BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I Disputed items on my credit report that are in accurate. It has been over 45 days and i still have not gotten a Response from the Credit Bureaus. i have also sent a demand to reply letter to the credit bureaus on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
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:
On XX/XX/2021 XX/XX/2021 I sent letters to equifax as well as over the phone contact explaining to equifax that the XXXX consumer Auto loan information reported on my credit profile is fraud or error. I noticed that there report different information from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: SC
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 check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX* DPT ED/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 check my credit report and notice some things that do not belong to me. These accounts are stopping me from getting my dream home. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX US DEPT ED XXXX XXXX US DEPT ED : XXXX DPT ED/XXXX : XXXX DPT ED/XXXX : XXXX XXXX XXXX  XXXX  : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: WELLS FARGO & COMPANY
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:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
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: Account information incorrect

Complaint:
XXXX XXXX REPORTED A 30 DAY LATE ON ALL MY CREDIT REPORTS. XXXX STATED THAT THEY HAVE CORRECTED THIS WITH ALL THREE BUREAUS BUT NOT ONE IS REMOVING IT ( XXXX, EQUIFAX AND XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I 'm submitting a complaint in regards to the status of my XXXX loan forgiveness letter. I submitted the original XXXX loan forgiveness letter in XXXX 2017 to then be told there were errors. I fixed those errors submitted the same letter with the initials on the item that needed to be corrected to then be told a few weeks later that there were additional errors wrong that were not even listed in the first letter. I submitted my application a third time and spoke with a customer service representative who told me that the application looked liked it was filled out correctly and that I should hear within 30 days about the status of my application. I asked for my payments to be deferred. I also asked if I would have a response to my XXXX loan forgiveness prior to my deferment date expiring and she stated yes. However, I have now a past due payment and still have not heard back in regards to the status of my loan application. I would like to know why it is taking so long to review my XXXX loan forgiveness application and what is the status?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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 REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT.WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: NJ
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2021-01-21
Company: VELO LAW OFFICE
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a letter from Velo Law advising : notice of a debt in the amount of {$4800.00} owed to has been placed with this office for collection. 

The notice does not say who is owed, what, when or where. The notice gives a file number, so we tried calling Velo Law to see who this debt is owed to. I was transferred three times. Each of the representatives tried getting personal information from me ; last 4 digits of SS # in order to access my file. I said, you shouldn't have a file on me, so I don't know how that can help. Which would prompt another transfer. When asked where I worked, I said US Courts. With that I was transferred again, this time the call was disconnected. When I tried calling back, no answer. 

I don't know what this could possible be for? I was the victim of an online scam a few years ago. We reported the person to the Michigan AG 's office, possibly this is a result of that? We also reported them to SD and Wyoming AG as we saw several other complaints about this person. Regardless, who in their right mind would fork over {$4800.00} not knowing what it was for. Reported this letter to our SD Attorney General and thought wise to report to FTC as a senior citizen could easily fall victim to something like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I submitted a money transfer from my paypal account. The transfer was supposed to send XXXX to my bank account. My email connected to this paypal account is XXXX. Before I submitted the transfer, I read literature which stated that my transfer would be available in 24 hours. The next day on XX/XX/XXXX, I was surprised that my transfer did not process and was still in paypal 's pending process. After talking to a manager, I was told that my transfer transaction had been placed under security watch to verify if I was the owner of the bank account that 's connect to my paypal account. I pleaded with the manager, telling him that I successfully completed the security verification process weeks prior to this transaction. I explained to paypal that already sent two deposits to my bank account that I had to confirm. I asked if paypal could release the hold on my deposit, yet my request was denied. I was told that my transaction could be on hold for at least a week. I explained how frustrated I was ... that I was expecting to buy XXXX Presents with this transfer ... that my situation is the result of unfair business practices against customers. 

This is n't the first time that I have had this situation with paypal. I have multiple paypal accounts and have had situations like this happen more than several times. I followed all of paypal 's security steps in confirming my bank account ; paypal should not hold my money for " security '' purposes. I feel like paypal continues to constantly bully its customers with no real clear explanation. I am not the only customer who has shared this issue. It seems to be a pattern with paypal. Although they may eventually release my funds to my bank account, it 's still unfair to have made me wait for this unfair process. My money was taken out of my account from paypal, yet it 's no where to found. Thank you for your time and consideration. I hope that this issue can be resolved for all customers who has shared this same experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Clear Debt Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX is contacting my employer and direct supervisor and sharing my information with them. Also, they 're using forceful tactics and also leaving voicemails that are misleading regarding the nature of their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: PNC Bank N.A.
State: TX
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:
XX/XX/XXXX PNC Auto loan opened. 

