BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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 XXXX - XXXX was included in Bankruptcy and Equifax just started reporting a balance for this account. The account balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax, refuses to correct the address that is listed as current address on my credit report. Equifax list an incorrect address as my current address on my credit report. I have lived at my current address for 22 years, my tax documents, drivers license, social security record, all reflect this, yet Equifax knowingly continues to report this inaccurate address on my report.When I apply for bank account they information that they are unable to verify my identity, because the information listed on my report does not match the information on my application. I have sent Equifax proof of my address, and they still refuse to correct my report. Equifax is willingly putting me at risk for identity thief by allowing false information to be listed on a resource that in commonly used by financial institutions to verify identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or around XX/XX/19, I called Citibank requesting closure of two of my three accounts. I transferred the cash from the two accounts into a new Citibank Accelerate Savings with a higher APY. For some reason, one of my accounts was not closed. When I logged into mobile banking today, I noticed that the account balance was -$XXXX. It's so unfair that they charge me a fee for an account that I requested to be closed and that was at a $XXXX balance. When I called to get the account closed again today (XX/XX/19) the representative informed me that the charge is still pending and can't be either investigated or reversed until it's posted to my account, so I'd have to call back in tomorrow. When I asked them if they could just post it, she declined and offered the same solution. I'm extremely frustrated that 1) I've attempted to close an account and that it never happened. 2) I was charged a fee that brought my account balance negative.3) That the representative couldn't refund me $XXXX for their error.4) That I'd have to call back in to get the fee reversed. I'm not sure what your account agreement says, but it's unbelievably unfair that you'd charge a fee when the account balance is $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 monetary relief
Consumer complaint received 2021-06-22
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello- On XX/XX/2021 I received an email from Paypal saying that my account had been restricted. They did not provide a reason. I was informed that my account would be restricted and that, essentially, funds in my account will be held for 180 days. 

I tried to contact Paypal to get some answers, and to see if anything could be done and was unable to reach a party on multiple phone calls, or via email. I also tried the chat function through their online services menu, and never received a response. 

After I could not reach a Paypal rep, I had reached out to friends who had recently sent me money through Paypal to see if they could request their money back. I can see their requests, but Paypal is not allowing me to even issue their money back to them, so it is locked in the account with no way to remove or withdraw. I also can not even close the account. 

I would like to access/withdraw my balance in this account and close the account. 

Thank you in advance for your help! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: Lendmart, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Starting on Monday, XX/XX/XXXX until Today, I have called 8 times to their toll free number XXXX to get a payoff quote to pay the loan off. Each time I waited for 5 minutes on hold, then was told to leave a message and I would get a return call. Each time I left a message and my cell phone number. I finally got a call back late Tuesday XX/XX/XXXX and was provided a payoff for XX/XX/2018. They would not process a payoff sooner, charging me interest for 3 additional days. The interest rate on this loan is 149 %. Please note, although I provided my bank account information for a payoff on Friday, XX/XX/1018 I am NOT sure this will go thru. There was also an attempt and/or questions as to why I am paying off this loan early as they were trying to talk me out of it.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TX
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After carefully evaluating items on my report, I discovered multiple fraudulent items listed on my report. I am a victim of recent identity fraud and need the fraudulent items blocked immediately.

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 2018-08-15
Company: Fay Servicing, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Please see Attachments : I received a foreclosure letter from a law firm saying I owe the mortgage co. XXXX on XX/XX/XXXX18. I called the mortgage company spoke to my account manager XXXX XXXX he stated that I have a lean on my home. I ask him why did they approve the short sale and stating that my realtor can just make a offer on my home. 
I received 2 offers on my home from buyers. I sign off on the cash offer for XXXX for buyer to purchase my home. 

XXXX XXXX XXXX Principal Broker XXXX XXXX XXXX, XXXX XXXX Referrals are greatly appreciated and are the highest form of compliment! 

On Tue, XX/XX/XXXX at XXXXXXXX XXXX, XXXX XXXX XXXX wrote : XXXX, thank you for your email and docs. Because you have complied with the list price we will provide FC protection. The foreclosure has been placed and will continue to be placed on hold as long as the marketing continues with the agreed list price. Obviously if we approve a short sale, the foreclosure will continue be placed on hold. 



Let me know if you have any additional questions. 





XXXX XXXX Asset Disposition Specialist Fay Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, IL XXXX XXXX toll free XXXX direct XXXX fax XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To :  XXXX XXXX XXXX Subject : RE : [ External ] XXXX XXXX XXXXXXXX PLACE PRELIMINARY HUD XXXX We have rushed this should be about 3 working days.5-7 is typically our turn around! XXXX XXXX XXXX Business Development Officer Department or Division Name XXXX XXXX XXXX | XXXX | *If wiring funds to XXXX XXXX , please call us at XXXX to verify our wiring instructions prior to wiring the money. We want to keep your money safe! 

XXXX XXXXXXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX Office : XXXXMobile : XXXX Fax : XXXX Email pkgs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX, IN XXXX Office : XXXX Fax : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion refused my dispute letter and said it appeared to be someone else when I sent it by certified mail. These accounts must be deleted immediately, and my attached letter needs to be processed according to the FCRA. I have also cc 'd my lawyer handling this on the attached letter.

