BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: LA
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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Convergent Resources, Inc.
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY 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 explanation
Consumer complaint received 2021-10-05
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Paypal Holdings, Inc
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX at XXXX EST. I looked at my Email and i got one from PayPal saying I sent someone by the name of XXXX XXXX {$1000.00} via my bank account. I immediately changed my password and added 2FA on my account. And then once I was done that I contacted PayPal support team and told them it was unauthorized activity but they denied my claim and said there was no unauthorized activity on my account that day. I asked them what they do to determine if the account had unauthorized activity or not and they completely dived the question. I opened a case for unauthorized activity and almost immediately they denied it and said there was no unauthorized activity. Ive been talking with them for the past 10 days and they wont help at all. Im just trying to get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have some personal information on my credit report which has been mixed up with my father who is now deceased. I called but didn't get help with this matter from the representative. Enclosed is a document that displays the proper spelling of my name and address. Any other spellings are incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: AES/PHEAA
State: CA
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:
The Problem is with the Department of Education and the poorly ran Public Loan Forgiveness program. The Waiver states " all payments, partial, late, zero and wrong plan '' now count. However, if the status state XXXX on the student aid site any payments made during that time does not count. 

People can consolidate new loans with old loans and be forgiven. Yet, forbearance periods can not count? 

Forbearance periods needs to be added to the waiver. Borrowers were always steered into Forbearance. Forbearance periods from XXXX needs to count as payment if the borrower certifies 120 months of employment. 

The language on the waiver is confusing and Fed Loan is not applying the language correctly. Every phone call results in different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: UT
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hi : In XXXX 2017, my dog had a serious illness requiring immediate XXXX. The vet suggested that I finance the operation with Synchrony. I applied for the card and received credit and have been making payments. 

I asked about the terms both with the Vet and Synchrony but they did not emphasize or mention that if I did not pay off the balance in six months that that I would be back- charged interest for the six months which had been discounted. Silly me for not reading the fine print, not even sure I saw it before I was approved and paid the vet. When they did this, it caused my account to go over the credit limit causing a large decrease in my credit score about the same time I was trying to refinance my house. 

I asked them to raise the credit limit a little to solve the problem but they declined saying the reason was because I was over the credit limit. This is a classic Catch-22 and just nonsense. This was a scheme that is designed to mislead. I have fallen for these a couple of times in the past which is why I do n't generally sign up for merchant cards. I just missed it this time because of the circumstances.

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 2021-10-05
Company: JPMORGAN CHASE & CO.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4200.00} XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have repeatedly made privacy elections and limited the types of solicitations my mortgage company, Mr Cooper, sends me. I have even submitted a complaint to CFPB about it. Mr. Cooper always does the same thing. They lie and claim " our system isn't showing you've opted-out of these communications '' - I opt-out and they say they've updated their records. Then a few months go by and again they start sending me solicitations and refinance offers. They do this by mail, and every single time I log into the website to make a mortgage payment. Screenshots of both are attached. These are predatory lending tactics. I am current on my loan. I have a good rate and an affordable monthly payment. However, since this isn't lucrative to the mortgage company they think it is appropriate to spam me with " offers to refi. '' If they are doing this to others, they may get people to refi their mortgages when there is really no need. They are preying on people, violating people 's privacy, and lying about honoring privacy opt-out requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: AZ
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 : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX XXXX and Equifax are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.

3 different dates on each credit bureau.

- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate.

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact XXXX XXXX XXXX and XXXX, Equifax, and XXXX correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
On or about XX/XX/2020 I submitted the following letter along with statement attachments to XXXX XXXX : I hereby serve notice for restitution on account of irreparable damage to my Credit Score. In addition I request release from my contractual obligations to XXXX XXXX. This is a structural attempt to discredit me and my credit history by XXXX XXXX and XXXX XXXX. XXXX XXXX submitted XXXX credit inquiries in an apparent attempt to increase my APR, in doing so affecting my credit inquires resulting in negative ratings to my score. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter warfield called me and my wife multiple times a week for a span of months spanning from XX/XX/2023 to XX/XX/2023. I answered them once asking for verified information. Proof of charges owed that I never received from landlord upon move out that she refused to send. Proof of contract saying we owe hunter warfield. Etc. They plainly stated and threatened that they have this information but won't send it. And that it will affect our credit and that we have to pay. To which I told them have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I called into US Bank to open a new account on XX/XX/XXXX. The E consent form emailed to me stated that I had 30 days to sign the form. When I tried to transfer funds I needed yesterday the mobile app did not allow me to do so on XX/XX/XXXX. I called into the bank and was told that there was a hold on the account for e sign to be completed. As I stated before the us bank app was not allowing me to do that process on my mobile device so I haggled with customer service with the matter and just asked for the account to be closed and the funds to be returned to the original account which the bank and its supervisor refused to do. I am in complete confusion as to how a bank can not close an account or should I say blatantly refuses to close the account. 

I went as far as to go home to my desktop computer I followed the steps listed and now the us bank site is once again having continued issues and wont even allow me to e sign the document to have access to the account and the funds therein. I am attaching the screenshots showing the continued US BANK problems. This is freaking ridiculous I will be closing both accounts next month this is some complete XXXX  XXXX. They refuse to close the account and are restricting access to the account and refuse to transfer me to supervisors when I called into the bank and asked for a supervisor some rude chick on the phone tried to start an argument and then transferred me back to the customer relations and they refused to transfer me to a supervisor, XXXX refused to transfer me a supervisor claiming it was saturday and that no one was available and they had limited supervisors and claimed she was being honest with me. 

UNACCEPTABLE NASTY CUSTOMER SERVICE ON A CONTINUED BASIS. I WILL BE CLOSING ALL ACCOUNTS AND NEVER DOING BUSINESS WITH US BANK AGAIN. HOW THE HECK CAN YOU REFUSE TO CLOSE AN ACCOUNT, DENY ACCESS TO AN ACCOUNT, REFUSE TO ALLOW ME TO E SIGN THE ACCOUNT WHICH WAS SUPPOSED TO ALLEGEDLY RELEASE THE HOLD ON THE ACCOUNT AND THEN GET TWO REPS BACK TO BACK WITH NASTY ATTITUDES REFUSING TO TRANSFER ME TO A SUPERVISOR AND PUTTING BLAME ON ME FOR THEIR FREAKING NASTY SERVICE IN ALL ASPECTS. UNBELIEVABLE. I HOPE THEY GET CITED FOR THIS FRAUDULENT BEHAVIOR AND HAVE TO PAY MILLIONS TO CONSUMERS LIKE XXXX XXXX HAS HAD TO DO FOR THE SAME TYPE OF UNETHICAL ILLEGAL BANKING EXPERIENCES.

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 2018-04-08
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, we started making extra principal payments due to a car loan being paid off. We either make 2- {$400.00} payments or 1- {$800.00} payment each month. My Mortgage payment is {$900.00} ( {$890.00} ). On XX/XX/XXXX I checked our Mortgage Statement and in XX/XX/XXXX, Nationstar started mixing up my principal payments and mortgage payments. When I make my principal payments, I go thru their system, and check off " make a principal payment '', so clearly there isn't an issue. I called XXXX and explained to him what is going on. He said he would fix it and it would take 24 hours. So since I am trying to keep track of my balance so I can pay off my mortgage early, I checked after my two payments - one Mortgage, one principal were cleared from my bank at the end of XX/XX/XXXX. To my horror, the payments again were mixed up - the {$800.00} payment was marked as Mortgage and my {$900.00} payment was marked as principal. AND now my statements as far back as XX/XX/XXXX are also all messed up. I called again and the lady said the system always takes in the mortgage first ( and according to my bank statement it did ), but their system did not do it the way she said. It got them backwards. Today, XX/XX/XXXX, I tried to make a principal payment and now their system tells me I need to make a mortgage payment first. Which I did and it cleared my bank on XX/XX/XXXX. To say that I am mad, is an understatement. I just made copied of my bank statement, all of the copies of my mortgage payments, all of my copies of my principal statements plus a copy of my mortgage statement showing them of all of the mixups.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX is the servicer, mortage in XX/XX/2007 been payi ng XXXX a month on. XXXX mortage but the balance only. Went down to XXXX to date after all these years they said they would investigate still waiting no results your. I input will be appreciated thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Bread Financial Holdings, 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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: BTH Management
State: MS
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:
On or about XXXX 2019 I noticed a strange debt on my credit report. I contacted the creditor listed ( XXXX XXXX XXXX ) and the reporting agency ( Plaza Servic ) Both refused to listen ; [ E ] ven after I explained that I received a denial of credit letter indicating someone already attempted to  open an account in my name. SEE ATTACHED The letter also listed reasons for the denial.I filed a dispute that the account was open fraudulently, and the fact the account was even charged off to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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