checks. I just tried to deposit them to my debit account XXXX. I do not know what happened after that, but BoA closed my account. What " unauthorized or prohibited '' did I do? During a year I accurately maintained a credit and recently debit accounts. I never committed overdrafts and what I have now? BoA, instead of helping a client to overcome a situation, possibly created by a third party contributes a fake information about me to a consumer reporting agency, making me, a client, a victim. It is unfair business practice.

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 2021-11-17
Company: PNC Bank N.A.
State: NJ
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:
In XXXX I opened a checking account at PNC Bank. I added another person to my account in XXXX of XXXX. The proper papers were signed, scanned and are on file with PNC Bank. In XXXX I inquired about how to add my son to the account, but I was told that the other person on the account would have to be present to sign papers. At that point, I decided not to add my son to my account. In XXXX of XXXX, he was added to my account with no authorization.. 

In XX/XX/XXXX, my bank account was levied by a collection agency trying to collect a debt owed by my son. On XX/XX/XXXX my son attended online court with proof that none of the money in the account was his. He showed my paystubs with matching deposits. The judge ruled in his favor and the levy was lifted. 

In XX/XX/XXXX, my account was levied again by the same collection agency. I didn't get the necessary paperwork to the court on time, so on XX/XX/XXXX, my money was taken from my account ( {$750.00} ). 

Since my son is on my account without any authorization, and none of the money taken from my account was his, I would like PNC to refund my money and remove my son from my account. 


Attached PDF includes : Page 1 - copy of my federal tax return Page 2 - copy of my state tax return Page 4 - copy of my bank statement showing deposits of tax returns and first stimulus check Page 5 - bank statement showing deposit of my second stimulus check.

Page 6-8 - bank statements showing no further deposits Page 9 - bank statement showing {$750.00} taken from my account on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, INC.
State: MN
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 was able to get my credit report from both XXXX and XXXX. What I saw was that there was an incorrect address and phone number from both that I was able to dispute online. The experience for both was great. Equifax was an entirely different experience. I tried to create an online dispute with Equifax due to the incorrect address and phone number I saw on the other credit reports. I was unable to do so and told to call in. I tried to call. Their voice response unit ( VRU ) seemed unnecessarily complex and intended to get consumers to give up. I authenticated and was the told they were closed and they hung up on me. I then tried to request my credit report online through Equifax. I again authenticated. I was then told my credit report could not be shared online. Equifax has gone out of their way to prevent me from seeing what information they have on me. It has been my experience they are intentionally preventing me from seeing my credit report. I am sure they will say that I could fill out a paper form and send it in, but that defeats the purpose of authenticating online. For whatever reason, the experience with Equifax is significantly worse than the other bureaus. I wish I could prevent them from having any information about me. Its not fair to me that I have no choice in Equifax collecting information about me and then being unwilling to share my information with me. I have no issue with the other two credit bureaus. Equifax appears to be intentionally preventing me from seeing what information theyve collected on me.

I wish the United States government gave me the ability to control who had access to my information. I would prevent companies from being able to share any of my personal information with Equifax. I had never  thought about this before, but its a shame I have no control over my own information. Why a publicly traded company has access to all my financial data is beyond me. Based on their past security issues, and that they appear to be going out of their way to hide what information about me they have, I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. DPT EDXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There ere also several inquiries as well : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Account status incorrect

Complaint:
on XX/XX/XXXX I sent in a goodwill request for an adjustment on 1 late payment from XXXX of XXXX. XXXX XXXX did not honor my request which is fine however they then falsely added on another late payment stating it was from XXXX of XXXX. I believe they did this out of spite because I have been requesting a goodwill adjustment for months. This is inaccurate and I have the credit reports to prove this was not on my report 1 month ago.

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 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.

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 2019-02-06
Company: CITIBANK, N.A.
State: GA
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:
In XX/XX/2018, I used my credit card for a cruise payment and was not given what I paid for ; proof was provided. I received a smaller room and none of the accommodations listed in my agreement were provided. XXXX XXXX apologized and gave me a letter stating their mistake and the mishap. I provided this with Citi Best Buy, my credit card company, and they held out the dispute more than 60 days and stated the merchant never responded to the investigation ; therefore, I was not a protected consumer. Per their credit card protection agreement, they decided to selectively change the policy only for me, as the manager, XXXX, stated, and went on to say they had no way to recoup their money so it's back in my hands. That is absurd and definitely illegal. Also, after speaking with 7 representatives and managers, each gave me a different account of my experience, account of events and changing policies based on the customer. I have been given the run around about a resolution and was told I made people angry there ; therefore, it would not go in my favor.

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 2020-11-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
At the end of XXXX, I received a physical letter and searched online. The welcome bonus offer was the same ( Earn {$300.00} back after spend {$1000.00} in purchase on new card in the first 3 months. ) So I applied online. However, after I made the goal and waiting for 2 months without receiving the offer, I tried to contact their customer service, and the answer I got was the offer was {$250.00}, not {$300.00}. I provided the application screenshots to them. Unfortunately, on XX/XX/XXXX, they only gave {$250.00}. This is not the same as the advertisement promotion. I think its unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
USbank, with whom I have my current mortgage at almost 5 % rate, sent me emails saying I could refinance with them for a better rate. I responded, and asked for a 15 year refinance at XXXX by the time I got a loan officer, somehow, I was talked into a 30 year at a higher rate. After 6 months, fulfilling all document requests, having an appraisal, and paying fees and making a {$350.00} improvement to the home ( to add a railing where none was really needed ) I was denied the refinance. They based the denial on my outstanding credit, which was the same throughout the period of my attempt to refinance. I feel that they knew, from the beginning, that I was not a good candidate but they put me through the process anyway. Now I am out roughly XXXX dollars, and, no refinance.

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 2021-05-10
Company: Foris DAX, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I'm using this crypto.com app and it say make a card. I did already for a good while but never have I received a copy

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 2020-10-11
Company: Paypal Holdings, Inc
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been unable to contact Paypal for assistance, I have submitted document to get account limitations listed which prevents the withdrawal of funds and other actions as requested. There has been no response. The hold advised by paypal is due to unusual activity in which there has been no unusual activity, there is over {$600.00} also on hold in the business account deposited for XXXX sells settlement, XXXX has advised that funds were released and I am able to have access to such funds. Paypal has account limited as well as all funds on hold without communicating with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it 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