BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: AES/PHEAA
State: MN
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:
On XX/XX/XXXX, XXXX payments were processed by XXXX in the amount {$250.00} each. One payment was for the month of XXXX, the other was for the month of XXXX. Because these were both processed in the month of XXXX, FedLoans is alleging that no payment was made in XXXX, and that all payments made in the months that followed were considered delinquent. Ive reached out to representatives at XXXX directly. Their records show the two payments in question counting towards the proper months and theyve confirmed that my account has never been delinquent. FedLoans claims this negates payments I made on-time and in-full, spanning from XX/XX/XXXX until XX/XX/XXXX. 
During this time period, similar situations occurred in XX/XX/XXXX and XX/XX/XXXX, where two payments drafted in the same month were posted in XXXX records for two separate months. My XXXX records show two sets of {$39.00} and {$210.00} payments on XX/XX/XXXX and XX/XX/XXXX that count toward XXXX and XXXX of that year. Records show similar sets of payments on XX/XX/XXXX and XX/XX/XXXX. According to XXXX these counted as my XX/XX/XXXX and XX/XX/XXXX payments. 
For the period spanning XX/XX/XXXX to XX/XX/XXXX, XXXX determined that I did not have to make payments, based on my income-based loan application for that year. The attached XXXX records show {$0.00} payments each month and no delinquency or late fees associated with this time period. 
FedLoans is also alleging that no payments were made during the span from XX/XX/XXXX to XX/XX/XXXX. Ive attached bank statements from all XXXX months showing the withdrawals from my account. For XXXX, XXXX, and XXXX, Ive also attached screenshots of the payments shown within my XXXX online account. In XX/XX/XXXX I began the process of transferring my loan to FedLoans in preparation for student loan forgiveness. My bank statement shows that XXXX withdrew a payment on XX/XX/XXXX in the amount of {$2400.00} despite the fact that my online account does not show it. In my contact with the XXXX representative, they assured me that this payment was indeed transferred to FedLoans and that it would count toward the student loan forgiveness program. 
All of the above was discussed directly with FedLoans in XXXX and XX/XX/XXXX and a request was made that they recalculate my student loan payments. This is still in review. By my estimation I will have made 120 qualifying payments to my student loans in the next couple months and should be eligible for loan forgiveness at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Ocwen Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company did not give me the credit for the principle reduction. Further I was not notified by Ocwen about the settlement with the government despite writing them for the last 6 years. Why was I not included in the principle reduction. I have letters from that state my principle balance without the balloon payment. After I reported Ocwen to CFPB they went o. The attack made changes to my credit report and dropped my score over 30 points. I disagree with their response to you. Consumers including myself are still suffering at the hands of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
My paypal account has been permanently limited for absolutely no reason because i was carefully following paypal rules and i didn't broke any of them. 
I just received payments from friends and family on ( XXXX of XXXX ) the amounts are ( XXXX {$180.00} {$320.00} $ ) it was just a normal payment from my friends but suddenly on XXXX XXXX when i try to transfer money from paypal to my personal bank account they denied it and send an email that i'm no longer able to use paypal with no explanation why .so i called customer support for more than 3 times and every time they tell me that they're gon na get back to me within 3 to 5 days but they don't give any explanation on my paypal and they never get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First Federal Credit Control is attempting to collect three past due amounts in duplicate. They have submitted duplicate entries to XXXX and XXXX, showing I owe twice as much as I currently have been making payments on. They first reported the amounts on XX/XX/XXXX and then repeated the amounts as separate entries on XX/XX/XXXX. First Federal Credit Control needs to correct their mistake on both XXXX XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My XX/XX/XXXX statement indicated a minimum payment due on XX/XX/XXXX in the amount of {$30.00}. 

It also indicated a promotional plan expiration date of XX/XX/XXXX with a remaining balance of {$35.00}. 

On XX/XX/XXXX I made a payment of {$30.00}. On XX/XX/XXXX I made a payment of {$36.00}. 

On XX/XX/XXXX I contacted Customer Care to confirm that the amount above the minimum was applied to the promotional balance. I received written confirmation that it would be. However, my XX/XX/XXXX statement reflected otherwise. Subsequently, interest charges were applied. 

I filed a complaint with CFPB. The company responded but did not provide accurate information. CFPB closed the complaint without allowing rebuttal. This complaint includes additional documentation which reflects XXXX   failure to honor promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

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 2022-07-07
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account US DEPT ED # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: MS
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 was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please 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 2023-07-08
Company: Block, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I'm trying to dispute a charge for {$730.00}. And XXXX XXXX says with XXXX through my bank. Cash App they keep denying my dispute. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-01-10
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:
NOT A DUPLICATE COMPLAINT. This is in response to recent mail dated XX/XX/XXXX and received XX/XX/XXXX. Equifax has been ignoring my disputes, which is an FCRA violation. I know this because I have been disputing incorrect, conflicting information on accounts and violations on accounts ; YET, Equifax keeps sending me " results '' stating this item belongs to you. Since I've just disputed the fact that a collection account is ILLEGALLY REPORTING A PAST DUE and all you send me is the same generic 'we 've verified that this account belongs to you ' message, that makes no sense whatsoever! Furthermore, please tell me how this same account reports a " date of first delinquency '' in XX/XX/XXXX, TWO YEARS  BEFORE THE ACCOUNT REPORTS TO BE OPENED ON XX/XX/XXXX and not one human being deletes this account for such a blatant violation! The other two accounts I'm disputing have TWO DIFFERENT, CONFLICTING " ACCOUNT OPEN '' DATES ; yet, for these two accounts as well, I got the very same generic " ... this item belongs to you '' message when that isn't even what I was disputing! Equifax has proven that it has not read nor properly settled my disputes! I called a day ago and spoke with a rep who even stated to me that they send the creditors alerts to do an investigation. THAT is what Equifax considers to be their own investigation, which is no investigation at all! Look up the call record on my file! To help you all find it, I even submitted a dispute into false and extremely outdated addresses on that same call. I've attached the disputed accounts, as well as my ID & SS card in a document. PLEASE EXPEDITE THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2018-09-07
Company: JPMORGAN CHASE & CO.
State: NJ
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:
My wife and I have a Chase Bank XXXX XXXX XXXX   Card. On Sunday, XX/XX/2018 my wife contacted Chase Bank via phone XXXX and spoke to a Chase Bank representative to apply accrued purchase rewards to a XXXX gift card. On Tuesday, XX/XX/2018 while reviewing our Investors ' Bank checking account online ( linked to Chase Bank ), we found an unauthorized statement payment of {$4800.00} to Chase Bank resulting our Investors Bank checking account to have a negative balance resulting in overdraft fees. We immediately contacted Chase Bank to refund the unauthorized payment to our checking account at Investors Bank. The representative agreed. We were informed this would take 3 to 5 business days. Any overdraft fees would need to be handled through a separate complaint with Chase Bank. Why would Chase Bank allow their employees to process unauthorized payment transactions that would eliminate all funds from their customer 's linked checking accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
After my lease was bought out by the dealer a got a new car from, Ally Financial still billed me for another month of the previous lease. After numerous calls, they finally agreed that the car was not under my possession anymore and that they will send me a check for the amount owed. I was given a reference number for the check and was told that I would be receiving it in the next couple of days. After 2-3 weeks I followed up with them and they said that they could not process the reimbursement because my account was closed and they could not get access to my information anymore.

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