BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: NC
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:
According to NC Commissioner of Banks, XXXX is not licensed in North Carolina to provide loans therefore debt is not owed and illegal loan was sold to debt collector of XXXX XXXX XXXX XXXX and needs to be removed from all 3 credit reports in order to remove negative impact resulting in blocking of affordable living and purchase of home. Documents provided by XXXX XXXX XXXX does not include contract or signatures also stating draft.

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 2020-08-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute request to Equifax in writing on XX/XX/2020. It has been well over 30 days since I requested that the derogatory information that they are publishing and still no response. I pointed out several inaccuracies and requested that the information be deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX {$1700.00} XXXX  XXXX {$23000.00} DPT ED/XXXX XXXX {$45000.00} XXXX  XXXX {$520.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$130.00} XXXX  XXXX {$180.00} XXXX  XXXX {$3200.00} XXXX XXXX {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: SYNCHRONY FINANCIAL
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I caught PayPal redhanded charging me for items yes, that I did buy. But then they charged my bank account also, a few years back. Then they wanted another credit card account number that they could charge and again, they did the same thing. I did happen to resolve this issue, even at a loss of credit/money on my part. But now I made a XX/XX/2020 payment and my account does not reflect this payment, although it can be proven by my bank account. I was just getting ready to make another payment, but not until they post a credit on my account for the month of XXXX. These people will not answer their phones, I tried messaging them on their page & XXXX. They have not responded. Just a robotic automatic response. No live person.

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 2018-04-27
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my account on XX/XX/2018 with no explanation except for We are unable to meet your servicing needs. I had that card for almost 3 years and never missed a payment or made a late payment. I have contacted Discover multiple times to get an answer, but nobody seems to have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX VERIFIED WITH THAT A DEBT BELONGED TO ME. I REQUESTED THAT THE BUREAUS PROVIDE VERIFICATION OF THE PHYSICAL DOCUMENTS USED TO VERIFY THAT THE DEBT BELONGED TO ME. AFTER NO RESPONSE I CONTACTED XXXX DIRECTLY AND REQUESTED THAT THEY VALIDATE THE DEBT. AS OF DATE I HAVE RECEIVED NO RESPONSE FROM XXXX. THIS COMPANY NEVER INITIALLY NOTIFIED ME OF THE DEBT PRIOR TO IT BEING REPORTED ON 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 2020-07-03
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Scam : XXXX XXXX called me from omemainfinancial. He sold a 4 year loan at 9 %. He had my full name, address, routing number, name of bank, home address. While I'm the phone He emailed me a contract to confirm terms and confirmed I could afford payment. Asked what it was intended for, seemed reasonable ... Untill the very last thing he asked " I need you user name and password " to deposit check via mobile deposit. That's when I stopped. He said that Covid19 prevented his staff from doing deposits so they must be done via mobile deposit. I hung up. 

He had much of my info, very much. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: CA
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 is incorrectly reporting a closed account in order to keep the item on my credit report. The credit bureaus have not done their due diligence in obtaining supporting account information to verify that what is being reported is correct and accurate. I have disputed this information with the credit bureaus numerous times, however they continue to report the account as opened in 2019. 

According to law, the information reported by collection agencies must coincide with information from the original creditor. XXXX XXXX is ignoring these requirements, in addition to harassing me by calling me numerous times per day and often several times per hour despite my requests for them to cease. The credit bureaus, Experian and XXXX, are continuing to report this incorrect information and after a dispute, I have been asked to provide documentation. Reporting agencies are required to provide information validating what they are reporting so they are required to provide accurate information and verify the information they are reporting. I would like a copy of the information including the actual date the account was opened and the actual date the account was closed with the original creditor. 

I would like this incorrect information removed from my credit report and I would like XXXX XXXX to cease the harassment.

