BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian yesterday to submit a dispute regarding the inquiries that are present on my Experian report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Experian to investigate the inquiries present on my report that I did not authorize.

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 2020-07-06
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2019-11-13
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have two accounts with Citibank. One one of the accounts I had some items post that the drew the account negative in the amount of ( -XXXX ). I had a positive balance in my other account of ( XXXX ). Citibank debited my one account to pay he other leaving one account at ( XXXX ) and the other account at ( -XXXX ). When I contacted Citibank its initial representatives were in call centers outside of the U.S. and the were very rude stating that Citibank has the right to collateralize any account a person has with them. To which I responded that might be true, but surely their are protocols for doing so, thresholds that trigger such actions. I explained considering that in one of my accounts I have a weekly deposit of almost XXXX deposited to the account ( XXXX ) There was no need for Citibank to take any action on my accounts because after all of my payments are made there would have been enough to cover the negative balance in my account. I had to call three times and finally after being on the phone for more than 2 hours I got a supervisor in a U. S. call center to explain their " sweeps '' protocol for collateralizing occurs when an  account is negative -XXXX or more and the account has been negative 10-15 days ( she later said that it is 15 days ). I explained to her this is why I have an issue. Because it felt like more of a unobjective human decision had been made more than an automated protocol followed, because my account was not negative more than ( -XXXX ) and it has not been 15 days since the account was negative. I take no issue with disclosures/protocols being followed. I do take issue with unjustified actions being taken on my account. It makes me wonder if this is widespread practice for Citibank not to follow its own right to collateralize protocols and its seems very petty especially considering my weekly deposits.

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 2018-07-16
Company: AES/PHEAA
State: PA
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:
I signed up for Income Driven Repayment in XX/XX/XXXX. At the time I was told that my repayment term would be 122 months by XXXX  XXXX XXXX, my loan servicer. This information was confirmed online via my account. The repayment terms showed as 122 months when I viewed my loan details online. 

I submitted the recertification form on XX/XX/XXXX. When I logged into my account online I became alarmed when I saw that the repayment term was still listed at 122 months. 

I called into the customer service and spoke to XXXX ( employee ID number XXXX ). She explained that the information on my online account was incorrect and was incorrect for any person signed up for income based repayment. My repayment term is actually 300 months. I asked why their phone system directed me to view my account online for my loan details when they weren't correct. She did not have an answer. 

I am glad I caught this mistake because I was looking at paying over an extra {$92000.00} in interest if I stayed on this payment plan. The standard 10 payment plan payment is only {$8.00} more every month. 

