BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've been having issues with getting the bureaus to correct the information on my reports. There have been no validation or supportive documentation showing the accuracy of these accounts relatable to my personal information.

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 2021-01-29
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal Credit Union took all the money in my checking account and applied to a credit card I had with them. They did not ask permission and i did not permit this. The transaction was unknown until my account was declined use. There was over XXXX in my account. When they took it to XXXX. 

This is against the FAIR CREDIT BILLING ACT. They can not take money from someone's checking without permission. More importantly the money in my account is from the VA pension. This money can not be touched by any entity EVEN with court approval. Not even child support can be taken. 

I have called numerous times. i have been yelled at. Told I was wrong. That i am ignorant and a thief ( will not pay the debt off under any circumstances, until they reimburse me for property taxes I did not owe ). All of these calls have been recorded my NFCU and myself. 

I am a XXXX  % XXXX vet. I recently lost my job. i am a single father to an XXXX child, not to mention I am also XXXX  ( a reason I was XXXX retired ). I have filed numerous complaints. I have contacted news. I have sent NFCU the regulations they are breaking AND still nothing. I have reached out to my senator, mayor, congressmen, POTUS. Will continue reaching out to their uppers ( already contacted their CEO and head of the board ). 

They robbed me. Left me penniless and seem to not care in the slightest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau & The University of XXXX  are reporting erroneously on a debt and it must be removed. I recently checked my credit and noticed this debt. I took a closer look and noticed that they are actually reporting on the same debt! Nobody can seem to help me with this situation and it is ridiculous. This is a violation under the FCRA and the FDCPA. If this is not resolved I will be contacting the attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days a so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Fedloan Servicing is not following the instructions on how to credit the payments to my student loans. These are beyond the required monthly payments and are extra payments made to pay off the balances early. Despite providing specific instructions in writing and on the physical checks themselves to apply the payment to the highest interest loans, the company took it upon themselves to distribute the payments across the loans as they saw fit, disproportionally towards the lowest interest loans. 
XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest Balance % of total Balance Payment % of total payment XXXX 4.25 % {$430.00} 7 % {$110.00} 23 % XXXX 3.15 % {$2200.00} 34 % {$130.00} 27 % XXXX 3.15 % {$2600.00} 40 % {$160.00} 33 % XXXX 3.61 % {$1200.00} 19 % {$84.00} 17 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$4.00} 1 % XXXX 3.15 % 34 % {$170.00} .00 34 % XXXX 3.15 % 40 % {$210.00} 43 % XXXX 3.61 % 19 % {$100.00} 22 % XX/XX/XXXX {$500.00} check payment processed. 
Disb Date Interest % of total Balance Payment % of total payment XXXX 4.25 % 7 % {$140.00} 18 % XXXX 3.15 % 34 % {$220.00} 28 % XXXX 3.15 % 40 % {$280.00} 35 % XXXX 3.61 % 19 % {$140.00} 18 % I have contacted the company multiple times requesting for them to submit the payments as instructed on the checks in the uploaded documents but each payment I submit they disregard the instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOME HOW THESE ACCOUNTS WAS OPEN IN MY NAME WHEN IT WAS TO BE OPEN IN MY SON NAME WE SHARE THE SAME NAME HE IS A JR AND I AM A SR I WISH TO HAVE THESE ACCOUNT REMOVE ASAP BECAUSE IT IS NOT 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 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I initiated the request for mortgage assistance with Bank of America at the end of XX/XX/XXXX. I was unemployed from XX/XX/XXXX to XX/XX/XXXX and my new salary was reduced by 20 %. I filled out the required information, submitted the requested documents, and was promised a quick turn around. It is now XX/XX/XXXX. BOA has asked for dozens more documents, letters, revised RMAs, etc. It is never enough. This is obviously a run around process to discourage me from seeking a modification and pushing me to a refinance. I am seeking a reasonable offer to modify my mortgage ; it is currently a 15 year, XXXX mortgage, with a principal, interest, tax, and insurance payment of close to {$6000.00} a month!

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 2020-10-15
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX Account number XXXX Asked this company to remove this off my report since this is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Paypal Holdings, Inc
State: NY
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 made a payment on XX/XX/XXXX to my attorney through PayPal. Once the payment left my XXXX XXXX card, the PayPal account email address was not active. PayPal advised that I make a second payment, which I did. The first payment was {$1600.00} plus the fee of {$47.00} total of {$1600.00} and the second was {$1600.00} with no fee to me. My attorney received the second payment to the updated email address, however, PayPal never returned my first payment of {$1600.00} to the incorrect PayPal account. Both were owned by my attorney, and both he and I have spent the last 3 months trying to get the money back. The first rep from PayPal advised me to raise a dispute with XXXX, I did that, and then after calling daily for 3 weeks I demanded to speak to a manager as each PayPal rep said it was out of their hands. When I spoke to the supervisor he said that the first PayPal rep should never have told me to raise a dispute, and that I now needed to cancel it. I cancelled it on the XXXX of XXXX and it was fully completed by XX/XX/XXXX. PayPal then said the same things to me, that I need to contact XXXX XXXX, I put both XXXX XXXX and PayPal on the phone multiple times and then PayPal said I needed to wait for the dispute to show cleared before they could do anything further. Nothing changed, until PayPal stopped having live reps on the phone due to COVID-19, and I could only do a Live chat message. I did that consistently, and they continue to say the same thing. In the meantime, my attorney managed to get into his old account, and saw where the money had been deposited, but that PayPal removed the funds as it is showing a XXXX  balance in the PayPal account that is not even active. I am occurring monthly interest fees, and am XXXX. Every penny helps, and I really need some help to finding out what is going on here. I would greatly appreciate your help with resolving this matter. Any advice or action is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I have since filed a claim with both XXXX XXXX XXXX and Midwest Recovery Systems. Stating that they would look further into the situation. According to my credit report they have not removed the defaulted information or have they put the claim is as a dispute it now appears on my credit report as a collection and 30 days past due. This needs to be taken care of immediately. I have reached out to both companies and neither company has returned my numerous phone alls. At this point it is fraudulent activity on my credit report. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. XXXX XXXX also sent this account to this collection agency. XXXX XXXX XXXX has been moving this account around from one collection Agency to another, even after they have acknowledge the account has been paid in full. This is fraud. It is currently causing me a hard ship in receiving a mortgage. The file submitted below has already been sent in to the CFPB however it has never been addressed directly by XXXX XXXX XXXX in Conjuction with Midwest Recovery, only the former debt collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions 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 received a notice from Experian that I had an unpaid account with XXXX. I never opened a credit card with XXXX and I disputed the claim. Experian notified me that the company verified the information and so the issue will remain on my account. I don't know how the company verified this because I never opened a card with 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 2020-05-18
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Within the past 12 months, I opened two store credit cards : XXXX and XXXX XXXX XXXX and XXXX XXXX issued these cards. I began receiving threatening calls from XXXX XXXX  representatives in XXXX ( XX/XX/18, XX/XX/18, and XX/XX/18 ; I received one call prior to XX/XX/18 where the individual stated he was from XXXX XXXX but I did not write down the actual date he called ). The calls are stating I need to give them the name of my attorney and I need to return their call immediately as they need to take action on my account. I've only returned one of these threatening and upsetting calls and when I spoke to the person, she could not tell what she was calling about or why I needed an attorney. 

I contacted XXXX and XXXX XXXX XXXX about my accounts and both businesses confirmed my accounts have a XXXX balance ; I requested a XXXX balance letter from both companies and have the letters in my possession ; they are dated XX/XX/18. 

All of them are telling me to return a call to XXXX and when I call the number, it answers, " thank you for calling XXXX ''. I want the calls to stop. I have listed my phone and my employer 's phone number to stop the harassing calls. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: MN
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX, XXXX and XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WF CRD SVC ( Account # XXXX Date opened XX/XX/2015 Balance - ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose.

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 2021-01-29
Company: Experian Information Solutions Inc.
State: CA
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 wrote a letter to the consumer reporting agency on XX/XX/2020 disputing an account that is reporting on my credit file. The consumer reporting agency stated that they investigated and the company XXXX XXXX account # XXXX verified the information as accurate. I received a letter from XXXX XXXX on XX/XX/2020 which they clearly states they are unable to locate a record of the account I requested debt validation. This company has did not do its due diligence in investigating.

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 2017-08-03
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company continues to call me throughout the entire day from different numbers. I have asked them to stop previously through the CFPB and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Cardinal Accounts, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I lived in XXXX XXXX. Beginning in XX/XX/XXXX, I started seeing wasps in my apartment. From XX/XX/XXXX through XX/XX/XXXX I made constant reports. Initially they only sprayed bug spray around the building. Then they brought in professionals. The professionals came out three times and each time they found more and more wasps nests. Several times throughout this period I had no choice but to inconvenience myself and family by staying at their house or not leave my bedroom into the rest of the home due to so many wasps. At this time I was paying rent for an apartment I was pretty much not living in.They offered to move me into another apartment but I would have had to stay in mine for another month because they would only move me into an apartment the same size instead of what was available. At this time my son was six years old and to keep my son safe I had to move and I did it as quickly as possible since I had been dealing with the wasps for almost three months at that time. XXXX violated my lease by their failure to provide a safe and comfortable environment as stated in my lease. On the day I left I gave them a letter detailing everything in this letter to explain my decision to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Unauthorized inquiry on my credit report from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XX/XX/XXXX Participant

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: Experian Information Solutions Inc.
State: NV
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 aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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 made two requests to Equifax by means of notarized letters transmitted by certified mail with return receipts. The aforementioned requests were that the company either remove inaccurate info or provide written proof that the alleged information is correct, to include sending me the original credit applications and sending me proof of an alleged bankruptcy. The company has not complied with my requests. I request that your agency intervene by compelling Equifax to comply with my requests. 

Further, Equifax just made an unreasonable request. They've refused to further act on my requests until I prove my identity by mailing my driver license and social security to two ( 2 ) desperate Equifax mailing addresses. I feel that this is an excessive request. Why do I need to mail the information to two locations? I am an identify theft victim. I'd like to avoid having my personal information and ID cards floating around different places. Equifax truly is being abusive toward me and I wish that they'd stop.

Company response to consumer: Closed with explanation