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 2021-06-09
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I continue to ask to not call. Not to mention she calls before XXXX XXXX. I am exhausted and beat up over it. I get it. Covid-19 has create a stress factor and I XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Ocwen Financial Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PHH took out an LBI policy (lender Based Insurance) home owners insurance policy even though I/we have our own home owners policy.  Their action has caused our mortgage payment escrow amount to increase.  WE DO NOT OWE ADDITIONAL MONIES PER MONTH TO THE ESCROW ACCOUNT FOR HOME OWNERS INSURANCE!  WE HAVE OUR OWN POLICY WE PAY SEPARATELY!  We have on two separate occasions submitted proof of insurance.  They did not do their due diligence when merging certain department with a company called XXXX XXXX XXXX to verify ownership of separate homeowners insurance policies in our history dating back to prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the same address. They stated they had a different address while all along had they done their due diligence they would have seen both addresses same loan number and documents corresponding to the same address as the insurance declaration proof of insurance.Since XX/XX/XXXX we have been trying to correct THEIR mistake via the phone. Numerous calls.  Most recently PHH has placed a derogatory report on our credit.  This has adversely affected our credit and our ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Their investigation did not fix an error on your report

Complaint:
I have disputed multiple items that is being reported inaccurately on my credit report. And have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX was taken off my report and placed back on with a new age XXXX XXXX {$1200.00} XXXX XXXX  which is inaccurately reporting TWICE XXXX XXXX bank card which is reporting TWICE inaccurately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 has not fix my credit report or fico score after sent them documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Checking and Savings account with Citi bank in XX/XX/2020. The had a promotion " LIMITED-TIME OFFER EARN {$700.00} when you open new eligible checking and savings accounts and complete required activities ''. I have completed the required activities. I have waited required 60 days ( time to maintain XXXX balance XXXX +90 days ( time to wait for the reward ). I deposited these funds on XX/XX/2020. 

Their " online chat '' representative said this : " I see that you deposited the funds within 30 days from the date of account opening and maintained them for 60 consecutive days. 
... 
The bonus will be credited into your account anytime within the 90 days from the date of completion of the 60th day. 

That is you will be receiving the bonus within the end of first week of XXXX. 
... 
I see that the deposit is made on XX/XX/2020 and it is cleared on XX/XX/2020. So the period ends by the first week of XXXX. '' It is now XX/XX/XXXX. Even using their " cleared '' date, the waiting period has now exceeded the advertised 90 days. I still do not see the {$700.00} in my account. These dates are not difficult to calculate. They are clearly not following their own terms of the agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10
Company: Windham Professionals, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
DEBT COLLECTOR - XXXX, XXXX XXXX XXXX, XXXX, NH XXXX CLAIMED COLLECTION FOR : XXXX XXXX {$4600.00}. 

HAVE HAD TELEPHONE CONVERSATION TO ADVISE THE AGENCY TO DESIST FROM COLLECTION EFFORTS AND DO NOT CONTACT ME. AMOUNT LISTED ABOVE IS BEING ADDRESSED AS TO RESPONSIBILITY OF VETERANS AFFAIRS OR MEDICARE. XXXX ADVISES THEY HAVE TOLD PROCO TO STOP, BUT THEY HAVEN'T. 
I HAVE ALSO SENT A CEASE & DESIST CERTIFIED LETTER TO PROCO. STILL, I AM BEING CONTACTED FOR COLLECTION. COLLECTOR ADVISED THEY HAVE NOT BEEN IN THE OFFICE ( LISTED ON THEIR COLLECTION NOTICES ) SINCE 2020 AND CAN NOT CONFIRM RECEIPT OF THE LETTER. ADVISED TO SEND THEM AN EMAIL BUT GAVE AN ERRONEOUS ADDRESS.

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 2018-08-15
Company: Total Customer Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was told I owed for magazines that I ordered by phone in XXXX of this year. They verified my address, and said they had a recording of me ordering the magazines. It never happened, I have never received any of the magazines, ten of them, that he said I had ordered. He was very aggressive. I told him that it was a fraudulent debt, that either they, or the company that supposedly sent me to collection, had invented this debt. I am XXXX and I think they are just trying to prey on an elderly person. I told him that if they didn't call me back within 24 hours and either have a copy of the phone call I can listen to, or cancel the phony debt, I would report them to whatever agency I could. They called me back the next day and told me the debt was cancelled, without explanation. I just want it on the record that either they or a company with which they do business is preying on the eldery and anyone else who has this experience with them should report them as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient services my student loans. I have tried repeatedly to enter into the income based repayment plan. I have gone through forbearance several times as my income was low and wasn't given another option. I found out about Income Driven plans and asked to be enrolled. My first application was in XX/XX/XXXX. I submitted all information as required. On XX/XX/XXXX, I was advised documentation was missing. I submitted that immediately and nothing happened. I called and was told the application was not processed and I had to do it again. I submitted the second time on XX/XX/XXXX. Again I sent in all information required and again nothing happened. I even received a confirmation email that all was received. I called in twice to check the status and was told to allow 10 additional business days. Nothing happened. When I called the third time I was given another option to consolidate the 2 loans and in the process apply for an income driven repayment plan. I did so on XX/XX/XXXX. The consolidation was processed immediately. The repayment plan still hasn't been approved.

I am upset that for so long when I didn't really have income I wasn't given the option of applying for an income driven plan, but instead continued to be put on forbearance. And now that I have applied 3 times, nothing has been processed or approved. I started this almost 8 months ago and all the while continue to build up interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
this unknown account needs to be removed from my credit report because it is causing me and my family a lot of stress. thank you XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$6100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$6100.00}

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 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
This is a complaint reporting credit services. All my personal data was accepted, but did not get an email or to print it. I need my XXXX free credit reports 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 explanation