BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
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:
My information has been hacked or obtained someway and now when I checked my credit in process of buying a home I have a bunch of accounts showing that I do not recognize. Please help me get this matter resolved and to clarify it with the credit bureaus to get these fraudulent accounts off. 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 2020-05-05
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$440.00} XXXX   XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: NY
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 requested an investigation on XX/XX/XXXX in regards to my account with XXXX XXXX Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs XX/XX/XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/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 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a XXXX XXXX XXXX. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Bank of America. Bank of America has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Bank of America. They received it certified mail and signed off on XX/XX/2021, at XXXX. As they have violated me as a XXXX XXXX XXXX. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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 2017-11-25
Company: BARCLAYS BANK DELAWARE
State: IL
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:
account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the account.

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 2019-04-22
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:
In late XX/XX/XXXX, I suspected my credit report from Equifax was mixed with another person 's file. I tried to access my credit report online, but I did not recognize most of the identification questions ( I believe those are records from that person ). To fix this issue, I requested the credit report by mail in early XX/XX/XXXX. 

I received my credit report on XX/XX/XXXX. The credit report only contains two accounts, one of which does not belong to me. I tried to submit an online dispute, but again, Equifax requested me to answer identification questions about the accounts that I did not open and are not shown on the credit report. 

I lived in XXXX from XX/XX/XXXX to XX/XX/XXXX, and moved to United States in XX/XX/XXXX. I suspect Equifax XXXX mixes my credit report and Equifax US is using those information. However, I am not able to request my credit report from Equifax XXXX now, since 1. I am not living in XXXX, and 2. my XXXX IDs expired. 

I've called Equifax in Early XX/XX/XXXX to address this issue, but they claimed they can not fix it because they can't identify me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
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 status incorrect

Complaint:
The account below is no longer active and should have been removed from credit report. 

XXXX XXXX Last reported XXXX XXXX, 2020 {$32000.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Navient Solutions, LLC.
State: OH
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 called Navient to ask for a PAY OFF BALANCE. I was talking to Navient. They indicated a false balance and said I was eligible to just pay 4 lump sum payments and have the rest forgiven. I followed their procedure, made 2 of the 4 payments, then receive a letter from the US Dept of Education with correct balance information and how this company enrolled my into a Income driven IDR consolidation that is incomplete. The company that serviced the consolidation is a fraud entity called XXXX XXXX XXXX XXXX, XXXX. I call them to get an email of the contract they set up with me. They digitally put my signature on a contract that I would have never signed. The language is beyond misleading and does not make sense. I call them, they reiterate false information about how the balance will be forgiven. I tell them to cancel. I call my bank to cancel my debit card. I am now seeking to be placed on the class action lawsuit. I have lost {$1400.00} from this misleading information process. I wanted to pay off my balance, and trusted the agent in what she was telling me. The phone call took place in XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account has been experiencing unauthorized withdrawals and I addressed it with my bank months ago! I then submitted a complaint with theCFPB, so they sent me a letter and asked me to call them. When I called them, they said they had seen where I reported the unauthorized charges and then they said they would have to review the account and that I would have to wait for 3-5 business days before they make a decision.

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: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I asked Venmo to freeze my account with them as I was out of the country and couldn't readily access it, which they did on XX/XX/2022. I then asked them to unfreeze the account on XX/XX/2022, which they said they would look into within 6-7 business days. I sent a separate request for unfreezing my account on XX/XX/2022, finally getting a response on XX/XX/2022. I was asked to upload a picture of government issued ID, and a picture of me holding it. I uploaded a photo of my passport and selfies of me holding it on XX/XX/2022, which was rejected. I find it incredulous that a passport -- arguably one of the most secure forms of ID issued by state or federal government -- could be rejected. I have since sent a photo of my driver 's license, but this is just ridiculous, and arguably unsafe for me to keep transmitting photos of my IDs all in the name of keeping me safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX  
My OCWEN acct number is XXXX & XXXX This house I purchased XX/XX/XXXX when I was not making money but I was approved to buy a house and without any down payment or cost fee I was sold a house that also was structural damaged has foundation problems at that time as a buyer I was not protected by the law it wasnt require to bring and engineer or an inspector to approved the loan base in the condition of the house. Now that Im in the other side I want to sell it and now there is more protections for the buyers. I need help Im begging for help and I really hope I can get some help. For more then 12 yeas I have paying 2 mortgages one with 10% and the other one almost 8% I need you to help me to put it only in one loan and make it affordable to pay the mortgage we are a low income family trying to make it. Now with my wife ill Im the only income. Help us please I beg you. I really want to avoid foreclosure and ocwen doesnt work with us.

Sent from my XXXX

Sent from my XXXX

On XX/XX/XXXX, at XXXX XXXX, CFPB  wrote:

CFPB Header 

Your complaint has been sent to the company.

XX/XX/XXXX
Hello,
Thank you for your complaint XXXX about OCWEN. We've sent your complaint to the company for their response.
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint.
You should receive a status update within the next 15 days.
The complaint process involves 6 steps. Step 1 is complaint submitted. Step 2 is review and route. Step 3 is company review and response. Step 4 is complaint closed and published. Step 5 is consumer reviews response. Step 6 is analyze and report. Step 2: Review and Route is currently selected.
Summary of your complaint
Complaint number: XXXX
Date submitted to CFPB: XX/XX/XXXX
Date sent to company: XX/XX/XXXX
Product: Mortgage
Issue: Struggling to pay mortgage

What happens next?
Here's what will happen during the next 15 to 60 days:
The company has 15 days to respond and up to 60 days to provide a final response.
You can keep up to date by logging in to your Consumer Portal at https://portal.consumerfinance.gov/consumer or calling us at (XXXX) XXXX.

