BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19 Bank of America charged me 2 overdraft fees on my account. One was for a reoccurring payment for XXXX which was set up via debit card. I explained to BOA that payment was debit and should not have been paid. BOA explained that they pick and choose who theyll still pay if you dont have the funds to cover it. I never agreed to this type of banking. I feel that BOA is getting over on consumers by paying smaller amounts ( which still is not available in my account ) then charge you a overdraft fee due to the funds not being available but wont allow other payments to go through even though its the same situation. I will be closing my account with BOA due to improper practices and not informing consumers on why or how they conduct business.

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 2021-09-17
Company: EQUIFAX, INC.
State: MI
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:
Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I see y'all XXXX still XXXX playing with my credit u XXXX XXXX I WILL BE TA SEE YA IN XXXX GA MONDAY GOT XXXX MORNING BEETA BE READY CAUSE I DID THE XXXX PROCESS AND Y'ALL REFUSE TO DO XXXX AND CFPB Y'ALL AI N'T XXXX EITHER TO LET THIS FRAUD continue tho until somebody get hurt cause XXXX out here trying and y'all think I 'm gone let u keep doing bogus XXXX XXXX to me I THINK THE XXXX NOT I ask nicely to get that XXXX XXXX off my credit SO DAT WEB SITE TO FIND FOLKS OK ... I 'm federal property and all debts are prepaid so how the XXXX all that negative XXXX get the XXXX on my credit but JUAT cause u put FREEDOM in a book u think a XXXX ca n't and want read y'all XXXX move in commerce every XXXX day but think we do n't kw wat the XXXX yall doing so it 's my on now NO KEEP PLAYING WITH ME ... .HOPE Y'ALL CATCH A XXXX AND GO XXXX YOSELF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: CNG FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern, XX/XX/XXXX I took out a payday loan at XXXX XXXX XXXX XXXX. I took out a loan for XXXX I Miss a late payment. I paid the entire loan off In XX/XX/XXXX. I have receipt to prove my merits On this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
when i opened my credit report i saw an offer that indicated that i should put my information to accept an offer that was suppose to check my final qualification without affecting my credit which turn out to be false because it immediately affected my credit as an inquiry, it is a false advertising and confusing at the best

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
failure to respond now in fault legaly enclosed companies fail to respond or refuse I request that this alleged account be removed Documents enclosed

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 2017-11-19
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:
Im a victim of identity thief. After learning of this I contacted Transunion and reported the inquiries and items that were fraudulent. They place a fraud monitor on my report but never removed the items. Recently someone tried to open accounts under my name and it was unsuccessful but still the inquiries were reporting on my account causing my credit to decrease ... 


XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX XXXX and I'm a retired XXXX XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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: Was not notified of investigation status or results

Complaint:
I have written the credit bureaus on several occasions About the accounts on my credit report. They have few refused to do a thorough investigation Which now I believe they have automated the entire process. 

I am asked for proof That the claim has been verified but I have not received a response and it is been 60 days. That counts that appear on my credit report have not been investigated and I simply asked for an investigation according to the FCR a standards. 

By law they have no right to report on my credit report without a legal investigation they must delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am still being affected by the covid 19, and the company wont help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  XXXX transFer mortgage to Gregory funding to serving. snd. also. sold my mortgage. ownership and. 
new owner. # acc. is. the. same. as the new servicing. 
company. I need to request letter of mortgage truth lending disclosure statement

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 2017-11-19
Company: AFNI INC.
State: IL
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:
Afni collection for XXXX. I did not open an account last year. Someone used my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: MS
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 reviewed my credit report and reached out to each credit bureau ( XXXX XXXX ) ( Experian ) to be provided no assistance with my issue. I do not and continue not to recognize inquiries on my credit report as I previously explained to the representatives on at least 8 occasions.

