BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-06
Company: JPMORGAN CHASE & CO.
State: NJ
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:
This company withheld information pertaining to this account. They failed to state that I had the right to opt-out of having my information shared with a nonaffiliated third party. They went on to furnish this account onto my consumer report without my consent. Additionally, they also closed my account with my authorization after they've already been paid in full upon obtaining my credit card ( Social Security Number ). These are all violations of TILA and FCRA. I feel like I am being taken advantage of by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: SYNCHRONY FINANCIAL
State: DE
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:
I opened an account in XX/XX/XXXX with ToysRus/ Synchony Bank . I tried making several payments inXX/XX/XXXXand XX/XX/XXXX on this new account. Both payments were returned to me as the new account was closed. I called customer services of ToysRus/ Synchony Bank to complain that my payments are not being accepted. I was informed by customer services that my original account was inadvertently closed and that I will be issued a new account. I was issued a new account ( # XXXX ). I made a payment inXX/XX/XXXX via customer services. XX/XX/XXXX I was notified that my account was delinquent. This mix up with my account with ToysRus/ Synchony Bank is more their doing, as I made attempts to make payments and they closed the account unbeknownst to me. My credit has recently declined because this account with ToysRus/ Synchony Bank is listed as a delinquent account.

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 2022-10-06
Company: EQUIFAX, INC.
State: AL
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:
Over the last several months, I have applied for certain financial products in order to obtain new credit cards, personal loans, or vehicle refinancing. I have used either XXXX promoted products or products through XXXX XXXX. multiple companies other than those indicated on the XXXX XXXX product page, have contacted me with adverse action letters, although I never requested a loan or services through their agency, as well as them not being identified as on of the affiliated lenders. 

XXXX XXXX also provided false advertisement for the solicitation of credit cards, and then denied my application despite identifying I had excellent odds of approval. This caused unnecessary inquiry and reduced my credit score, causing me to suffer actual financial damage by increasing my interest rates for approved loan products through other sources. 

This matter IS NOT a part of the lawsuit by the Federal Trade Commission, as complaints for that settlement are for a specific timeframe leading up to XX/XX/2022. These loan products were recommended and denied via XXXX XXXX in XX/XX/2022, making it a separate issue not part of the original complaint, so I am not eligible for relief under the FTC 's complaint. XXXX XXXX continues to send preapproved credit offers, and just recently sent on on XX/XX/2022, which shows their continued violation of the false advertising. 



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 explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have online account with Experian. Who has been having problems login into my Experian account. Who recently requested a change of password. Who granted me the change of password. Who than tried login into my account twice. Who was unsuccessful login into my account. I personally believe I am being ignored by Experian in allowing me to login and preventing from removing negatives items from my credit report. Which are payments scams of fraud. I also provide them documents. that support my dispute. President Joe Biden said consumers rights to file complaints of being discriminated against.

