BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
I am a consumer by law and this is not sent in error. my credit report is reporting misleading false information that is causing financial stress on my life. These items are being reported without my consent.

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 2021-03-31
Company: ENOVA INTERNATIONAL, INC.
State: GA
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:
Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by NETCREDIT ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I called Trans Union LLC on XX/XX/2019 to request their company remove 13 inquiries that were re-inserted to my report by their company. I called them to inform them of their error, but they unfortunately refused to help me resolve this issue despite the fact that this error originated with their company.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: LA
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXE, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries MXXXX XXXX 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 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are many mistakes appear in my report without my understanding.

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 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from a XXXX XXXX of XXXX XXXX XXXX with an address to a P.O. Box in XXXX XXXX, TX. The number they called from was XXXX. They claimed that I owed money on a Household Bank account from 2004. I asked them to send me the information on a letter head to my email in which they did. I told them I had settled an account from this bank previously I believed I no longer had an outstanding account. I told them I would call them back after I went through my files and called the bank. I called Capital One who had obtained Household years prior. They were able to look up all accounts using my Social Security number. They had found one previous account that I had satisfied years prior. The account number XXXX XXXX XXXX has told me and put in their letter was an account number that was never held by me. I called XXXX XXXX XXXX back to tell them they were mistaken. They insisted I needed to pay them today or it would have long lasting damage to my credit. I asked them for a physical address hitch they would not provide. I asked them if they could give me more information on how they obtained my information or my apparent delinquent account in which he told me he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Good Afternoon, I am filing a complaint against Navient. My student loans have fallen behind due to covid and financial difficulties. In their attempts to collect on this debt they constantly call my family, friends, references, in an attempt to both locate me and pressure me to pay money I dont have. ON XX/XX/XXXX I called them and told them specifically that they could not contact my family or friends. they had my contact information and address and knew where and how to find me. they continue to call my family leaving information that is private and personal in regards to my status with Navient and I desperately ask the CFPB to help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: AES/PHEAA
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive been directly working on building my credit and have worked directly with XXXX XXXX to have every months debt paid prior to due date. Since XX/XX/XXXX, every single month Ive received notices that Im late on my payments. For the months of XXXX and XX/XX/XXXX I paid with XXXX in the amounts of XXXX each. Both were considered lost. It isnt easy to track these transactions. Repeatingly I call with the concern chasing my transactions down. They were able to locate the payments and apply them to my account. As a corrective action I started Bill Pay through my bank. My bank writes out a check ever month on the XXXX of every month to be sent out on the XXXX. This ensures 8 days for XXXX to receive the payment and apply it to my account. Since XXXX for every month I considered late for non payment. Then Im told I stand a chance of bad credit reporting by the automotive system. Then Im made to send proof to XXXX XXXX of my payments. All different forms of validation is used each month. I have clear record of check payments and of stubs to show proof of payments. After making these payments the last thing I need is to receive a text or email stating that I havent paid my bill. Then after ensuring my bank made a payment to call and be asked to take further steps to prove my payments. So for the months of XXXX and XXXX and XX/XX/XXXX I was forced to show proof of payments, also XXXX and now XX/XX/XXXX Im being told that those payment is not yet received. For every month this is a problem Im forced to have a brain vessel burst to prove what should be a very easy task. I have requested for two months now once in XX/XX/XXXX and in XX/XX/XXXX to have a copy of detailed payment history. I have not received a copy of payment history. In my opinion for a person that is trying to actually do the right thing, Im being heavily harassed. As this happened Im drawn away from work, my family and just a piece of mind. There has to be some sort of final fix to this issue. I was told I could set up automatic bill pay where I allow them to take amount due from my checking account. I dont feel comfortable with that form of payment. The bill pay option my bank offers is just as good. They get paid like clockwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi Bank of America accuse me of owning them {$570.00} which I told them this might be due to identity theft which the ssn they have on file is different than my ssn number

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 2019-03-04
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19 I mailed out a letter requesting verification and it has been past that timeframe and nothing was mailed in response to me for this debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020 I filed a dispute with TransUnion over an erroneous listing of bankruptcy filing on my credit report. I contacted my mortgage company and XXXX XXXX XXXX immediately when I found that they had mistakenly moved my accounts into their bankruptcy departments.. The person filing for bankruptcy has the same name and the same last XXXX digits of their SSN as I but whose full SSN and state of residence are different. 
I was told by both companies that the error would be immediately corrected. They both withdraw my standard monthly payments in early XXXX and unfroze my accounts. 
Despite this, TransUnion is reporting in its completed investigative report that my XXXX account is in bankruptcy based upon XXXX 's last update on XX/XX/2020. When I called XXXX XXXX XXXX when I received the report on XX/XX/2020, the company stated that they had updated the correct information on XX/XX/2020. On XX/XX/2020 ( same day ), I called TransUnion with the file/control # that XXXX provides to TransUnion that reflects updated credit information but TransUnion claimed they could not make any changes.

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 2018-10-08
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Paypal is a money transmitter. I have used PayPal for years with many clients who may for my services. I am a XXXX XXXX and XXXX. Today, in the process of receiving money from XXXX, a customer of mine, who has paid me using PayPal 12 times in the last year, I received and email that said this payment will be on hold for 21 days. 

I believe that PayPal is broken. I talked to their support people this afternoon, I was on the phone for over an hour with long periods of waiting. In speaking with two people, they did not have a resolution and could not offer an explanation. The last PayPal person said I should contact XXXX and have him click the transaction and confirm it. So I did that after the call. There was zero change - no removal of the HOLD status on this transaction. How many other people suffer from PayPals broken processes?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter from a debt collection company that I owed XXXX to XXXX XXXX.I called the collection company on XX/XX/2021 to let them know that I had never had a contract with XXXX XXXX and that I did not owe money to XXXX XXXX.The conversation did not focus on whether I owed money to XXXX XXXX but made me feel like I was trying to commit some sort of fraud. At that point I ended our phone call.

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 2021-02-24
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Due to covid-19 I was unemployed and called all of my creditors to go into a forbearance if possible. Most of the creditors agreed and I called every creditor ( see attached for proof XXXX every month to update on employment statues and extend forbearance. Citi Loan and XXXX Credit card were 2 of the creditors that I am having an issue with in regards to reporting delinquencies on my credit report. I was never notified, by phone, email or mail about my accounts being delinquent, even though I called both creditors every month during my forbearance. During a pandemic like we are currently in you would think there would be more communication and sympathy ... .I would have paid whatever needed to be paid to bring my account current. I specifically asked what I needed to pay if anything. I spoke to customer service for both creditors about this and they said there is nothing they can do once it's reported to the credit bureaus. This is very frustrating, as I am still unemployed had to bring all my accounts into a hardship agreement, which already disrupted my credit, and now these delinquencies are not making it easier for 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 2019-06-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I APPLIED ONLINE FOR THE " XXXX XXXX  XXXX '' CREDIT CARD, WITH A $ {$99.00} ANNUAL FEE. I HAD A FOLLOW UP PHONE CALL WITH BARCLAYS BANK WHEN THE FEMALE CUSTOMER SERVICE AGENT RAN MY CREDIT REPORT WHILE I WAS ON THE PHONE, RESULT WAS XXXX, SHE IMMEDIATELY APPROVED ME FOR A CARD, {$25000.00} CREDIT LIMIT. I ASKED IF WE CAN LOWER THAT TO {$5000.00}, SINCE I AM GETTING THE CARD FOR THE XXXX  XXXX XXXX  BENEFITS, SHE AGREED AND LOWERED IT. I RECEIVED IN THE MAIL A " XXXX   XXXX '' CARD, NOT THE " PLUS '' CARD, WHICH DOES NOT HAVE MANY JET BLUE AIRLINE BENEFITS ASSOCIATED WITH IT. I HAVE MADE NUMEROUS ATTEMPTS WITH BARLCAYS BANK TO RECTIFY THIS ISSUE, THEY CLAIM I APPLIED FOR THE JET BLUE CARD, AND NOT THE JET BLUE PLUS CARD, WHICH IS NOT TRUE AT ALL. I AM TOLD I WOULD HAVE TO REAPPLY, AND HAVE MY CREDIT RAN ONCE AGAIN, WHICH IN TURN WILL LOWER MY IMPECCABLE CREDIT SCORE. SO, NOW I HAVE A CREDIT CARD THAT I NEVER APPLIED 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
Consumer complaint received 2021-04-27
Company: F.H. Cann & Associates, Inc.
State: IL
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:
FH McCann Att XXXX XXXX XXXX XXXX XXXX has been harassing me by calling my workplace after being asked not to. This has gone on for years. Please help, they are seriously damaging my work reputation, telling anyone information they should never be allowed to. 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: AL
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 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 2021-03-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS IS NOT A DUPLICATE!!! 

XXXX XXXX XXXX never provide me with a HIPAA XXXXelease form, when they tried to validate the medical debt. which is a HIPAA violation!

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 2021-08-07
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: Their investigation did not fix an error on your report

Complaint:
Equifax did not investigate the compliance issue stated in my letters. I was not verifying or validating any accounts. My letters demanded deletions due to your agency reporting accounts that would be result of being authorized or approved from a credit card based on The Congress ' definition of a credit card. Equifax also did not rebut my sworn and notarized affidavit that was mailed and received on XX/XX/2021. Affidavits are to be either rebutted with an affidavit or they are confirmed as judgement, therefore, my demands are to be met on the letter. You are also out of compliance since XXXX met my demands. All consumer reporting agencies are to have the same information if the accounts are the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
This is not a 3rd party! Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. Please review attachments!

In fact, this account Date of Activity is different on all 3 consumer reporting agencies. So, not only is this account a violation but its also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have been requesting mortgage assistance for months with Wells Fargo Home Mortgage. My mortgage is a line of credit, the interest rate is changing and terms of the loan. I went to Wells Fargo XXXX TN to finance the purchase of my home. 
Wells Fargo representative did a line of credit on my home, instead of a 30year mortgage that I requested. I trusted Wells Fargo but all they have set me up to loose my home.I did not know or understand the mortgage that was on my home. I have been infected by Covid-19 and Wells Fargo still has not assisted me with mortgage assistance request. Wells Fargo Bank has entered into a federal consent order for XXXX XXXX TN XXXX, TN for ethical and discriminatory practices with their mortgage lending. I know I'm also a victim of their lending practices

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