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 2020-05-01
Company: CITIBANK, N.A.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number 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 explanation
Consumer complaint received 2022-02-02
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:
The XXXX and Transunion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( 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 non-monetary relief
Consumer complaint received 2021-02-11
Company: Freedom Mortgage Company
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My VA mortgage was sold from another vendor to freedom in or about XXXX of XXXX. Since, my mortgage has not shown up on my credit report from any of the 3 agencies. When I asked they responded that according to RESPA they would not report for 60 days. OK, well that's been far past the 60 days and still is not showing at all on my credit report. It was placed into forbearance back in XXXX but according to CARES ACT the loan is still suppose to report as a neutral status in forbearance status. This is not happening and Freedom is refusing to fix. I have called on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked for assistance. I am told each time they aren't sure the reason but assure me a date is scheduled to show. every time the date passes and another one is given. I am trying to refinance, which i explain to them, and this is detrimental to that process. I have paid the mortgage up to date and have also requested it be removed from the forbearance status, which has also not been done. I've done everything required and asked, but they will not help me. As a veteran this is every troubling as this refinance is critical to my financial health. I'm not sure what else to do?

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 2017-03-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
My name is XXXX residing in XXXX, NC. I am asking for a copy of my credit report after it has been disputed and updated with proof of investigation. I have applied for credit and I have been turned down.

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 2019-05-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I used my PayPal account to buy tickets to a fundraiser event. The person listed as XXXX XXXX told me to send the money {$62.00} as " friends and family '' to them directly for the tickets and then they would email me the tickets. I sent the money and the person told me they never received it. I called PayPal that day and they said the transaction was good. The person scammed me and never gave me the tickets. I called the PayPal representative back and they said to block the transaction through my bank account. I paid an additional {$30.00} to block the payment. Then PayPal had a negative balance on my account saying I owed them the money. I called and spoke to a representative again and said I was scammed. They said they couldn't refund the money sent because I sent it under " friends and family '' and that I was responsible to pay the {$62.00}, even though I was advised prior to blocking the payment. I am very upset the way things were originally advised for me to do and I would like some help in recovering my {$62.00}, even though I am out now {$92.00} for the additional {$30.00} stop payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: TN
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 three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.

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 2019-05-09
Company: DFC Global Corp.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the  aforementioned permissible XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted a disputed in XXXX and never received any results. Then after more than 30 days I ask for the results and received a results and I ask for a method of verification on those disputes. Im not getting nowhere on these difficult times withTransUnion.

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 2019-05-09
Company: AES/PHEAA
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: Their investigation did not fix an error on your report

Complaint:
Good afternoon, My servicer XXXX, American Education Services, sent me mailing about my deferment ending. I called in and spoke with a representative in XX/XX/XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into AES and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citi Bank Double Cash Card- XXXX XXXX XXXX XXXX XXXX , South Dakota . 

Was approved on XX/XX/2018-XXXX dollar credit, cash back and XXXX dollar annual fee.

I continue to receive letters and e-mails about my account. I have spent over four hours trying to resolve, why the card was not received. In XXXX, XXXX and now XX/XX/2018. The company passes me from dept. to dept. and places me on hold. 

Three times they have said, it would be sent via 2 day XXXX XXXX it has never arrived.

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 2021-06-09
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV Funding LLC : collecting debt for XXXX XXXX Bank. {$560.00} 2016 reported Identity Theft with XXXX 
XXXX : collecting for XXXX {$190.00} reported identity theft to them and to credit bureaus identity theft. 
XXXX : collecting for themselves. {$530.00} reported to them and to credit bureaus identity theft. 
XXXX XXXX : collecting for themselves. {$1000.00} reported to them and credit bureaus identity theft. 
XXXX XXXX collecting for themselves. {$500.00} reported to them and credit bureaus identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
i need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you are reporting damaging information to my name. 
Please review the following Account Name : XXXX XXXX Account # : XXXX You are reporting this account as late, delete for inaccurate reporting attached is a letter from XXXX  XXXX proving the late payment is inaccurate

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