BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: MD
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had my identity stolen. I have the letter from the attorney General that was sent out. This is a problem I've been dealing with for years. It is extremely difficult to find all the people they've used my information with. These are not my accounts and need to be removed from my credit. I've called and made disputes. I've been unsuccessful uploading my documents XXXX XXXX. This is effecting my livelihood. It is effecting my ability to run my business.

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 2023-11-14
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I received an email alert of activity related to my credit from XXXX showing a debt collection opened on XX/XX/2023 for {$38000.00} from Columbia Debt Recovery posted to my Experion Credit report. I didn't see this alert until the next day XX/XX/2023 when I checked and read my emails. On that same day, XX/XX/2023 I received another email from MyIDCare showing a debt collection for {$38000.00} from Genesis Credit Management LLC posted to my XXXX Credit report. On XX/XX/2023 I received another email from XXXX showing a debt collection opened on XX/XX/2023 for {$38000.00} posted to my XXXX Credit report. I also received an Account Notification from XXXX of a new account opened in my name by Genesis Credit Management for {$38000.00} on XX/XX/2023. These two companies are connected as a XXXX, neither one has contacted me regarding this collection as required prior to reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2020-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
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 filed a complaint about a collection on my account I don't recognize. I asked for copies of the charges related to this collection. I understand I had a card with XXXX XXXX, but I do not recognize this/these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX, a young, XXXX, and naive XXXX year old signed a few private student loans through Sallie Mae ( now Navient )  for a GRAPHIC DESIGN degree. That XXXX year old was me. One of the loans I signed was for {$33000.00} at 10 % interest rate ( that should be criminal that they let me do that ). From XXXX to XXXX I went through a series of forbearances and deferments to avoid paying the loan because I couldn't afford too. In XXXX I ran out of ways to defer the payments. This is when I went on a rate reduction program through Navient. I was only able to go on this program because I complained through CFPB ( so, thank you for that ). Once I got on the program ( through Navient ) I was good to go. They reduced my interest rate down to 1 % ( my balance was almost $ XXXX ) reducing the rate to 1 % was perfect. It lowered my payment down to {$700.00} a month AND money was actually going toward my principal, which was great. Fast forward to today. They apparently initiated something to where my rate is now 5 % and it's interest only. So, I'm getting no where with paying down my loan and paying close to {$900.00} a month. The payment is too much and I need some of that payment to go toward principal. I tried talking to someone at Navient about it but they stated they weren't able to do anything. AND that amount it going to keep going up every 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-24
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BSI i called them several times and spoke to a manager also i have written them, BSI stated that they will call me back over month ago no response.

I told them I did not apply from the company and the address in XXXX yes not belongs to me. I live at NJ and works at XXXX NJ.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, and XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

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 2023-08-07
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
On Saturday, XX/XX/XXXX I withdrew {$14000.00} in the form of a cashier 's check for the purpose of paying a deposit for my wedding venue with the intended recipient being the owner said venue ( XXXX XXXX XXXX ). I placed the check in a sealed envelope in a public USPS mailbox near my house in XXXX on the corner of XXXX and XXXX XXXX on Sunday, XX/XX/XXXX ( the next day ). I was informed about a week later that the check never made it to the intended recipient, and after contacting PNC, learned that it had been fraudulently cashed or deposited by XXXX XXXX  on Monday, XX/XX/XXXX with the recipient as " XXXX XXXX ''. It was concluded that it had been stolen from the public mailbox and forged with a new recipient name. 

I had a case opened by PNC 's fraud department and was assigned a case worker : Case worker : XXXX XXXX Case number : XXXX Reference number : XXXX Dispute number : XXXX We were instructed to sign an affidavit with the receipt from the cashier 's check attached, which we signed and mailed on XX/XX/XXXX. We were assured that we'd get our money back, and informed that typical turnaround for cases like this was up to 120 days. I reached out several times over the next few months with no meaningful update. I filed a complaint against PNC with the Office of the Comptroller of the Currency, and promptly received an update in early XXXX that PNC had contacted XXXX XXXX to confirm the fraudulent activity, to which they had heard no response. 

In the 5 months since this update, we have reached back out to PNC at least 5 times to learn that there had still been no response from XXXX XXXX  to their request for confirmation of fraud. I have tried to contact XXXX  's fraud department, but was unable to get very far without a contact number or case worker. We were told by a representative at XXXX 's fraud department that it is incredibly unusual for a case like this to take this long. 

I have written to the Office of the Comptroller of the Currency to reopen the case against PNC and to file a new complaint against XXXX. I contacted PNC again and learned today ( XX/XX/XXXX ), that they plan to reach out to XXXX  once again. It has now been 1 year since this unfortunate event, and there has been no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I ATTENDED XXXX XXXX XXXX IN XXXX XXXX THE SCHOOL WAS NOT ACREDITED AND THE SCHOOL WAS A SCAM AND TRICKED STUDENTS TO TAKE THESE LOANS OUT PUTTING THEM IN DEBT FOR YEARS TO COME TAKEING THERE TAXES AND GARNISHING WAGES .IN XXXX A LAWSUIT HAS BEEN IN PLACE

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 2022-08-11
Company: EQUIFAX, INC.
State: MD
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 have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: DISCOVER BANK
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a home equity on XX/XX/2018 and received the loan on XX/XX/2018. On XX/XX/2018 I was issued a closing disclosure that stated no prepayment penalty on the loan. Now I have learned there is a prepayment penalty on the loan. If I knew this upfront on the closing disclosure I would have never closed. Because of this bait and switch, I was forced to close on a loan with different attributes than on the closing disclosure. I would like all interest paid returned and the prepayment fee waived and allow me to pay of the loan without penalty as on the closing disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have received four letters from Cash App with Cash App cards for accounts opened that I did not request. I do not have any accounts with Cash App and don't want any. I called the number on their website which seems to be a scam because they would not close the accounts over the phone and instead through e-mail wanted me to download a screen capture program to upload pictures of the front and back of the Cash App cards that I received in the mail. I have read that downloading the screen capture program gives scammers access to my computer or phone. I did not download the program or send them pictures. I believe scammers are opening accounts in my name to scam me or others. Based on XXXX searches, I have read that Cash App only has customer service through their app, but I don't want to install their app and create an account with them. I just want the fraudulent accounts closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My Experian, XXXX and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, Broken Arrow, OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my Experian, XXXX and XXXX credit reports.

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 2019-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Multiple Dispute Letters were sent out, also last one sent out was a 60 day letter to Experian and XXXX. They received the last letter XX/XX/2019. I asked them multiple times to verify and delete derogatory item. Please advise. 


Thank You

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 2021-02-04
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
please refer to the following ticket XXXX This ticket was closed, however, it should not of been closed. 
I received a phone msg that I could barely make out on XX/XX/21 from XXXX XXXX ( office of the president ) indicating there was resolution to my case and a letter was sent. The msg was very muffled and I could only here a few words, however, she did indicated that I could call her direct and provided her phone and extension number for questions. I went to the websit to review the letter and while I'm appreciative of the {$400.00} credit. The issue is that i was charged {$2000.00} in interest and continue to get charged over $ 150 monthly for interest. This is an absorbent amount to sustain and I will never get out from under. I understand why this took place, however, I've had good standing credit, pay my bills timely and this bill was set up to pay in full over an 18 month period. Non the less, I've talked to 5 people ( managers ) at Synchrony and now XXXX and basically I'm in the same situation. The letter indicated that I could call XXXX XXXX at XXXX, ext XXXX. I have called daily, several times a day since XX/XX/21 and her voice mail box is full. I suspect this is another game that Synchrony plays as they want to hid behind a letter and make it look like they are helping, however, don't allow for a face to face conversation around the subject. i continually get their side of the story, however, no one listens to me, the customer who has an excellent credit rating and pays bills on time. My ask is that the high % rate monthly is stopped immediacy as this isn't helping the situation and for a live phone call to take place with resolution. This matter needs to be resolved vs hiding behind a letter. I'm very disappointed in the process thus far. Thank you.

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 2023-02-18
Company: WELLS FARGO & COMPANY
State: NY
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:
Ive tried contacting the companys but I get no answer.

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 2020-01-16
Company: Midwest Recovery Systems
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 became aware of fraudulent activity against my credit through my membership in XXXX XXXX , through XXXX XXXX . Two CRAs, XXXX  and XXXX are listing 2 separate attempts from Midwest Recovery Systems,XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX lists the original debt as from XXXX, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information. 
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 an inquiry that I did not give permission for

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