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 2018-01-07
Company: AES/PHEAA
State: FL
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:
my loan is being managed by XXXX. 
I have been trying to get my repayment plan corrected since XX/XX/XXXX. I have been provided a series of misinformation and horrible customer service. There have been horrific errors to my account including at one point changing my name to my spouses. The company through your help agreed to allow me to make payments for the missed months to count toward my PSLF plan. They required me to recertify I work for XXXX XXXX months early to do so. I have 2 dates listed on my file a computation date XX/XX/XXXX and a station eod date XX/XX/XXXX. They are denied my PSLF application bc the prior application had the eod date and the current one had the computation date. Now none of my payments are being counted towards my PSLF and the back payments I applied ( when I was originally in forebearance during that time ) have counted toward my PSLF either. This has been a total nightmare with me in tears every time I speak with them. The last rep was just heartless and totally empathic especially when it was this company that had disastrously messed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Tried to unfreeze my credit information for 24 hrs. The agent I dealt with at Equifax was hard to understand and did not unfreeze the account. I was trying to deal with XXXX XXXX XXXX XXXX XXXX. Will probably miss the promotion price they are offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Seterus has placed forced insurance on my home for homeowners and flood. I always had my own coverage and they have charged my Escrow Account an " Earned Premium '' when in fact, the policy should have been canceled " FLAT ''. Due to this I have paid over 1,500.00 in DUPLICATE coverage.
Seterus continues to place my payments in a " Suspense Account '' of which there is an overage of {$5900.00}. I have asked them to credit these monies to my Regular Payments, they refuse and say the " USUALLY '' will oblige when I get caught up on my payments. How can I get caught up when the continue to show me delinquent?
Seterus is strong arming me into a " Mortgage Modification '' however this modification only reduces my monthly payment by {$100.00} and has the same interest rate ( 6.75 % ), Loan amount BUT they want to make this a FORTY YEAR mortgage ( XXXX ). Keep in mind, I already have paid on this mortgage since XXXX. That would be paying for 60 years! I am only 2 months behind ... ... ... .I am a single, female they are trying to steal my home. They threaten me and call continuously along with saying they will foreclose IF I do not sign the modification ... ..I AM ONLY 2 MONTHS BEHIND! And they have my money stuck in " Suspense '' ... ..and " MIGHT '' credit it ... what is this????

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 2018-01-07
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase I opened an account with Coinbase in the fall of XX/XX/XXXX. In XX/XX/XXXX, Coinbase initiated 2FA for account access, but I was not advised in time and I lost access to the account. I opened a second account and asked them to transfer any residual funds to the second account, which never happened. 

In XX/XX/XXXX I was informed by Coinbase that my account was being terminated without explanation or cause. There was a small residual amount of funds left in that account as well. 

However, the value of bitcoin has risen far higher since that time. What was worth less than {$10.00} is now worth several hundred dollars. I have contacted Coinbase twice about getting the funds returned to me, and their was response was " We have no record of you ''. 

This is nonsense. Under XXXX rules, I was required to submit an enormous amount of information about myself, including email address, physical address, social security number, bank account information, a scan of my drivers license, and more. 

Coinbase should be able to easily identify me and my accounts, and return any funds left in them. To claim that they have no ability to identify me or locate my account records can only be viewed as fraudulent. 

I have no paper records to provide, because getting the information, such as account numbers etc. would require accessing the accounts, which Coinbase has locked me out of. No bank can legally operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: BARCLAYS BANK DELAWARE
State: MI
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:
On XX/XX/2019 Barclays Bank Delaware submitted a hard inquiry to retrieve my credit information. Upon notice of this inquiry around XX/XX/XXXX I contacted Barclay Banks via telephone to their " fraud '' department. I explained the issue and I was told they would cease any processing and submit a request to have the hard inquiry removed off of my credit report. 

On XX/XX/XXXX I received a Barclays Bank credit card in the mail at my home address. The card was issued on XX/XX/XXXX and contained a cash line of {$1600.00} and a total credit line of {$4000.00}. 

At no point in the past 24 months have I given permission to have a hard pull on on my credit reports nor I have inquired or applied for any additional lines of credit therefore the hard pull occurred without my consent. Furthermore, I had a credit card issued to me that I never applied or approved up that was issued after I had already contacted the banks fraud department. After being assured that Barclay would take care of the issue, they failed to do so.

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 2019-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In early XXXX, I sent Capital One an email where I told them to cease and desist from calling me and sending certified mail. Despite this, I have been receiving calls from debt collectors working on their behalf, in XXXX. 

Also, it's come to my attention that Capital One did a number of illegal things while my account was still open. They were charging me just interest but putting it under cash advances. And when I signed up, they were charging me monthly for credit reporting I didn't want. Both actions have been up in class action suits. 

With my account limited. I can not provide the best dates. But if they provide all of my records, I can show they over billed me illegally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello I need help. I have a mortgage that is guaranteed by USDA. Due to the loss of roommate income I entered into the Covid forbearance. I am in a position to resume mortgage payments now, however The Bank of Oklahoma who now holds the loan is offering me to make a lump sum payment of $ XXXX XXXX or a three month repayment plan. Neither of these options are affordable for me. 

