BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XXXX ( Student Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( Student Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XXXX. A detailed debt validation letter was sent on XX/XX/2018 ( USPS Certified Mail, reference # XXXX ). 
There is a violation due to lending practices of XXXX as stated per CFPB vs XXXX. Until there is a finalization of the current findings of violation, XXXX should not report any accounts of fraudulent nature to all the credit bureaus.

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 2019-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - Capital One XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I requested a loan from Bank of America to XXXX on XX/XX/XXXX. The XXXX was sent but for unknown reasons the money just sat at XXXX. On XX/XX/XXXX the money was supposedly returned to BAC, me, or other reasons XXXX gave me. I contacted BAC and was told to continue with XXXX to find the money. XXXX finally told me the money went to XXXX and to contact them. XXXX  does not talk to individuals but they said the originating bank had to contact them. As of XXXX I have contacted BAC multiple times. Some conversations were helpful but most were a dead end. Meanwhile I had completed multiple transfers from other banks ; but some one at BAC charged ahead and paid the loan I never got with my other funds. I should have never been in this position. I have never been compensated for the XXXX, there is no communication, and my credit is getting weird. I want my money so I can move on to another bank. It has been 5 months and my patience is gone.

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 2018-11-27
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Current : XXXX Original : XXXX  Account number : XXXX Agency reference number:XXXX Balance : {$500.00} Someone in my roommates stolen my info opened a XXXX  account for a new XXXX, after I found out it he returned the phone to XXXX and apologized to me. 
BUT XXXX push me to a collection company and make them call me every day that asking me to pay them a early termination fees!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: BBVA FINANCIAL CORPORATION
State: NY
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 opened an account with Compass Bank in 2018 for a personal loan and this coming year I had trouble with the payments but was always on time. I reached out to see if there was a way they could lower my payments. They offered a Loan Modification program which I would agree to pay the trial payment that was listed on the contract that was presented to me. On the contract it states that I was only responsible for paying the trial payments and not the regular loan payment I was making before this program. I successfully made each trial payment and was approved for the Loan modification program but they sent my credit report a 90 day past due delinquency and dropped my credit score 63 points. I was not aware that they still reported my account being past due when I was not past due especially with the contract I signed stating that I was only responsible for the trial payments. I contacted these people numerous times about this issue and they would not help me they turned their back on me. I disputed it and it was still rejected stating it was correct information which it is not. Since then I have been trying to figure out how to get my credit score up because they refused to remove the delinquency from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A scamer stole an actual businesses ( XXXX XXXX XXXX ) info, all social media platforms allowed this activity to continue. I researched the company, felt it was legitimate with an actual storefront. I followed directions to make an online purchase of {$1000.00} on XXXX payment was made, paid via paypal. Business issued a refund and asked me to pay via friends and family ( so i would have to pay transaction fee and they receive funds immediately ) which i did. At that point I did not know that paying via friends and family isn't covered under Paypal 's protection. I'm personally shocked that Paypal has no notification that a duplicate transaction took place without a warning to me to verify that activity. They also allowed the friends and family payment to go to a business which according to them isn't allow, and would be protected under their privacy policy. I have contact my bank, Paypal and XXXX  police, no one is able to stop or recovery my funds. Paypal is profiting from fraudulant activities and doesn't seem to have any accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
During the last 3 years, navient has been charging me close to XXXX dollars a month. My current income is XXXX a year. I have been on the phone with them several times over the years so come up with a lower monthly payment plan. They claimed I can not do that. They also claimed that Ive been in forbearance twice for deferred payments. Even though Ive been on auto pay since 2015. They provide no help for economic hardship and claim Forbearance is my only option ( which I have to pay for just to get it ). My bank accounts have no proof of deferred payment activity or forbearance. But apparently On their side there is. Im extremely frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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've been a Nordstrom client for years. Earlier this year I had a medical procedure which had me XXXX  in a hospital, which caused XXXX and XXXX  XXXX. Due to my condition, my dad was entrusted with handling my finances. Unfortunately, to make the Nordstrom payment, he input the wrong checking account, which was my XXXX checking account, which didn't have sufficient funds to cover the payment, whereas he was to use my XXXX XXXX account, which did have sufficient funds to make the payment. Due to this I incurred a late payment, even though my active bank account at XXXX XXXX had over {$20000.00} at the time to make the payment. 
I had spoken to and forwarded proof of the funds and proof of my medical problems to Nordstrom, and asked that they remove the late payments. But they refused to make any such concessions, despite the fact that I was severely XXXX  and had sufficient funds to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: WA
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:
XXXX is reporting A tax lien that doesnt belong to me as XXXXX2017 and wont remove it, Equifax is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which are Hippa Law violations as well as child support that are 180 days late and deliquent XXXX And XXXX is reporting Child support Enforcement as of XXXXX2017 as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I noticed late in XXXX that XXXX XXXX has reported inaccurate information on my credit reports. My credit reports shows that i have been late a total of 13 times and that's not accurate. I contacted XXXX XXXX several times to resolve the issue. They informed me that I was only penalized four late payments since the credit card was established. Out of the four, two of those late fees were disputed and refunded to me, and that information is Highlighted on the statement summaries attached to this complaint. On XX/XX/XXXX, I had a late fee which was Adjusted after I called XXXX XXXX to dispute that it was an error on their end which they agreed to. The adjustment can be seen on my XX/XX/XXXX statement summary. 
On XX/XX/XXXX, I had another late fee of {$35.00} and it was also refunded and can be seen on the XX/XX/XXXX statement summary. I reached out to XXXX XXXX to inform them that XXXX has 13 late payments on my report and they told me it has nothing to do with them because their system doesnt show 13. I was advised to contact XXXX and have them correct my report. I filed two disputes through XXXX  to have the report corrected and XXXX XXXX failed to reply to the them in time. I filed another this dispute with XXXX on XXXX XXXX and never received a response from XXXX XXXX. It is absolutely absurd that XXXX XXXX refuses to correct my reports. How can they report me for 13 late payments when i was only late and penalized 4 times?