Thank you,
Consumer Financial Protection Bureau
consumerfinance.gov
(XXXX) XXXX XXXX XXXX
More about our complaint process: consumerfinance.gov/complaint/ or call (XXXX) XXXX
For legal assistance visit the Legal Services Corporation website: lsc.gov
Additional financial information and resources: consumerfinance.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as ofXX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I began going to school part time in XX/XX/XXXX. At that moment, Nelnet decided to put my loan payments in deferment. They did this without my consent and only attempted to contact me through their messaging system. I noticed and began repaying these loans in XX/XX/XXXX, but I had allowed 7 months of extra interest accrue. In XX/XX/XXXX, my total loan amount was {$32000.00}, by XX/XX/XXXX it had grown to XXXX due to the interest on my loans. If I had continued on my regularly scheduled payment plan by XX/XX/XXXX my balance should have been around {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
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:
This account with XXXX XXXX should be reported by transunion as a paid charge off in comments. Settled and paid account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: Wolcott Rivers Gates, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection firm filed against me in two separate venues, both of which I do not live in. Back in XX/XX/XXXX I was told that i had an upcoming court date, they were rude. Cussed at me. Would not give me any information. They continued to send items to an address I have never lived at. The address was my fathers, whom i do not speak to often. They are claiming to have served me at that address ( per court website ), received judgment on the matter. They have never served me personally. I now have a judgment against me, because i just happened to look myself up on the court website. Never knew about this court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to opened a debit and check account and i received a letter that says they need a soft inquiry of 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
Consumer complaint received 2021-05-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items reporting on my credit report. It has been well over 30 days I haven't receive an investigation results.

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 2020-07-25
Company: Experian Information Solutions Inc.
State: MN
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:
Today I write the FCPB due to the malice and misconduct that I've had to endure within my genuinely-approached encounter in having disputed the inaccurate information that remains on my impact-holding credit report, for which I have furnished and provided evidence against. 

It seems unbelievable to have engaged a scenario, where I encountered invalid, inaccurate, and false information on my credit report, and proceeded in a proper manner to take the justified measures to have it resolved ; contacting the Credit Bureau, with direct, clear, insightful evidence that proves the inaccuracy and falsehood that lives on my credit account. In my reality, what is to be unbelievable, is how this case, where I discovered and disputed information that was found to be damaging, with evidence against it, received a response from this said giant, this corporation, that delivered their stance at the disregard of the evidence that invalidated the inaccurate fields that they hosted on my account and its invalid account standing. The official response was to proceed in up hosting and upkeeping the false, harmful, and inaccurate data that the evidence clarified discrepancy against. At this response, it was where all sense of voice, protection, righteousness, safety, and foundation that I believed a human held, and I as a genuine victim, held, was removed. 

Its conclusion is one that is still affecting me today, internally. It is one that made me experience a sense of reality that held no righteousness, honesty, truth, morality, or level of safety. Encountering a corporation that nefariously felt too large to go against, yet, in an infrastructure that my heart knew to be democratic and American. 

Having endured this is where I write you : Consumer Finance Protection Bureau. 

The information that is being disputed as inaccurate is highlighted and organized in the evidence and document attached below. 

XXXX : The 'High Balance ' in my account negatively, and falsely, shows {$500.00}. The evidence shows this account to have never reached a balance anywhere near {$500.00}, never exceeding ~ {$210.00}. This being only one of the numeral inaccurate information that lives on the account, it shows just how large of an impact an inaccurate report can have on you. With this, and to those who are aware, it expresses the extent and the harshness of how this one inaccuracy, this one false field, can negatively impact a person and their credit profile, in manners that are damaging and detrimental. A credit file that reaches or exceeds the limit set on their credit account receives heavy, and long-standing penalty as a result of this.

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 2021-04-30
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
No I didnt not so can you close it end for me please.. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX XXXX Netspend prepaid MasterCard XXXX XXXX XXXX XXXX XX/XX/25 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 2020-07-26
Company: Experian Information Solutions Inc.
State: NC
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:
There are some inaccurate accounts and other info on 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
Consumer complaint received 2022-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i had long XXXX. I applied for a modification. After full submission. I was told that i had a previous modification. All i asked for was to put the payments to the rear, They said they had to lower the payments. I will lose my home f i cant do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
On XX/XX/2020, I realized by the time I got off work that I had lost my debit card and that there was a transaction of a temporary credit adjustment to my account of {$2100.00}. I was at work the entire day of XX/XX/XXXX. I then logged onto my online banking app and saw that there were various amounts of money taken out of my account at local XXXX 's around town. One transaction was {$300.00}, another was {$500.00} and the final amount was {$1100.00}. I then canceled my debit card, ordered a new one, and changed my pin to ensure my safety. I then proceeded to call about trying to get the dispute off of my account just so no further actions could be done. My bank then proceeded to cancel the claim and start a new one with further investigation. I since then have sent a FAX of my clock in and clock out times at work on the day of XX/XX/XXXX so that they can see that the time those transactions were made, I was however at work and could not have made them. I am currently going to go to the local XXXX 's and request camera footage of the person who used my card so that I can further speed up the process and get all of the negative dispute out of my account.

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