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 2018-06-29
Company: Trans-Fast Remittance LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I made a transfer on XX/XX/XXXX using transfast.com from USD to XXXX of {$4000.00}. After creating the transaction, the email from transfast said it will be deposited to my XXXX account on XX/XX/XXXX. Today ( XX/XX/XXXX ) morning i received an email saying my transfer is completed and " Your transfer has been picked up or received by your recipient. ". 
When i logged into my XXXX account, the money is not there. When contacted customer service XXXX said it should be there by EOD today, now it's XXXX, money is NOT THERE. 
When again contacted customer service over chat, new story ... money will be credited on XX/XX/XXXX, because there is " Another processing ''. 

So what does " Your transfer has been picked up or received by your recipient. '' means?????? 

It's definitely a fraud/scam to hold my fund for more time and using before releasing the fund to me according to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Addresses on my report where I never lived and accounts I never opened.

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 2018-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
Under the FCRA I, XXXX XXXX request that XXXX immediately notify XXXX, Experian, & XXXX  of the folllowing : That the bankruptcy items XXXX & XXXX are deleted from my file. And to provide me with a copy of said communication. Under the FCRA and as per XXXX, XXXX XXXX has the right to : - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).

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 2022-01-05
Company: EQUIFAX, INC.
State: TN
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:
The statute of debt limitation on collections and chargeoffs in the state of Tennessee is 6 years. The statute of debt limitations on collections and chargeoffs under the Fair Credit Reporting Act is 7 years. These accounts have been disputed with the credit bureaus to come back verified and that can't be true as these accounts have not been active since XXXX and XXXX. There are XXXX accounts on my credit report that are due for deletion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Recently cashapp decided to randomly close my account claiming i violated the terms and conditions and when i asked support how i did so they just refused to give me a response and said they practice their right to keep this information closed. I had over 5k in my account when they decided to close it and they instructed me to simply add a new debit card or bank to cash out my remaining funds mind you the previous card i had on it was taken off because i lost it. The app wont allow me to add any sort of new banking information and Ive sent countless emails to support for days on end with no response to help me with this problem but support replied to my email regarding my closed account immediately to tell me to go XXXX myself. This company and their support are a joke and dont care about the consumer or how much money they could possibly lose. Im almost certain they closed it due to a large deposit made into my account that was from my unemployment and now i cant use any of the money that was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Navient Solutions, LLC.
State: MN
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:
My wife and I had tried multiple times to get affordable payments. When numbers changed, they didn't have a clear understanding. Also there was a time ( multiple ) I had to manually put in loan amounts to get the appropriate numbers with Navient. 
We will be paying this off in full, but are concerned about accurate info from Navient. We intend on paying the debt, and are currently behind, mainly because of all of the confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Sadly on XX/XX/2019 my husband passed away I notified the social security administration on XXXX the representative informed me that his last check for XXXX that was deposited on XXXX would have to be sent back by the bank and issued to me ( the beneficiary ) and that anything owed to the bank I would pay once the check was sent to me. He said that they could not pay someone if they were not alive on the date the check was issued. The bank never sent the check back to Social Security. After many attempts to get this resolved via phone calls emails and in person the bank never released the hold on the check The social security office said since they would not release the check I needed to contact the US Treasury Dept.  I was grieving for my husband of almost 30 years and this was nonsense ... I then received a letter dated XX/XX/2019 from the bank stating account closed with a negative balance of XXXX. Then I received another letter from the bank dated XXXX stating account closed with a negative balance of XXXX. How could that be when it was supposedly closed on XX/XX/XXXX with a XXXX balance. They charged me XXXX per day for continuous overdraft fee after the account had been closed. Again how could that be? Now I have just found out that my GA dept of revenue tax refund was sent to this " closed account '' and they kept most of my money and cut me a check for the difference and I'm not even on the bank account. They never would speak to me because I was not on his account but they didn't have a problem keeping money that was in my name. I called the bank to let them know that the refund was sent to them error and after speaking with 2 people in the ACH dept I was told that there had been no activity on that account and that the refund check would be sent back to GA Revenue Dept. because it was a closed account. I received a call from the revenue dept and I was told to go to the bank and then call them so they could tell us where the check went to since it had been almost 2weeks and  the bank said they didn't have it and the revenue dept never got it back. I went to the bank and the lobby was closed drive thru only I reached out again to the bank and was transferred 5 times and then put on hold for 56 minutes and then it was XXXX and nobody answered. Someone needs to make banks accountable. This is NOT acceptable. I have more documents to verify everything in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I live on XXXX and SSI for my daughter 's. The meds I have that work, cost in the hundreds of dollars. That being said, money is always right. When we were getting the stimulus check my bank account was in the hole {$250.00}. Knowing the check was coming was a relief, because it could pay off that overdraft, and give me a few extra $ . What I didn't know was the same night I got the stimulus payment ( XX/XX/XXXX ) the bank put the {$250.00} into the account to bring it current. Since I was expecting {$1700.00} having a qualifying child, I didn't notice that extra money was put in because I was expecting more. Fast forward to XXXX I see a message on my board saying the " {$250.00} loan '' was coming due. But don't worry, if it overdrew your account, they would waive the fee. So I called my local branch. The woman I spoke with didn't even know about the money being put into people 's accounts to bring them current either. So if SHE didn't know, what kind of notice did they give me? I never saw anything about " loan ''. When she came back to me to see what she could do for me, the best was to take off a couple of overdraft fees. She even commented they expect others to be in the same position. So now, because of this my account is once again in the hole, I get paid on the XXXX and my XXXX, XXXX, XXXX ( all of which is being exacerbated by this XXXX  ). What they did was wrong. I did not ask for it and because I am on a fixed income, this will destroy us and potentially leave us homeless. They need to be held accountable and bring my account to a positive balance like the stimulus check would have done in the first place.