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 2018-11-27
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Your case ID is : XXXX My name is XXXX XXXX and my account was limited with {$420.00} I was advised Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I also called customer service for assistance. I tried withdrawing funds and it would not allow funds to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.

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 2020-11-09
Company: Experian Information Solutions Inc.
State: CA
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:
I have contacted Experian about negative inquires on my credit report and customer service was not able to help or take care of this. I have been a victim of their inquire issue. 

XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX thank you

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 2020-04-27
Company: EQUIFAX, 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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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:
I recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. Thank you.

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 2020-11-09
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: Information belongs to someone else

Complaint:
I DID NOT AUTHORIZE ANYONE TO USE MY NAME OR PERSONAL INFORMATION TO SEEK THE MONEY, CREDIT OR LOANS DESCIBED IN THIS REPORT. I'VE CONTACTED THE BUREAUS AND CREDITORS REGARDING THESE FRAUDULENT ACCOUNTS OPENED IN MY NAME USING AN ADDRESS THAT I DO NOT RESIDE, XXXX XXXX XXXX, XXXX XXXX CA, XXXX. THESE ACCOUNTS STILL APPEAR ON MY CREDIT FILE AND NEED TO BE REMOVED.

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 2020-04-27
Company: 21ST MORTGAGE CORP.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I got a couple of months behind on my 2nd mortgage due to moving my mom XX/XX/XXXX into a XXXX  building and dealing with XXXX XXXX since XXXX. I started XXXX  XXXX received a XXXX XX/XX/XXXX and spoke to the mortgage company of my situation. However, they would offer solutions that I couldn't meet and I refuse to agree to something I knew it was impossible for to meet due to my mothers income is used for her care and my short pay/no leave in working due to XXXX 3  days a week and being out for my XXXX XXXX. To this day they still will not allow give me an offer that is acceptable that I can meet. I sent an email the CEO down to financial counselor on XX/XX/XXXX. He responded on XX/XX/XXXX, stating they assisted me in XXXX, XXXX and XXXX. I tried to email them all again today XX/XX/XXXX, only to find out all the email address have been changed/blocked and I can no longer reach them via email or phone. I spoke with the financial counselor today XX/XX/XXXX to make a counter offer. They wanted me to pay {$1100.00} by XX/XX/XXXX and they pay XXXX and XXXX. I would start fresh in XXXX. I know I can't come up with that amount during this time of uncertainty. So I counter offer and requested that the {$1100.00} be put on the back of the loan, their agreement would still stand with them paying XXXX and XXXX, that would allow me to start afresh in XXXX with making regular payments. They would not accept nor would they discuss any other options with me. I stated to then I could NOT accept an offer I know I couldn't do. I didn't think my offer was unreasonable. I just need help to get restarted. XX/XX/XXXX I was one payment behind. The government was shut down XX/XX/XXXX to XX/XX/XXXX no pay for government  of contracts  during that time. XX/XX/XXXX I was 3 payment behind due to the shut down email XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$250.00}. I made a payment for {$450.00} XX/XX/XXXX. XX/XX/XXXX I mailed a payment of {$400.00}. XX/XX/XXXX payment of {$250.00} was made and XX/XX/XXXX a payment of {$630.00} was made. I have been trying to catch up but due to everything that is going on it's impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 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 2019-05-17
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ
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:
I did not authorize my credit to be pulled by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date of service for my husband ( I am the insured ) was XX/XX/XXXX. Debt was paid XX/XX/XXXX after our bank accounts were 100 % frozen ( in violation of New York Exempt Income Protection Act ). Satisfaction of judgment was issued from the debt collector 's office. Shortly thereafter we began to receive requests for further payment under same account number and also requests for different dollar amounts under a different account number. All were requests for same date of service that was already satisfied, along with threats of income execution. Voice mails that were left were never returned however one time we did call and speak to a XXXX XXXX who said he would send documentation. We responded in writing to each request being that supporting documentation did not indicate a second unpaid charge and in some cases documentation from hospital stated XXXX balance due from patient from that date of service. Our last communication to them in XX/XX/XXXX stated that we were disputing the debt and in XX/XX/XXXX we received the same document that they had sent multiple times along with a payment authorization we signed upon admittance to the hospital- still not indicative of a second charge from this date of service.

Company response to consumer: Closed with explanation