BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an alert XXXX/XXXX/18 about a change in my credit report, a collection account had been added/opened. I had no idea what or why this came completely out of the blue. I called XXXX XXXX XXXX XXXX ( Listed as the creditor on the report ) on XXXX. Got the run around, requested proof of what they are claiming. Original creditor listed as XXXXXXXX XXXX I have had XXXX XXXX the past 6 years and am not aware of owing anything. Enhanced was unhelpful and rude when I called, this is clearly a scam to extort money holding your credit score XXXX. I have sent a letter to them demanding proof and requesting this be removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Navient Solutions, LLC.
State: OK
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:
Payment made XXXX 2015 was not credited to my account. Upon providing documentation of the payment clearing my bank account, Navient disclosed that they issued a check refund to another individual with the same name but a different mailing address ( the address has never been my address ; no relationship to the person they issued payment to ). Navient refused to either correctly credit my account or issue me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-03
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: Investigation took more than 30 days

Complaint:
US Bankruptcy court has placed negative item on credit file. Bankruptcy was discharged in XX/XX/XXXX, not XX/XX/XXXX Bankruptcy has been re-aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent XXXX dollars through PayPal to the WRONG email address. It was a send money to friend transaction and as soon as I realized it was a mistaken email address, ( 5 minutes or so ) I tried to cancel the transaction and it didnt have the option. I called PayPal and they said to file a dispute and contact the person it was sent to. Ive sent her a couple emails asking her to cancel it or refund it to me and I havent heard back. Shes a  complete stranger and I dont know how else to get ahold of her other than email. I need the money to be sent back to me from her as it is not meant for her. PayPal isnt helping at all and I dont know what to do after filing a dispute with ic3.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX 2006, I took out a XXXX fixed rate mortgage @ 7 % upon getting divorced and having to refinance. That loan was sold to Ocwen Loan Servicing company. I have never missed a payment but was trapped in this mortgage due to the housing market collapse, and resulting loss of equity and inability to refinance. Ocwen did not offer any options and it was impossible to get a real person to answer the phone. I eventually noticed that my principle did not seem to be declining at a rate that I expected, and asked for an amortization schedule. They finally provided this after many months, but he schedule showed that the loan would have a {$200000.00} balance after 30 years of payments. When I tried to contact them about something being wrong with the mortgage principle pay down, I never received any response. 

I am currently trying to sell my house. After over 11 years of payments, they show on my statement that I still have a XXXX principle balanceI checked several amortization calculators, and they all indicate that o should have closer to {$350000.00} principle balance. I called them today but could not get to talk to a real person about this. The person I did get in touch with said that I had to write this all up and fax it to a number! I dont have access to a fax! I will have to write it up and go to a XXXX office or something. Plus, they said it would take 10 days or more, an do have no confidence they will even respond in that time frame, and I have an offer on the table for my house, which I need to decide upon based on the payout.

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 2017-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have received numerous calls from XXXX. The caller leaves a message representing themselves as Bank of America collections department and requesting that I return the call. I have returned the call and when I do the automated voice asks for an account number or social security number to verify whom they will be talking to. Since I have no Idea why they are calling since I have no delinquent debts, I certainly do n't know of an account number to give. AND I certainly will NOT give my social security number to someone " claiming '' to be from Bank of America. The call back number the party gives is XXXX. I believe this is a scam because I have called Bank of America and asked the operator if she heard of this XXXX number and her reply was no. then I asked if there was any problem will any of my accounts. The reply was NO problem. 

Thanks for a reply of an explanation.

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 2021-04-15
Company: EQUIFAX, INC.
State: ME
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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: Investigation took more than 30 days

Complaint:
Department of Education continues to increase payments on credit file. Currently enrolled in XXXX XXXX XXXX XXXX XXXX. Account is currently in Forbearance. Made several Attempts to resolve with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX year old son has been receiving credit card offers from Capital One for the past four months. I called in XX/XX/XXXXto report it when it first happened and was told that his information would be deleted from their database. 

I then received, yet another one in XX/XX/XXXX. I commented about it on their XXXX page that my son kept being solicited, despite them assuring me that they would be removing his personal information from their database. 

Then it happened, yet again, at the end of XX/XX/XXXX. I contacted them, yet again, on social media. They wanted a photo of it and I sent it, again. They told me, again, that the information would be removed. 

Today, XX/XX/XXXX, he received another credit card offer. I made another negative comment about it on social media and received another stupid response via XXXX asking if it was for a car loan?! 

EVERY SINGLE ONE OF THE CUSTOMER SERVICE REPS STATED THAT THEY " REMOVED HIS INFORMATION '' BUT ( CLEARLY ) THEY WERE ALL WAS A LYING. 

I honestly do n't even know how they got my minor child 's personal information but I want it deleted, NOW. What else am I supposed to do to have them stop sending him credit card solicitations? The kid is XXXX!! 