I believe that the misinformation provided by XXXX XXXXXXXX XXXX is willful and on a wide scale. I believe that they should be accountable to provide accurate information about the repayment term to account holders in their online account since they encourage the use of the online account in order to obtain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XXXX XXXX wont refund a total of XXXX $ they have shut down their company and services and my credit card company chase freedom is aware of this and still wont refund me the money. They have not offered a solution or even a way to resolve the problem. How can I have a charge on my card for a travel company that no longer is in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020, PayPal made my remaining Account balance of {$520.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX   XXXX XXXX '' from XX/XX/2015-present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After my husband who was the sole breadwinner of our household became ill, are property fell into foreclosure. We put the property on the market and received an offer in XX/XX/XXXX. The offer was submitted to our loans servicer for a short sale approval. In XX/XX/XXXX, the buyer canceled because the bank took too long. Then in XX/XX/XXXX we received another offer which we again submitted to the bank for approval. Since XX/XX/XXXX we have done everything asked of us from the bank to attempt to obtain an approval. The bank again delayed, delayed and delayed some more. Unfortunately, in the course of attempting to secure the short sale approval, my husband died. Each time we have presented the bank with an offer they reject it for being too low. The buyer came all the way up to {$540000.00}. The lender has had this offer since at least early XXXX. I ordered an independent appraisal of the property earlier this year which came back at {$510000.00}. Today when we contacted the bank, we were advised that on XX/XX/XXXX an appraisal was conducted and home appraised at {$470000.00}. When we asked about the status of the {$540000.00} offer that the buyer had submitted several months ago, we were advised that the offer had been declined by the investor. I was shocked. I do not understand how an offer which is {$70000.00} higher than the bank 's own appraisal could be rejected. After researching the matter a bit on the Internet, I realized that since this is a servicer who owns this loan, it may be that they are trying to delay the process to make more fees on the servicing of the loan. Or, in the alternative, perhaps the owner of the loan is simply going to make more money from a mortgage insurance claim. I can't figure out why this is happening to us. I have made a good faith, diligent effort to attempt to minimize the bank 's losses and to try to salvage what's left of my credit. However, the bank continues to delay and demand documents that have been submitted on multiple occasions and requiring the buyer to increase their offer which by their own admission is {$70000.00} more than the appraised value. I am no attorney but this seems like a highly unfair and deceptive business practice which this investor and their servicer are engaging in. I would appreciate any help you can provide in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX transferred my loan to Nationstar Mortgage. Nationstar will not allow me to register a new account online citing they do not have my account information. Calls to their help line have gone unanswered and I have remained on hold 2 and 3 hours with no response. I CAN NOT pay my mortgage and I have concerned they are engaging in fraud to delay registration and accumulate late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX County Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : 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 explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2021-11-04
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Two transfers occurred on XX/XX/XXXX and XXXX each for {$100.00} plus XXXX in fees. These were supposed to be for personal services rendered that never were. 

I tried to contact the payees through the messenger systems in place but never got a reply back. 

I then submitted a dispute with the company as I had not heard anything from the payee. They have denied my dispute and I have run out of options. I was scammed out of those two payments and the customer service from PayPal has been nothing but go around. I need these charges reversed as I never received any of the services that were stated and it was prior stated they would refund the money within 72 hours of service not being rendered ( the payee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong 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 2020-09-06
Company: EQUIFAX, INC.
State: PA
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:
To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX XXXX Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX XXXX Account Numbers : XXXX XXXX  Account Numbers : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Experian Information Solutions 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:
All 3 Credit Bureaus. Did not correct the inaccurate information on my account and request to remove closed 2 accounts. I have called to dispute the late payments on 4 of my credit cards accounts, which is not right in my report. No problem have been solved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Doctors Business Bureau are reporting negative information in my credit report. I have notified them that the account does not belong to me, I have requested proof of debt and they did not send any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX Inquired on XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To be brief, around XXXX of XXXX, I informed Ditech that I was unemployed at the time and that I was worried about my mortgage, since by that date I was perhaps two months if not more, behind. I was assured not to worry and that things could be worked out. I was told that if I could make payments on XXXX and XXXX of XXXX and XXXX of XXXX, then they would give me a loan modification. If memory serves, either late XX/XX/XXXX or first part of XX/XX/XXXX, I informed Ditech that I was still unemployed, despite applying everywhere and still looking daily for work. I was informed that as long as I make a payment, things could be worked out. Next thing, I receive a letter informing me that my home has been scheduled for foreclosure on XX/XX/XXXX. I was denied unemployment benefits, so even making a partial payment was out of the picture. All that XXXX wasted XXXX time talking to Ditech and being given, what I would now call false hope, just to lose my home anyway. In essence, it appears and feels as if I was just strung along until there was only one thing for Ditech to do and was to foreclose. We have no where to go.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: SC
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 sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: AL
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 noticed on my credit report that it states an address that I never lived, nor ever heard of. The address is : XXXX XXXX XXXX, XXXX XXXX XX/XX/2020 I have sent several letters to XXXX, XXXX, and Equifax upon me noticing this fraudulent address and they have ignored my request and never removed the address. I also sent them my identity and a utility bill to let them know my correct address. I am afraid I may become a victim of identity theft with this address on my file.

Company response to consumer: Closed with explanation