BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$420.00}, XXXX XXXX XXXX XXXX Balance {$1400.00}, XXXX XXXX XXXX XXXX Balance {$630.00}, XXXX XXXX XXXX XXXX Balance {$500.00}, XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX XXXX XXXX Balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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: Credit inquiries on your report that you don't recognize

Complaint:
All three major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false misleading ways.
According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the CFPB to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$7800.00}, XXXX XXXX Balance {$380.00}, XXXX XXXX Balance {$7100.00}, XXXXXXXX XXXXXXXX Balance {$3200.00}, XXXX XXXX XXXX Balance {$230.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX XXXX started a paypal account to receive money for an accident that was settled out of court. I had never used paypal before but it was the only way the sender said he could send it. I started the paypal page without knowledge that I couldn't link a prepaid debit card. On attempt to connect my XXXX XXXX card it didn't link. I tried my XXXX card it wouldn't link. I thought I could link my spouse card cause it was an actual bank card only because I'm allowed to do so on XXXX XXXX. In doing so I seem to have violated paypal security policy an was locked out my account I received an email that said the account was permanently locked an I would have to wait 180 days. I found that a lil hard to swallow so I continued to call and speak to different reps and one told me if I submitted the my id an my spouse bank statement they would see it review it an my money would be released in the hour. I did so an didn't receive a email back so I tried to call back an the office was closed. So the next day I called an they said they received the documents an it was not going to be able to take the limitation off the account and I would have to wait 180 days. This is a big inconvenience because like I said initially the money was for repairs of my vehicle an in turn it hasn't been fixed an my spouse is at risk of losing his job an no money is coming in to pay bills because we don't have transportation. I have all documentation including the source of the money to prove no fraud had been committed. I understand I am being penalized for ignorance an they have every right to close the account but to hold my funds is Ludacris to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Benjamin Chaise & Associates
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
they keep calling I have explained to them its my debt its not XXXX but they keep calling harassing me using threatening phone calls that will take everything I own seize my bank accounts, they keep saying just pay the debt its easier they keep telling I have told them to stop calling my cell phone but they do n't stop they keep calling from private numbers. 
They even called me this morning XXXX/XXXX/XXXX and once again I stated stop calling and XXXX XXXX said just breath since I know what happen in XXXX XXXX today to breath I told him to XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For years, the student loan servicing company Navient allegedly encouraged student loan borrowers to enter costly long-term forbearance programs that pushed them further into debt, as well as take on private loans they couldnt pay back, according to lawsuits filed by several states, and joined by 39 attorneys general. 

Those claims were resolved through a settlement announced yesterday ( XXXX XXXX ) affecting some 400,000 borrowers. Navient says it will cancel {$1.00} billion in private student loan debt for 66,000 borrowers, as well as pay an additional {$95.00} million in restitution to 350,000 people with federal loans. The former deal mostly focuses on students who took out loans to attend for-profit colleges between XXXX and XXXX. 

I was part of both Sallie Mae and Navient and would like to have my loans considered. I can not move forward in my life to even purchase a home at my age because of this one school of XXXX that I went to

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX  ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the  creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is attached.

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 2019-01-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX at XXXX XXXX  I was approved for a XXXX XXXX credit card with a credit limit of XXXX I attempted to buy some shoes but they didn't have my size in stock so they told me that they can order it for me and then a purchase was made of XXXX plus XXXX in sales tax. I waited a long time and i still hadn't received my shoes, so i went to the store where i made the order and i told them to cancel it and i thought all was well at that point BUT several months later i started getting calls from a collection agency calling on XXXX   behalf saying that i had a pending balance of XXXX dollars or so and i explained to them that i cancel the order and they agreed that it was a mistake and they would fix it But after the new year past and it was XX/XX/XXXX now i would receive a call from them again saying that i owe XXXX dollars and i again told them the situation and they agreed to fix it again. I believed the problem had been resolved. But to my surprise as i stated to learn about checking my credit and i see that this mark still appears on my credit report and it has been damaging my credit substantially for almost two years and i contacted city bank but they refuse to be of any help i ask them to send me the info about my cancel purchase and they said they couldn't do it, they said they don't have the authority to do it and i ask them to get me someone who could and they were still of no help. So now i have to take matters into my own hands since they aren't being of any use

