BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: Collection Information Bureau, 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:
Still reporting on my credit and has not been removed. Comments on XXXX  XXXX for XXXX states its in dispute but still has not been taken off. What is the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously disputed debt on multiple occasions and requested information regarding the validation of this debt.which I never received only a statement with payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$690.00} XXXX XXXX {$11000.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
- - ______XXXX  XXXX XXXX XXXX XXXX _____ XXXX XXXX VA XXXX - date : XX/XX/2020 _____FORMAL Complaint about Experian the credit bureau and its involved decision makers to stop and cease their retaliation, discrimination and abuse against an American Taxpayer - -. 
on XX/XX/2020 and as of today XX/XX/2020 Experian blocked me from accessing my free annual credit report by adding restrictive discriminatory condition against me specifically. i have many proofs that support the fact that I was subjected again to retaliatory adverse actions from Experian. -- -- -- -- -Experian is the only credit bureau allowing and participating in causing the damage of my financial reputation. Experian is causing me severe emotional distress. Experian impeded my ability to review my credit report and therefore anything negative in my report with any damages that caused against me is the full legal responsibility and liability of Experian. 
-- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - there is no excuse to justify that restriction ( the website called it condition by Experian only ) put in place by Experian against me. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- Experian and its involved decision makers must stop their retaliation and they must pay huge legal consequences for their illegal acts against an American taxpayer XXXX XXXX. " CFPB '' shall investigate Experian ' unlawful practices reported to " CFPB '' several times in the past 4 years until now. -As a reference Experian credit report XXXX was one from previous year before year 2020 which had several incorrect information that Experian insisted to  keep it in my file within this credit bureau named Experian . Experian intent to damage my financial reputation is a fact proven by the fact of the damages already Experian caused against mu person. - Please note : Experian response or non-response to this legal complaint will be used against Experian and its involved decision makers at any time and in a court of law. -. - All stated herein is to XXXX XXXX current states belief, knowledge and understanding and it is subject to any correction or change of any kind at any time and only by XXXX XXXX and/or his legal representative if any and without waiving his rights under any circumstances. digitally Signed and Filed today XX/XX/2020 within CFPB by 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 2017-11-22
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:
On or around XXXX 2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the XXXX XXXX  representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit 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 2019-05-02
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, my wife and I purchased this property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was purchased by EverBank a short time later. In XX/XX/XXXX, I contacted EverBank to inform them that I was seeking to give the property to the bank in a " deed in lieu '' process ( my loan was current at this time ). The Bank assigned XXXX XXXX to handle my request. I sent all the documentation requested. On XX/XX/XXXX XXXX notified me that my application was complete. On XX/XX/XXXX, I received an " Initial Eligibility Letter '' from EverBank/XXXX. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three " judgments ''. These " judgments '' are not mine ; and I have purchased and sold over thirty properties without these " judgments '' being an issue. On XX/XX/XXXX, I received another letter from EverBank stating that my application was complete. On XX/XX/XXXX, I was notified by ( new acquirer ) TIAA Bank, that again these " judgments '' are an issue. On XX/XX/XXXX, I received a Demand letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( law firm ) notifying me of the {$98000.00} balance and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX. and he promised that he would clear up the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On or around XX/XX/XXXX2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the Best Buy representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.

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 2021-09-15
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/2021 I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XX/XX/2021. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.

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 2020-11-12
Company: REGIONS FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is regarding my XXXX XXXX XXXX  XXXX account. I have tried multiple times via telephone and email to request account closure and return of deposit unsuccesfully. On XX/XX/XXXX, XX/XX/XXXX and XXXX I called requesting that my account be closed. The representative informed me that he needed to transfer me to another department. After being on hold for over 10. minutes ( all three times ), I was told that " nobody was available at that particular time, if I would like a call-back ''. I never received a call back in all instances. I was them provided a survey to which I completed based on my experience and the situation. On XX/XX/XXXX I was contacted by " XXXX '' via email from " Executive Response '' who wanted to follow-up on my survey. Also on XX/XX/XXXX I replied back and explained the situtation in detail along with making my request again. I never received a reply back. This is in regards to account # 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 monetary relief
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My wife attempted to make a minimum payment, @ {$300.00}, using the Costco CitiBank credit card app. on her phone, but for some unknown reason their app. submitted a full balance due payment for @ {$8000.00} which we did not have in our account. So, the payment did not process and the credit card company put a " hold '' on our account. This 6-month " hold '' has created the following problems with our account : 1. Prevents my wife from using her bank account to make payments 2. Prevents immediate payment credit as before when making payments from our checking account 3. According to their customer service department ( XXXX on the Costco Membership Team # XXXX ), this 'hold ' gives them the " right '' to not post any of our payments for up to three weeks after being made and to provide misinformation via their automated system regarding when payments are received, but not stating the payment has not been posted or any advisory regarding the " hold ''. This " hold '' situation is not addressed in any manner in the Costco Membership Agreement or the CitiBank Terms & Condition 's.