The car was in an accident that totaled the car. Because of the sale price and small amount down on the car I purchased GAP insurance. The accident occurred early in XX/XX/XXXX and my insurance carrier had paid out their claim before the end of XXXX. I still continued paying on the remaining balance for XX/XX/XXXX and XX/XX/XXXX. I had to fight with ( multiple different representatives ) PNC ( the bank asking for payment ) for the correct documentation that the GAP insurance company required to process the claim on the remaining balance. They would not disclose the documentation required to get the GAP claim processed. By XX/XX/XXXX I finally worked my way up the management chain to an area supervisor that finally sent me the documents necessary for the GAP claim and the balance was paid in full. XXXX was " LATE '' only because PNC would not do their part and again I paid 2 payments in the meantime but couldn't afford to shell out {$440.00} for multiple months for nothing. By the time the money got to PNC the account was closed XXXX by their count initially XXXX in XXXX. After disputing the incident with experian they changed the close date to XXXX but this still cost me -80pts to all 3 bureaus ( give or take a few pts ) which took my lifelong achievement of XXXX Fico down to below XXXX wXX/XX/experian. This is unacceptable. I knew it could take a month or so to sort out but I never thought over 2-3 months and the late payment in XXXX I am still fighting to have wiped from my record. Never again will I do business with PNC. They messed up, they didn't give me the required documentation TO PAY THEM and by the time I finally got it and they apologized to me, AND STILL REPORTED IT LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I received a settlement letter from Navy Federal Credit Union. It stated that if I paid a settlement amount of {$1400.00}, then the debt would be settled. I then went and got a money order for the amount. I went into the Bank and actually paid and got a receipt for the payment. Then on XX/XX/2020, I received a letter from Navy Federal Credit Union demanding the remaining balance and not honoring the settlement agreement that they provided me on XX/XX/2020 for which I paid on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: WA
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 sent in my disputes to all three credit bureaus on XX/XX/XXXX. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XX/XX/XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA

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 2021-11-27
Company: EQUIFAX, 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:
After repeated attempts to dispute accounts that are not valid, both XXXX and Equifaxs who have been hacked or breached, continue to report false information that is having a negative impact on my credit report. I have disputed negative inaccurate information with the companies as well as with each of the major credit reporting bureaus, initiated credit freezes and placed a fraud alert on my account and yet they continue to ignore the fact that the proper actions have been taken. It seems that every time I get my credit report that there is another account that is listed with negative information thereby having a major impact on my credit score. The fact that these two companies, first Equifaxs, and now XXXX have allowed my personal information to be exposed is like a slap in the face because of all of the places that could be hacked these two should be the first ones that are willing to address the issues that I have submitted and be responsible enough to assist me in correcting the information that they allow to be placed on my account without proper verification. There are many inquiries that I have just been made aware of that definitely should not have been allowed to take place especially because I have made them aware of possible fraudulent activity and transactions that have occurred since the Equifax breach in 2017. Because I have not been able to resolve this problem I am filing this complaint with your agency and look forward to seeking help with the next course of action in order to proceed with repairing my credit and securing my personal information so that it remains private from now on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express gift card from my employer on Tuesday XX/XX/23 at XXXXXXXX XXXX worth {$100.00}. 

I tried using it at XXXX and it was declined. Tried again and it was declined. The total amount I was trying to purchase was {$52.00}. The card has {$100.00} on it. I checked my balance on the gift card and it was now {$99.00}. 

I immediately called American Express and the lady apologized and told me the XXXX cents would be put back on my card in 24 hours. 

I woke up this morning and checked the balance and now it was down to {$99.00}. I called American Express again. Second time. The guy apologized and told me to wait 24 hours. Called a third time around noon today and the lady told me to wait 24 hours. Called a fourth time, was told the same thing and finally called a fifth time at XXXX and was told the same thing and now Im messaging you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX or XXXX charges to my account from a loan company illegally charging me. The bank closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: OneMain Finance Corporation
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: Their investigation did not fix an error on your report

Complaint:
CRA :XX/XX/XXXX Issue : Removed a closed positive account from Reporting without passing XX/XX/XXXX year XXXX XX/XX/XXXX. The item was there in the report on XX/XX/XXXX. 

Item : OneMain Financial Opened XX/XX/XXXX and Closed XX/XX/XXXX. 

On XX/XX/XXXX Called XX/XX/XXXX Customer service and the Dispute Department Agent said they didn't delete it and there were no disputes against the item. Asked to call creditor if deleted it. 

XX/XX/XXXX called " OneMain '' Credit Bureau and verified that they didn't send a Deletion. 

XX/XX/XXXX Called back XX/XX/XXXX again and they say they can't add the record back to the credit file. 

Impact : The wrongful deletion caused my Mortgage score to drop 18 point making my ability to Qualify for Mortgage which I need to Close in about 3-weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Bread Financial 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:
Since XX/XX/XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to XXXX. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that XXXX remove this account from my credit report but they continue to disregard my wishes. This account was closed in XX/XX/XXXX and should not be on my report anymore. The creditor reported this account again to XXXX on XX/XX/XXXX due to my dispute did not delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: MS
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/2021, I placed an order for a used XXXX XXXX on Amazon.com. A 3rd party seller called " XXXX XXXX XXXX '' sold me the XXXX for {$420.00} on Amazon.com. On XX/XX/2021, the charge appeared on my Chase credit statement. I received the XXXX in the mail. I played the console for about 2 weeks, and then it refused to power on. I tried different power outlets and held down the power button. The XXXX would not power on. 

I went on Amazon.com and requested a replacement. Amazon.com shows that a replacement order was shipped and was scheduled to arrive by XX/XX/2021. The XXXX never arrived. I contacted XXXX and they reached out to " XXXX XXXX XXXX ''. " XXXX XXXX XXXX '' confirmed that they received the XXXX I sent back. The seller refused to send me a replacement XXXX or issue a refund to my Chase credit account. I contacted Chase Bank to file a claim for a refund. Chase Bank issued me a refund of {$420.00} while they investigated my claim. Then, Chase Bank denied the claim and reversed the {$420.00} refund. I closed the Chase credit account. Now, I don't have a XXXX and {$420.00} is charged to my ( closed ) Chase credit account, the charge will accumulate interest, and the charge will negatively affect my credit score.

Company response to consumer: Closed with explanation