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 2018-03-01
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX I ordered an access point from XXXX that I received an email PDF attachment bill of lading for, which would have any business person assuming product was in stock and was shipped. I find out that XXXX refunded my money, didn't send catalog either, and on XX/XX/XXXX shipped product, but didn't show on my bank account that money was refunded, yet showed new deduction of {$57.00}, and my account was overdrawn. I called PNC Bank after calling XXXX on XX/XX/XXXX when I saw an email of the overdraft fees. If PNC did correct all my fees from not alerting me if the money XXXX put back in my account, after I saw it deducted on the XX/XX/XXXX, I would have {$5.00} before SSI deposited {$750.00} into my account, including my {$40.00} withdrawal and {$6.00} purchase. Plus PNC is double charging an extra {$3.00} fee for using an outside ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 # XXXX9 US DEP ED and Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Has also violated my rights. It is against Fair Credit Reporting Act 15 U.S.C 1681b Section 604 for an entity to view my credit report without a permissible purpose. The inquiry was performed under false pretenses 15 U.S.C 1681 States I have a right to privacy. 

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

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 2018-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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 rewards from credit card

Complaint:
I had my cash back rewards set to automatically redeem at the end of each month and go into my Bank of America savings account. The problem started when I closed this savings account due to high minimum account balances and high fees. 

When I closed my savings account I changed my preferences online so that my credit card rewards were not automatically redeemed each month. I also called the bank to close the savings account and specifically asked if there was anything else I needed to do to make sure the credit card rewards would not be automatically redeemed to a closed account. 

I closed the savings account in XXXX 2017. Each  month since then, my credit card rewards show a XXXX  dollar balance and it says the rewards were redeemed. It does not show which account the money went to. I call BofA and explain the situation. Each time they assure me it will not happen again and that my cash back rewards are not set to automatically redeem. 

The cash back rewards are not insignificant amounts for me. Since XXXX 2017, they have " lost '' a few hundred dollars of my cash back rewards. When I bring it to their attention they " find '' it, but if I am not paying attention and continually following up with them I fear they will not fix the situation.

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 2022-04-07
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-07-13
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Ocwen Loan Servicing is reporting a negative balance on my credit report. I do not owe Ocwen any money and have no business with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting  corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap.  The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX.  All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again  if needed. 

Copies of bureaus incorrect reporting is attached.

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 2017-12-26
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My complaint may not fit the category that I chose. 

I recently took out a consumer loan XXXX XXXX XXXX. It has since been reported to the credit bureau 's. I 'm currently using the app XXXX XXXX, to monitor my credit because of the Equifax hack, and it 's reporting my credit score with Equifax has dropped XXXX points, bringing my score under XXXX. I contacted Equifax and they can not tell me over the phone what my score is. I have to pay {$8.00} to have it mailed to me. They also said XXXX XXXX gets their reporting information from a different source then where they do. 
But per the XXXX XXXX website it states that they do n't calculate scores, the score is provided directly from Equifax. So someone is providing false information. 

I want to know why my score dropped XXXX points. I expected my score to go down but not by that much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c.

I am also INCLUDING MY RECENT CONTACT IN CASE YOU NEED TO REACH ME : 1. my phone is ( XXXX ) XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Mr. Cooper will not file with HUD the claim for our forbearance modification so that we can close on our house as of XX/XX/2022. Theyre telling me that it could take up to at least 4 months before submitting. And refuse to allow me to speak with a XXXX. Also under the CARES act they were not supposed to report to the credit bureaus due to the covid relief plan.

Company response to consumer: Closed with explanation