Please advise other options I may have. I believe the bank is mistaken in their responsibility to assist homeowners to resolve their amount due. 

I am talking to a mortgage broker about paying off the entire note including the deferred amount of $ XXXX but I am told that there are regulations that prevent another mortgagor from refinancing until the forbear amount is paid off. 

Please advise as I understand my forbearance is ending the end of this month and I'm not sure what to do. 

Thank you for your time XXXX XXXX cell : XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Atlanticus Services Corporation
State: AR
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 mistakenly paid Fortiva {$30.00} to a closed account. I immediately emailed and asked them to change that money to the balance of my open account. I didn't get a response. A few weeks later, I chatted via their online chat portal and was told it would be 3 days, and the money would be credited to the correct account. I checked back, and the money had not been credited. I chatted via online chat again, and was told it would be 7 days. On the 8th day, I called Fortiva directly because STILL nothing had been done. I was told FOR SURE it would be done and it would take 7 days. It has now been 8 days since the phone call and after chatting via XXXX, he told me it would be 10 days. I finally paid the account that I owed money to and am chatting with XXXX, who told me that I can request a refund once my account has a credit balance -- which it's had since XX/XX/2019. This is FIVE contacts I've had with Fortiva about this money. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONLINE COLLECTIONS Original creditor : XXXX XXXX {$390.00} Balance updated XX/XX/XXXX Payment Info Original loan amount {$390.00} Balance {$390.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trying to collect on unverfied debt while reporting it to credit bureaus as correct. It is effecting my credit and is making life hard to get approved for credit. I have ask them to send me proof or verification on the matter and they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
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: Information belongs to someone else

Complaint:
RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.

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 2020-02-11
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with one of Experian 's representative and they would not help and take care of negative inquiries reporting to my credit report, that I had no knowledge of the list of inquires I requested to be deleted were : XXXX  XXXX- XXXX- XX/XX/XXXX XXXX  XXXX- XXXX- XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX XXXX  - XXXX XXXX-XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-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 explanation
Consumer complaint received 2019-07-30
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold a personal item for {$33.00} and the payment was deposited into my paypal account a few weeks ago. This is the current balance in my paypal account. 

I tried to make a donation to a charity today, and the transaction would not complete. 

I spoke with online assistance, and they refuse to release the money unless I connect a bank account or debit/credit card. 

I do NOT want to do that since a family member had nearly {$1000.00} stolen from her bank account by paypal making fraudulent, unauthorized transactions, and the bank had to file charges to get that money back! 

I WANT MY MONEY AND PAYPAL REFUSES TO RELEASE IT AT ALL UNLESS I GIVE THEM BANK ACCOUNT INFORMATION. THIS INFORMATION IS NOT POSTED WHEN OPENING AN ACCOUNT OR WHEN NOTIFICATION IS SENT THAT MONEY HAS BEEN DEPOSITED IN A PAYPAL ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: SUNTRUST BANKS, INC.
State: MD
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:
A creditor submitted a redraw of {>= $1,000,000} to my personal bank account of which I did not authorize, did not know about and caused the account to be frozen by the bank. As a result, I have no means of taking care of my family, even buying food and household items needed for them. I can not pay my mortgage or buy gas to take children to school or go to work. 

The background reason is that this amount is from a debt. I borrowed XXXX XXXX to open a restaurant that failed. While I am the guarantor for the loan, this amount and other debt from other businesses are all being included in a bankruptcy. With the bankruptcy, the Suntrust bank where I have my personal checking should not have posted the amount submitted by the creditor and should have at least called or written me to verify. I would have informed the bank that I am in bankruptcy and that the account should not be frozen. 

As I understand, when in bankruptcy, all debt collection should stop until the Court decides on all debt. So I do not understand why my bank will allow this. 

When I called the bank, no information would be given to me except to call a phone number. When I called the phone number it went to a place that sounded like a law firm or debt collection business but no one answered 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