BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do XX/XX/XXXX XX/XX/XXXX for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Unable to login to my account.  Seems like it is permanently locked out and does not recognize my device ( computer ).  Worked fine yesterday.  Will not recognize username and password.  Wasted day with them with passcodes and emails I can not access when on their web page form.  Just locks out the account for access.   Calls get nowhere since you can not get IT to intervene and send a one time password to log in with and then change after logging in.  Had same password and user name since taking out the card with XXXX XXXX.  This TD bank card is no longer connected to my XXXX XXXX account either.  XXXX says have to log in with TD Bank now.  How??? Does not work.  Phone gives no passcode, email will not go back to form to insert passcode.  I want to get on this site to pay my bill and cancel it after I take my rewards cash back out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I have called and sent letters to Experian letting them know that they were reporting false and inaccurate information on my report and they refuse to obey XXXX complaint reporting standards in violation of the Fair Credit Reporting Act. They continue to report false names and addresses on my report that don't belong to me and mail is undeliverable to me at these addresses. The following information is inaccurate and need to be deleted immediately. 

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 non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX, transunion and XXXX keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me

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 2018-02-26
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the XXXX for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: WI
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 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 XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: AmeriHome Mortgage Company, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The company I am filing this complaint about is Amerihome. I originally applied for 3 month forbearance due to covid. I began making my payments again as agreed upon but accidentally turned in the paperwork several days late. They then sent a letter my forbearance was denied. I have called, sent emails, and letters. I have spoken with people and they say they will resend documents or send me other documents to see what I qualify for and then I receive nothing. I a trying to figure out what COVID program I may qualify for but no one will help me.

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I submitted a dispute for XXXX XXXX Account # XXXX. I requested that Transunion remove this account from my credit report as it is over XXXX old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: SC
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 {$370.00} XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX Collections {$83.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: Performant Financial Corporation
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Performant Recovery Inc contact me to apply for a rehab program in order to stop my garnishment of 15 %. I submitted all of the required documents and the approved a payment of {$53.00} and details are under Performant account number XXXX. After the 5th payment  the garnishment was going to stop. On XX/XX/2019 5th payment was performed. ( See Attachment # 1 ). 

Next payment checks from my company were received on XX/XX/XXXX and on XX/XX/XXXX. On both checks the garnishment continues to charge. Yesterday I contacted Performant Recovery Inc and they told me that they sent the communication to XXXX and XXXX is who should notify my employer. In addition Performant Recovery Inc told me that the latest payment of my garnishment that they received was on XXXX XXXX 19. I  contacted finance department of my employer and they never stopped payments. ( See Attachment # 2 ). 

Today I contacted XXXX and they told me that they don't do that and the account ( Account # XXXX ) that they have is one that I paid separately and which is now stopped because I am studying my XXXX XXXX. 

I am so confused and I need to understand my exact student loans debt and where the money goes. 

XXXX XXXX from Performant Recovery Inc is the person that I always call for payments confirmation number and other question ( XXXX-XXXX-XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX someone sent me $XXXX via my PayPal account.i received an email from PayPal my money was available. When I tried to deposit in my bank account it would not let me. I was leaving next day for vacation out of country. I contacted PayPal via live chT and was told that randomly happens and to retry in 3 days. After waiting I tried again and it would not let me and I was told their is a limitation placed on my account. I could not call bc I’m out of country so I did live chat again and was told I to send in requested info and wait 5 days. I couldn’t send a complete bank statement only version on my mobile acct. the next day they requested all my credit and info. I recto give that to them whereas I had been getting phishing emails from PayPal and had forwarded them a few months ago. They told me it’s in their contract that they can withhold my money, I never read or signed that and if there was any problem they didn’t even. It icy me via email or phone call. I don’t understand how PayPal can keep my money for 6 months, not allow me to refund sender so he could just give me by check or give me MY money. I expected thus money to pay bills. This is deceitful practice, just keeping my money and not telling me why let alone informing me. I want my account closed whereas I do not trust the safety of PayPal with my personal info yet they wont let me close it. I tried to make a dispute via PayPal option but it didn’t let me, it stated since I received the money they couldn’t do anything and to contact sender. I contacted sender and he called them and PayPal told him since I received the money he had to request refund from me, which PayPal will not allow me to do.i demand my money be released to me and my PayPal account be closed whereas I want nothing to do with PayPal. They stole my money and say I’m guilty of who knows what, I’m innocent of who knows what until they prove me guilty and then they could collect money, but I did nothing wrong just sneaky tactics on PayPal side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Conduent Incorporated
State: PA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
There are several customer service numbers and not 1 of them has an option to speak to a person. The bill pay option is unavailable and there is no way to transfer money to my bank. I am limited to the amount of money i can withdraw. I can not pay my rent with a card,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Had a 2011 XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever

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 2019-06-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying loans with Navient for 13 years. My balance has gone roughly from {$20000.00} to {$15000.00}. Periodically, XXXX XXXX sends me a notification that my Navient balance has increased suddenly and quite severely. The last one being over {$1000.00}. I am never late- I've never been in default. I can not seem to get my balance to decrease and finally pay it off. I don't qualify for Student Loan Forgiveness because of the type of loan I have, I think? I want to know why my balance increases sharply periodically and why this loan isn't closer to being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These inaccurate account and unauthorized Inquiries are causing my scored to drop and when I tried asking the bureau to remove I did not receive any response even after 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for the XXXX on a XXXX XXXX ( XXXX ) repayment plan in XX/XX/XXXX. I received a notification from Nelnet on XX/XX/XXXX, that I was approved for a {$18.00} payment on the XXXX plan, which was initially to be due on XX/XX/XXXX. When I attempted to make a payment online before the due date, I noticed my account was in forbearance that I did not request. On my dashboard, it says I will be in XXXX XXXX until XX/XX/XXXX. My biggest concern is that, since my account is in administrative forbearance, it is accruing monthly interest that far exceeds the {$18.00} monthly payment I am eligible for under the XXXX plan. Additionally, I received an email from Nelnet stating that this interest accruing during this unrequested forbearance will be added to the principal. I have tried calling and emailing Nelnet but it is impossible to get through to anyone. I and others in my position should not be subjected to the interest accrual during an administrative forbearance that was never requested in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
There are 2 different accounts that has been disputed.The other 2 Bureaus were not able to verify the accounts therefore they were removed. But somehow TransUnion is still showing this account and Im wondering how if all 3 Bureaus pretty much use the same system. I never even received any documentation as to the accounts being verified. The accounts in question are 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 non-monetary relief
Consumer complaint received 2018-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2018 I have been paying interest only on my HELOC ( BofA ). ( background information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX. They said the term is up and from my XXXX monthly payments ... it will now go up to {$270.00}. a month. 

I asked for a remodification of the XXXX owed. They sent me paperwork for NOT JUST MY HELOC ... but also for my first mortgage. Which I never asked them to do! 

Now I'm getting phone calls and they hang up on me when I try to respond! I will borrow the {$270.00} they ask for ( due XXXX XXXX, 2018 ) ... but am trying to find an outside loan source in the interim to get RID of this company. 

Are all XXXX XXXX  treated this way by Bank of America??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/2017, {$33000.00}, XXXX XXXX sold the debt to XXXX. Giving my personal information away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: CAVALRY INVESTMENTS, LLC
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:
There is a XXXX XXXX in the amount of {$4400.00}. I had contacted the bank in regards to this matter due to someone finding my wallet with my social security card and drivers license and stealing my identity. This has been an ongoing issue and I can not get this resolved. At this point they are reporting a balance and an account that is open. I had provided them with a police report and a written statement proving that my identity had been stolen. There was no further action taken on their end. This is hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Revco Management, LLC
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from REVCO Solutions dated XX/XX/2021 which stated this was communication from a debt collector. The letter included my name, the creditor name, the creditor account #, service date, and balance. The letter did not include a statement of my legal right to request for verification of this debt. I have not receive any other communication from this debt collection agency about the right to request debt verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation