BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: MS
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$530.00} XXXX XXXX {$100.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX {$23000.00} XXXX  XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX  XXXX {$2300.00}

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 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from XXXX ( XXXX  ) and capital one, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I tried to dispute a charge on my credit card statement for {$3.00}. The purchase was for merchandise, not a subscription to anything. Bank of America refuses to take a dispute for 15 days from the " date of cancellation ''. There is no such date because there is no subscription. However, even where there is a subscription I know of nothing in the Fair Credit Billing Act, or any other law, which allows a credit card company to refuse to take a dispute and require a 15 day waiting period.

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 2020-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Date : During the month of XXXX, I contacted SPS Select Portfolio Services twice to modify/Refi my existing Loan, I am already approved for Forbearance. 
I already received a payment plan Letter which says XX/XX/XXXX, I need to pay XXXX for all the months I missed. 
SPS responded that I am under forbearance and could not modify/Refi. 

I asked that my loan could be refi. to a lower Interest rate and they said I have to wait till this period would be over. I am currently paying 4.75 % and current int. rate is about 3.75 % or lower. 

This does not make sense. I should be able to refi./modify to lower my payment. 

When I apply for forbearance, I was told I have a few options in order to come out of forbearance. like modify/Refi. 



.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Beginning in XX/XX/XXXX, I transitioned my federal loans from XXXX to XXXX XXXX to join the public service loan forgiveness program. The transition was completed on XX/XX/XXXX when I received a welcome letter from XXXX XXXX ( attached as XXXX 1 ) At that time I had been enrolled in the REPAYE income-driven repayment plan. 

On XX/XX/XXXX I subsequently received communication from XXXX that my current income-driven repayment plan was ending on XX/XX/XXXX and that unless an application to renew the plan was received within 10 days of XX/XX/XXXX, that my payments would increase to {$0.00} beginning on XX/XX/XXXX ( this letter is also attached as XXXX 2 ). 

On XX/XX/XXXX I received another letter stating that my IDR application must be received by by XX/XX/XXXX. " If we do not receive your application within 10 days of this date, your monthly payment is estimated to be {$3000.00}, first due on XX/XX/XXXX. '' ( attached, XXXX 3 ). 

My IDR request application was submitted on XX/XX/XXXX and approved on XX/XX/XXXX by XXXX, and I received email correspondence from XXXX confirming both events. ( attached XXXX 4 and 5 ). 

I again received correspondence stating that my new payment plan would be XXXX monthly beginning on XX/XX/XXXX. ( attached as XXXX 6 ). 

On XX/XX/XXXX I received, WITHOUT ANY written notification or warning given to me by XXXX or XXXX beforehand, a billing statement from XXXX for {$3000.00} ( attached as XXXX bill ).  This is despite submitting my income-driven repayment plan application while currently being under an active IDR plan ( REPAYE ). 

At this point I attempted multiple phone calls with XXXX customer service and spent upwards of 3 hours between holds, talking to multiple people, before being told that there was nothing that could be done because there had been a lapse in my repayment plan that I was NEVER notified of. The result being that this {$3000.00} payment would now be put into forbearance ( attached, XXXX forbearance ). 

My issue is that I was charged {$3000.00} months before I was told that I would be charged this amount, with my IDR application submitted, received, and approved well within the time window established to me by XXXX in order to avoid such a charge. The result is a massive payment of my loans which is now in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a vehicle that was repossessed by XXXX XXXX XXXX XXXX in the State of TEXAS on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of TEXAS UCC 9.614 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I have a reported balance of {$9800.00} showing on all three of the credit bureaus. I was never provided with copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. I have reached out to all three of the credit bureaus as well as XXXX XXXX for proof of the resale of the vehicle and have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
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:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory 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.

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 2018-07-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1st complaint : HSBC sent me a credit card that I hadn't applied for. I've spent over five hours on hold with HSBC in an attempt to report the ID Theft and ensure that the card has been coded as such and for them to remove any related reports from my credit reports. I wasn't able to get a person on the phone until today and then they refused to connect me to the department that handles fraud/Id Theft and refused to provide me with an address or fax number for me to send a police report and affidavit to report the ID Theft. The associate said that she can not assist me that I will have to be placed on a " lengthy hold '' to speak with someone who could assist me. I told them of my 5 hours of hold times and frustration to report the Id theft and they said they couldn't assist me. I asked for their manager and they refused. I advised that I am filing a formal complaint against HSBC and the associate wasn't concerned and they placed me on hold.
2nd complaint : After I formally communicated and provided proof of my victim status as a victim of ID Theft to HSBC and having received HSBC 's acknowledgement of the receipt of the unauthorized application that they've " Denied the application '', HSBC has now communicated to me that they approved the application and are reporting it to my credit reports. Since I've received this information from HSBC I contacted them and requested a fax and or address to resend the police report and FTC Affidavit for them to investigate and resolve the issue and the associate refused to assist me or transfer me to someone who could assist me. I advised them that I am filing a complaint against them and the associate placed me on hold until I discontinued the call because they failed to pick the line back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XX/XX/2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.

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 2020-11-02
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
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: Account status incorrect

Complaint:
Carhop sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XXXX 2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-02
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: Public record information inaccurate

Complaint:
I went through a dispute process with Experian credit beauru because I filed bankruptcy chapter XXXX back on XXXX/XXXX/2014. I consulted with a n attorney that advised i can dispute and have it taken off my credit since it have been 7 years and it is discharged. Experian denied/refused my request and I am still unclear the reason why. I know people personally did same process and it was removed from their credit reporting. This needs to be looked at again. Thank you. I am not allow to dispute again and ask for more information which is not fair to me or any consumer out there.

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 2021-12-03
Company: John C. Heath, Attorney at Law, PLLC
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 will not help me any way someone tried to open an account using my name and information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I currently Have 6 accounts with fed loans in which they said I had late payments more than 120 days. This was caused by my email being hacked in which I only had emails sent to XXXX and that was during the data breach. i was late but would have paid as you can look at my history. We are trying to buy a home and have a very ill daughter and if these do not get removed off of my credit, we will not be able to move our family into a home. I have been more than fair paying off my debt even during these horrible times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
An application was pulled in my name for over 7 different companies and I contacted the companies and credit bureau to inform them of my identity been stolen but XX/XX/XXXX has not removed the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: GA
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 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. 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 Company Inquiries : 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 explanation
Consumer complaint received 2018-07-13
Company: Alorica Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

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 2020-11-02
Company: SYNCHRONY FINANCIAL
State: GA
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:
Fraudulent inquiries showing on my XX/XX/XXXX credit report. I have contact XX/XX/XXXX directly and informed them w/ also providing evidence and the inquiries have not been removed. 

XX/XX/XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX SYNCB/PayPal date of inquiry XX/XX/XXXX XXXX XXXX  XXXX XXXX date of inquiry XX/XX/XXXX XXXX XXXX XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX date of inquiry XX/XX/XXXX XX/XX/XXXX date of inquiry 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 2020-05-14
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/20- XXXX XXXX  {$3000.00} I had direct deposits on Monday XX/XX/XXXX of about {$4000.00} for my unemployment in MN, {$400.00} and tried to withdraw more money and received a messwger " you reached {$1000.00} daily limit '', the next day Tuesday XXXX XXXX i made a purchase for {$350.00} but was still unable to withdraw funds. On Wed XX/XX/XXXX i still could n't take money out atm so I XXXX Cash Ap   support and found website ** https : //cashappcustomerservice.com/ ** And on the website was a # XXXX and when I called they told me they needed to verify my Cash Ap account to lift withdraw limits. I was then told to open support on Cash Ap then download an ap called " Quick Support '' from XXXX XXXX then " add on-XXXX '' both aps logos containing a white circle with blue horizontal arrows. After i downloaded the aps they told me to turn off security lock from settings ( part of verification process ) they then had remote access over my Cash Ap, i watched on my phone as they toggled settings. They linked a XXXX  XXXX XXXX account then assured it was Cash Aps bank and part of verification process. He told me I'd be getting a new cash ap card and daily limits would be removed. They told me to hold on then i eventually called that number back XXXX and it was a Text Now #. I tried to log back into my Cash Ap with phone number and was having to type name as if a new account. I used my email and logged in, my phone number XXXX | XXXX | XXXX were all deleted from my account and there was an odd mixture of # 's and letters for email which i didnt have time to write because i was hurrying to reconnect my information before i lost account. I went to email and saw that all {$3000.00} had been deposited into a XXXX   XXXX XXXX account and that a card ending with XXXX had been disconnected ( the thief 's card most likely ) i contacted Cash App immediately via support and XXXX, ( case # : XXXX ) I went to the XXXX police station on XXXX XXXX XXXX and I called The FBI - XXXX office. My money was stolen, ( {$3000.00} ) please have it returned to $ XXXX, i have my email and phone reconnected and enabled security lock on my account again so I'm not worried about another theft. Please resolve this issue as soon as possible, this was all the money I have. Thank you - XXXX " XXXX XXXX '' XXXX

Company response to consumer: Closed with explanation