4. For example, their automated system stated we made a  {$300.00} payment on XX/XX/XXXX, but that payment was not going to be processed and posted on our account for up to three WEEKS per their customer service department, which is stated by their automated system! Their automated system states they received our {$300.00} payment, but our payment is not reflected in our available balance with no other information provided advising they are holding our payment. This is intentional misinformation regarding the status of our payment.

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 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX,XXXX   XXXX XXXX, VA XXXX (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX 
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX   
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
XXXX XXXX XXXX   #XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, VA XXXX   (XXXX) XXXX 
Placed For Collection: XX/XX/XXXX 
Responsibility: Individual Account 
Account Type: Open Account 
Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX  
Date Updated: XX/XX/XXXX 
Original Amount: $XXXX 
Original Creditor: XXXX XXXX (Medical/Health Care) 
Past Due: $XXXX 
Pay Status: >In Collection< 
Remarks: >PLACED FOR COLLECTION< 
Estimated month and year that this item will be removed: XX/XX/XXXX 
These items were put on  my credit report an they are not mine.

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 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
At some point in either late XXXX or early XXXX, XXXX charges were made on my Visa card. I notified Capital One and they removed the charges, froze my account, and sent me a new card. Within 2 or 3 weeks, I was notified by the same vendor, XXXX   that I had a new purchase on my card. I contacted Capital One again and they did the same. I am asking to have this company blocked from my account, but they do not do that. I froze my account and have been using their service to scramble the account number and the 3-digit code used to buy online products. I received another notice from XXXX today and they had just credited my account for the last charge. This was with the scrambled number and after I froze my account, which I was assured by Capital One would stop ALL charges from going through. I am lost as to what to do with this situation. I do not want to close my account with Capital One, but would love some help with stopping XXXX  from making these fraudulent charges. I do not now, nor have I ever, done business with such a company. I am very careful online and live carefully. None of my other accounts have had this issue. I would love to know how to stop XXXX. They are not available for phone, email or any other contact to me. I am XXXX years old and do not know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: SC
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I should not have. I was not late as I took the payment into the store and paid in person. I don't know why it was put on my account as a late as I went in and paid it before it should have been late. I can only conclude it was an error on their part and was not my fault.

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 2018-03-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I began my college career back in XXXX, being a young mother without a college degree trying to make ends meet I relied on student aide as well as student loans to make my way through college. I graduate with my XXXX in XXXX back in XXXX, since then I have never been able to afford my monthly student loan payment. I have tried for years to get my monthly payments reduced to something more affordable, but Ive never been able to, so Ive been forced to request forbarence after forbarence, thus only added up my interest and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me getting it back and going I am not sure if this is some mistake as I assume it has to be I am not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal guide frequently my email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I submitted an Income Sensitive Repayment Plan form to American Education Services ( A.E.S. ) via a fax and certified mail and I received an email from a XXXX ( a representative of A.E.S stating that the Income Sensitive form form was received on XXXX but as of today my AES account states that my student loan is 5 days past due and this information is being reported to all the credit bureau agencies. Every time I contact A.E.S. I am giving excuses as to why my account has not been updated to reflect my Income Sensitive Repayment Plan. I has told them on numerous occasions that I am and have been unemployed for several years and this Income Sensitive Repayment Plan will keep my acount in good standings and also keep in from going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Lending Club Corp
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021 I received several emails to my personal email from LendingClub bank about a high yield savings account that was opened under my name. I contacted LendingClub bank and a account was opened in my name. I changed all passwords to emails and contacted XXXX to report this fraud. I also contacted LendingClub bank and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Bread Financial Holdings, Inc.
State: CO
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:
Last XXXX my Wayfair store card was converted into a Master Card without my authorization. I only just found the card and realized what was done. How can a company take out a Master Card in my name without my authorization? I was told by Supervisor XXXX, Badge # XXXX, that a letter was sent out but I did not receive one and even if I did, the company still should not have taken a Master Card out without my authorization.

Company response to consumer: Closed with explanation