How did they even get his information??!! And why ca n't they remove it since he is a minor and I am requesting it over and over and over and over again?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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: Old information reappears or never goes away

Complaint:
XXXX sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update sinceXX/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 2019-11-03
Company: EQUIFAX, INC.
State: DE
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:
XXXX continues to furnished paid improper information on credit file. Continue to reach out to company regarding item on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
So, I am one of the millions affected by the Equifax credit reporting breach that occurred in XX/XX/XXXX and XX/XX/XXXX. I tried to start a Credit Freeze with all three credit reporting agencies and found that since XXXX and XXXX did not have a breach I need to pay {$10.00} to each for a Credit Freeze. I believe this should be free to consumers where a company is making money on our data when one of the three in the monopolistic industry has a breach. The alternative is to have the company experiencing the breach to pay for all of the freezes, the latter alternative is my suggestion. 

Once I was able to enact a Credit Report Freeze on Equifax, it has taken me from XX/XX/XXXX, to XX/XX/XXXX to put a temporary lift on that freeze using the Equifax  website. There are no CUSTOMER SERVICE NUMBERS clearly visible, I have tried every number on their site to speak to a representative. It is impossible to do business with this company when they maintain all of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Basically I applied for a refinance auto loan, was told one thing by a bank official who later on withdrew her promise of approving the loan. This took place XX/XX/XXXX and ended today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: NV
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:
As I've gone through the accounts that are displayed on my credit I've noticed unusual activity and an ample closed accounts that aren't. Please remove these items from my credit report immediately, for they are items of identity theft, they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: Navient Solutions, LLC.
State: NY
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:
When I first graduated from XXXX XXXX XXXX XXXX in XX/XX/2015, I applied for the Get On Your Feet NYS Program. In order to qualify, your salary has to be under {$50000.00} a year. I met all other criteria by going to high school and college in NYS and graduated within two years. 

Navient was reporting to the NYS Get On Your Feet Program that I made double the salary I actually do so that I would not qualify. When I called several times to speak with Navient they always denied that they told NYS incorrect information. 

I am now a few years out of school and feel I lost thousands of dollars I could have saved if Navient told NYS Program my correct salary. 

I have attatched the email from NYS program where it stated I made {$80000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The CRA is reporting false information about a XXXX XXXX account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX sent me this notification in XX/XX/XXXX that they filed an update for her account to the credit reporting agencies.This update reported Ms. XXXX account as settled in full as of XX/XX/XXXX, removing any and all negative reporting from XX/XX/XXXX through XX/XX/XXXX. Please be advised that the credit reporting agencies follow their own policies for updating credit reports and it may take a few days for this update to reflect on her credit report. 

As of XX/XX/XXXX that has yet to happen. My credit report is still showing this company on my report and it is still showing that it hasn't been update since 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 non-monetary relief
Consumer complaint received 2019-11-03
Company: BARCLAYS BANK DELAWARE
State: MT
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:
This was the result of identity theft ; I can't recall ever submitting information to this company. 
Please remove immediately : BARCLAYS BANK DELAWARE Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE 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 2019-05-12
Company: Phoenix Financial Services LLC
State: WV
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 contacted Phoenix financial services about inaccuracies on my credit report. I have two accounts one totaling {$830.00} and the other {$190.00}. XXXX found inaccuracies on both accounts and they were deleted. XXXX deleted the account totaling {$190.00} but Im currently under dispute with the account totaling {$830.00}. I disputed the accounts with XXXX and on or around XX/XX/19 the accounts was removed from XXXX  please see attached picture. On XX/XX/19 I checked my credit report and both accounts were back on XXXX. Its the law that a credit bureau has to give 5 days notice that theyre adding something back on my file and I didnt receive anything and have since redisputed these with XXXX  on XX/XX/19. The representative had no answer to why. I have asked phoenix financial to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Under law phoenix financial is responsible to communicate to all credit bureaus of the inaccuracies and delete items. Its leaving me no option than to start the litigation process if this isnt corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: AMERICAN HONDA FINANCE CORP
State: DE
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 have a loan with Honda Financial Services. I set up and auto-pay online. I assumed all was well until I received notification that my account was delinquent. They never emailed me on this matter even thought they do have my email address. They said they called but never reached me. The moment I found out about this I rectified the issue. Now my credit report shows a 30 day delinquency even thought their website failed to process my auto-pay. I have a 30 year credit history with no delinquencies. I would like this resolved due to the error on their side and their lack of contacting me to give me a chance to resolve the problem prior to going to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an fraudulent account on my credit report from XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sent in to transunion to remove inquiries that arent mine! They are as follows XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 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 2019-11-03
Company: Alacrity Collections Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I placed an online order with XXXX  XXXX XXXX on XX/XX/XXXX, with delivery scheduled ( via the tool on their website ) on XX/XX/XXXX. Every item I ordered was clearly marked as In Stock and Ready to Ship. My order did not ship on XXXX. I contacted the company over and over, and was repeatedly promised shipping dates that came and went. 

Finally, on XX/XX/XXXX, I notified them that theyve missed too many deadlines and directed them to cancel the order. On XX/XX/XXXX, I received an email saying that they were shipping my order. I replied within 11 minutes that the order had already been canceled. On the same day, I received an email from XXXX XXXX from XXXX XXXX XXXX, apologizing for this unfortunate situation and assuring me that she would contact XXXX to have the order returned. Per XXXX, the order was returned back to the company on XX/XX/XXXX. Now 6 months later, they've fraudulently sent the account to collections ( a total of {$1000.00} ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation