BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice a debt collection on my credit report for some kind of medical service and I haven't received any mail from the original creditor, first of all I haven't go to the doctor in over 6 months the account has been opened recently and the service provider is located in a different state since I couldn't find one with that name near me, I call the creditor twice first time no one answered, my second attempt finally spoke with someone about it and I requested a verification letter and name address and state license number but they couldn't provide me with one at the time, there having me call at a later time,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: KEYCORP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint XXXX - XXXX XXXX XXXX XXXX v Key bank Loan I have many times complained on this account Key Bank misses paying my Homeowners Insurance in my escrow account and the Key bank person handling this matter, XXXX XXXX, started off apologizing saying it was an introvert-ant error and now it has revolved into I have to contact and address by mail. This is a stalling tactic for bad service. 

Other customers get to call an 800 number and are serviced like I have been serviced before in which money has been wired into my Insurance account.

I guess this is retaliation for my complaints. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This response is with regard to Complaint # XXXX My name is XXXX XXXX. I had thru XX/XX/2018 to provide a feedback to Compass Banks response. Unfortunately I messed it up and sent a feedback that was completely blank. I am sending this feedback via the attached file. I hope it is accepted and the case remains open. 

My email address is XXXX and I may be reached at ( XXXX ) XXXX. 

I would appreciate an acknowledgement. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called XXXX XXXX who gets it from Pacer or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with XXXX XXXX. I have placed a freeze on my XXXX XXXX information as well, but yet they still claim to have verified it as being accurate.

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 2021-01-28
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID XXXX  OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT TO FEDERAL AGENCIES I XXXX  VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/XXXX addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/XXXX. 
For the sixth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous five illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity?

We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again.

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: LDF Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have hired XXXX to help me to get this taken care and they are not wiling to work with me or them they keep calling me after I told them not to call me at the number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have reached out to this company to do a proper investigation of everything on my credit report and they did and stated everything was accurate. However, I did a thorough research and i found improper inaccuracies on my credit report even after they did a research on my credit report. 

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****** Department of ED XXXX XXXX XXXX XXXX ********* XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC1681 section 604 A Section 2 : It also states a consumer reporting agency cany furnish an account with my written instructions Here is a kicker : 15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES The consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. 

It is to the law understanding that a late payment is a transaction and credit utilization is an experience information on your credit report when the law clearly states that its not included on a consumer 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 2020-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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 placed an online order for an item that was not available in the store as a XXXX gift. I needed to exchange the item for a different size. I contacted the company via online chat on XXXX to ask how to go about exchanging the item. I was advised by the representative to place a new order for the item in the correct size and she would issue a refund on her end for the original order. I asked what to do with the original item, and was advised to donate or discard it. I was advised the credit would appear within 7 days. When the credit had not appeared by XXXX ( 12 days later ), I called and spoke to a representative who apologized the credit wasn't posted, and advised she would escalate the request and the refund should appear within 7 days. When the credit had not appeared by XXXX ( 8 days later ), I called again. I explained what had happened and asked to speak to a supervisor. I was dumped into a voicemail system. I called again and immediately asked to speak to a supervisor. Instead of transferring the call, the representative kept badgering me for additional information. When he finally transferred the call, the supervisor I spoke to again told me I would have to wait 7 days. I advised this was the 3rd time i had been advised to " wait 7 days '' and still my problem was not resolved and i needed to speak to someone that could assist me today. I was transferred again. The next supervisor i spoke to stated due to the original purchase being in multiple tenders ( kohls account and kohls cash ) it was taking additional time to correct. I was advised that the refund was processed on XXXX and would appear on my account in, you guessed it, 7 days. Well, here it is XXXX ( 8 days later ), and STILL NO CREDIT ON MY ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20
Company: AES/PHEAA
State: NC
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:
On XX/XX/2020 I submitted a request to change my payment due date from XX/XX/2020 to XX/XX/2020. I received an automated message that my claim would be process within 10 business days. I received correspondence that my new due date would be the XXXX of each month. However, in the Fedloan Servicing System, I noticed that I still was receiving a message that my monthly payment was still due on XX/XX/XXXX. I called on or around, XX/XX/XXXX to confirm that my new due date was the XXXX. The representative I spoke to assured me that my new due date was the XXXX and advised me to ignore the late message. After I received a two days past due message, I called Fedloan Servicing on XX/XX/XXXX to confirm, and was told by a different representative that the information that I was given by the former employee was incorrect. As such, I was forced to make the payment to avoid have negative information reported on my credit, despite requesting a timely due date change and despite being given incorrect information by the first representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Chime Financial Inc
State: NY
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:
I've Purchased A Business Premium Unlimited Plan From XXXX On XX/XX/XXXX For {$170.00} Which Supposed To Have Included The Automatic Upgrade To Modalyst Start Up Plan Free Of Charge. However, I Was Charged {$37.00} Each Month For The Months XX/XX/XXXX For XXXX, XX/XX/XXXX {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00}, XX/XX/XXXX For {$37.00} And XX/XX/XXXX For {$37.00}. XXXX Was Refunded On XX/XX/XXXX For {$37.00} Which Leaves A Balance Of {$260.00}. However, On XX/XX/XXXX Only 2 Out Of 7 Was Charged Back To A Non Working Card Ending in XXXX. I Was Told By XXXX Representative That They've Only Received The 2 Charge Back Requests From Chime Bank And I've Submitted All Of The Requested Charge Backs On One Submission To Chime And XXXX. I Need Assistance In Escalating My Claim Please. My Report XXXX XXXX XXXX FTC Is # XXXX. My Bank Is Trying To Assist Me In Getting My Refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Revolving balance previously {$570.00} at 9.99 % was moved to higher rate of 23.07 %, after charge of {$740.00} was charged at higher rate on XX/XX/XXXX18.  However, this charge of {$740.00} was also paid in full on XX/XX/XXXX18, in additional to and above minimum payment of {$27.00} ( totaling {$95.00} - paid XX/XX/XXXX and XX/XX/XXXX ). Was told we paid the higher rate balance too soon ... and should have  waited for billing statement to generate so system could apply it at higher rate. Advised that is not what the CARD ACT states. If I charge {$740.00} and then pay in full the entire amount the same month or in this case weeks later, the revolving balance should not be moved to higher rate. We should not have been penalized for paying ( a higher charge balance ) too soon. Seeking to have funds applied as intended and as CARD ACT states, payments should have been applied to higher balance first. At this point, payment application needs to be reversed and reapplied to higher rate first, regardless of when " statement generate '' date is. There is no exception for a " statement generate date '' in Card ACT and doesn't appear to have been the intention of same. Which means many others are also being negatively impacted by this systematic error in programming done by Capital One/Cabela 's

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I just received notice that my existing CFPB Complaint # XXXX is closed and XXXX XXXX XXXX has still continued to report erroneous ratings to Experian for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received notice from Chase bank that my credit card interest rate could go up to 29.99 % if I make a late payment. The US mail has been running slow and other issues could occur due to Covid that might cause a late payment. This interest fee is high, very high like a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: PENTAGON FEDERAL CREDIT UNION
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: Old information reappears or never goes away

Complaint:
Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new credit

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 2020-05-30
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been sending and receiving money thru paypal for a long time and decided I would just use them as my bank so I deposited XXXX into paypal and I was going to take a trip and had someone that was going to set it up for me so I sent them XXXX and tried to send more several ways but paypal kept turning it down and then they ask for all kinds of id which I sent to them and then they said I was doing fraudelent activity and closed my account and kept my money and said t hey were going to keep for 180 days and I tried to tell themn that was every XXXX I had and had transferred it from my own personal bank account and they refuse to even listen and just send me automated messages when send them messages and you can not talk to a live person at all. now they sent me a message saying they had refunded XXXX to someone and that someone had closed their paypal account and I ask t hem about that and they said that they couldn't find anything on it but it is in their resolution center and I sent them a copy of the letter they had sent to me. These people are crooks and has just stolen every XXXX  I have and refuse to even talk to me about it. I have ask them to show me where I had did fraudelent activity but you can't talk to a live person. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accounts on my credit profile need to be removed because I did not open them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
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: Personal information incorrect

Complaint:
Incorrect address showing in my report. submitted an online dispute in the company 's website.

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 2017-12-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX reports account opened in XXXX XXXX. Info is incorrect, account was opened in XXXX and included in bankruptcy. Original creditor sold account to XXXX XXXX XXXX. This is affecting my score. Please have them remove this incorrect info from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Throughout the entire first month of XXXX I noticed an issue with Chase rearranging my transactions. 

I get paid on Friday, and would notice any transaction that would be deducted from my available balance over the weekend would be rearranged and charged that following Tuesday or Wednesday. They would rearrange certain pending transactions and this would then lead to an overdraft because it looked like the money wasn't in the bank when I made my purchases.

Company response to consumer: Closed with monetary relief