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 2019-03-25
Company: Consumer Financial Services Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I sought out the services of Accredited Debt Relief for their debt consolidation services. Upon signing up I had a total of around {$7000.00} in debt that would be enrolled with Beyond Credit. They pulled my credit report prior to enrolling. AFTER enrollment it was mentioned within a long email that it would take 4-6 months for them to begin paying out ... I called Beyond Credit and was then informed, after they took my money, that it was a settlement service to pay out 50-55 % of what I owe yet in my contract they are charging me for the full amounts to each creditor plus enrollment fees of approximately $ XXXX and service fees of $ XXXX. I am demanding a refund of the money I paid to them and would like them to remedy the fact they completely mislead me into which services I was given. It was deceptive and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BSI Financial Holdings, Inc.
State: IL
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 XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to XXXX XXXX and XXXX   credit bureaus. I have been in a Chapter XXXX for four years they BSI Financial Services is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with BSI Financial Services my FIOC score was in the 600 hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly BSI Financial Services violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that BSI Financial Services remove the Chapter XXXX from my credit report my account number with BSI is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rash Curtis is attempting to collect a debt from XX/XX/2019. The Practice they state the debt is from is called XXXX, XXXX. 

XXXX is no longer in business. The number they provide XXXX simply leaves forwarding information. The company where the Dr. now works has no previous records of any debt owed by me. 

Rash Curtis sent me what they claimed as verification with {$0.00} owed. 

XXXX had all my information if there were an issue and would have been paid through my insurance via XXXX XXXX XXXX and XXXX XXXX as the Dr. mentioned : XXXX XXXX was covering for my regular Dr . They worked out of the same office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit and found 3 collections account for XXXX XXXX and a long list of inquires, where these people were trying to use my credit to open new accounts. I have XXXX XXXX and have lived in my home for over 10 years. These cable accounts were being opened every 2 to 4 months behind each other. I did not open these account or authorized anyone to open these accounts.

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 2019-03-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My complaint is that I worked at a university for 25 years. During that time I took student loans and attended classes. I was a single mother of XXXX  and the loans helped a great deal and I had hopes of finishing my XXXX XXXX. My children XXXX  had XXXX XXXX and they had to become my priority and dropping out of school was the only option. I made monthly payments for years and when I ran into financial problems I tried to get the payments reduced. XXXX XXXX income driven monthly payments were too high and I finally gave up trying. I am now XXXX years old and still owe student loans.

Company response to consumer: Closed with explanation