BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-22
Company: United Debt Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
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:
I was informed around XXXX/2017 by my mother in law that a debt collector was repeatedly calling her asking where I was. She was never given a company name or an agent name, but was given my social security number and birth date without asking for the information. My spouse then contacted the company and again they did not divulge who they were but did say to her that the original company was XXXX XXXX XXXX XXXX and it was an online payday loan, they freely gave my sensitive information out to her as well as other people by the same name as me. She was given their social security numbers and birthdays without asking for them. I then contacted the company to try to find out what the situation was and was told I was going to be prosecuted for a worthless check for a payday loan I had gotten in XXXX of last year. I was never informed of my rights or briefed on whether or not the call was being monitored or recorded, all they seemed to be concerned about was getting my credit card information. As of 5 minutes ago they are still contacting my mother in law and wife threatening prosecution and possible jail time if I do n't make a payment today. I have not received any written correspondence regarding this matter from them or my counties prosecuting attorney. I do not know my rights in this matter but I feel as if my name is being dragged through the mud unfairly by this " company '' to anyone that will answer the phone for them by freely discussing that I have a " worthless check '' and giving out my personal information and I know for a fact they are freely giving peoples personal information out without being prompted, men who have the misfortune of having a similar name as me. I fully understand paying what I owe and for what I 've borrowed but I do n't feel as if this " company '' is treating my information as sensitive as they should as well as other peoples. They call from numbers that come up as " private ''. I feel as myself and my family are being harassed and I 'd like to know my rights regarding this matter please. 
Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: WA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Set up on fixed automatic payment option to XXXX  payments were paid each month. This was not the case recently, as the company did not charge the minimum payment, and began to charge late fees, and derogatory credit reporting. I can not get them to see the fact that this is not acceptable and the fees charged have ruined my credit, and are the only things that bring my minimum payment back below the fixed payment I would pay. I began above the minimum to pay my card faster, not to XXXX XXXX XXXX XXXX XXXX. They say that they are not in the wrong, but how can you have an autopayment where a customer pays the same each month and charge them late fees and ruin their credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian has allowed an account to be put back on my credit report without verifying the account and not informing me. The account was removed XX/XX/2018, because the account isn't mine and couldn't be verified. The account was put back XX/XX/2018 under a new company and account number, but same amount and original creditor. I have attached the old and new information with this dispute.

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 2018-11-19
Company: Navient Solutions, LLC.
State: NV
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:
XXXX  has been non-compliant with removing the unverified account NAVIENT which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that NAVIENT was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Diversified Consultants, Inc.
State: IL
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:
XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please note, this is not a duplicate complaint, this complaint is due to Transunion keep refusing to investigate into existing problem and keep reporting incorrect account on my report. 
I am not using any third party for this matter and I have a rights that investigate to be done. Credit reporting laws assures that buraus report only 100 % accurate credit information. Every step must be taken to assure the information is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything reporting on my credit report is correct. 
Please provide me with the following items : Pay of discloser Date of open an account Interest rate Disclosure Balance history Payment history from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and from XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Validate Account XXXX XXXX XXXX I respectfully ask you guys to provide some kind of proof of this is alleged item, specifically the contract, code, or other information bearing my signature. 
Additionally, please provide the name, address, and the telephone number of credit grantor or other subscriber. 
I also aware that under federal law, you have ( 30 ) days to complete your re-investigation. Be advised the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, so be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, 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 2021-07-09
Company: EQUIFAX, INC.
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:
Unauthorized use of credit report. XXXX, XXXX, EQUIFAX is out of pocket! please fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
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:
Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, Equifax stated in writing that you verified that this item Acct XXXX XXXX XXXX XXXX is being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my sis card, state ID and the name and acct nbr several times with Equifax continuing to break the very federal law that was implemented by Congress for this very predatory business practice!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Social Finance, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Sofi sent me a credit card I did not apply for. I tried to contact the company but they have no fraud department. There customer service number said they can help if its about a charge, but not on a card? 
Tried to dispute with credit bureau but the said we showed you applied for it and its yours, however they will suspend the card. I have a credit card and a hard inquiry on my perfect credit and I am buying a new house and this effected my Percentage amount on my loan. 
I volunteered to do a police report or affidavit and they said it wont matter, its staying on your credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, I'VE HAD FRAUD COMMITTED UNDER MY NAME IN THE PAST AND I AM NOT LIABLE THOSE ACCOUNTS BEING DISPUTED. PLEASE REINVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT AS SOON AS POSSIBLE. IT HAS BEEN REALLY HARD TRYING TO ACQUIRE NEW CREDIT WITH DEROGATORIES ON MY ACCOUNT. KEEP IN MIND THAT THOSE ACCOUNT I DID NOT AUTHORIZED UNDER MY NAME AND IT IS A CRIME FOR SOMEONE TO HAVE ACCESS TO MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE.

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 2021-04-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Started a new business just 5 days ago. I decided to use Paypal as a Payment Merchant. I had few order shipping 's to XXXX almost {$350.00}. 2 days ago, PayPal limitized my account and asked for the documents verification. I have sent them the Resident Identity Card with my Company Incorporation Letter and Purchase invoice. Yesterday received 2 emails from Paypal, the first one states that they have locked my account and hold my money for 180 days due to the potential risk involved in the items I am selling. And the second email I have received stated that partially limitations have been removed however I shall be unable to use the PayPal account and the balance will be on Hold for next 180 days. This is my 5 days Business Journey with this XXXX XXXX. The most interesting fact is that I am selling the computer accessories, digital goods like softwares and also helping customers for the marketing campaigns, so what was the potential risk involved? Tried reaching the customer services team through international calls and the XXXX chat option and have wasted almost 6 hours but no response. I don't want to have business with this XXXX XXXX but they have no right for holding my funds for 180 days without a proper reason. My registered email with Paypal is ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back on XX/XX/XXXX when the pandemic started my husband and I lost Our Job. I needed assistance regarding putting my payments on hold. They put my account on forbearance. I requested if my payments that I missed could be put in the back of the loan. I had to supply them with documents which I provided with everything They requested. They also requested my awards letter stating that I was unemployed from XX/XX/XXXX to XX/XX/XXXX. They wouldn't accept the letter because according to SPS my unemployment expired after XXXX weeks which was not the case. I still had money in my account because I was also working part-time and collecting partial unemployment. I even contacted unemployment to see if they could provide me with another awards letter ( determination letter ) They told me that they don't understand why SPS is giving me such a hard time because it literally states on the determination letter that they already had says everything. Unemployment can not change the date of when I'm entitled to my unemployment. It goes from year to year. They gave me such a hard time because they insisted on this letter that I could not provide because I already provided them with one. The reason why my unemployment went beyond the 22 weeks that they are talking about is because I worked part-time and collected part-time and at times I did not collect any unemployment because I made more money at my part-time job because I put in more hours so those 22 weeks was extended to approximately 7 months. I don't know what else to do and I do not want to lose my house but they are not willing to work with me. All other creditors that I've been dealing with if I didn't make any payments any unpaid balance they applied to the end of my loans but SPS refused to do that now causing me to be in default and possibly losing my house. If you have any questions regarding my complaint I can be contacted at XXXX. Thank you 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 2020-10-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Comenity banks mobile web site does not provide due dates for the end of the promotional period, when I purchased in store they told me that the promotional period would end 12 months after delivery of the products. Delivery was on XX/XX/XXXX, purchase was on XX/XX/XXXX I paid my bill in full on XX/XX/XXXX with a payment date of XX/XX/XXXX which was the due date posted online when I logged in. The reason I paid in full was because I received an email from them saying that the promotional period was ending soon, it did not provide any dates or detailed information. so when I logged on the web site I just used the payment date which was published of XX/XX/XXXX had I known of course I would have paid sooner They charged me {$1800.00} of accrued interest for this This is extremely unethical and they should be penalized as I am sure they do this to many customers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$14000.00} XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXXXXXX 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am in receipt of my dispute results with your company through the medium of mail. I disagree with your findings. My credit report is to be fair across all three major credit reporting agencies as result you will come into compliance with XXXX findings that will be attached to this complaint.

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 2018-04-13
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number listed along with many others repeatedly call all throughout the day. They never leave messages. I try blocking the numbers but they constantly change. Finally today XX/XX/2018 I called back and said you have the wrong number. I worked swing so I be asleep till about XXXX so having them call right at XXXX XXXX then XXXX and XXXX got annoying and it happened for weeks.

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 2020-07-11
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
As of XX/XX/20, PNC bank will has made a change [ to my account ] that prevents you from being able to link accounts. The app Im trying to link online banking to is XXXX. I was asked if Id like to file a complaint and I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received an email that a bank of america checking account had been opened using my old BofA account from multiple years ago. I was able to get logged into the account and change my password. No money had been moved anywhere and none of my information was changed. But I did not consent for this account to be opened. I am currently on hold with their fraud department.

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 2018-11-19
Company: Ad Astra Recovery Services 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: Investigation took more than 30 days

Complaint:
Ad astra recovery services also XXXX XXXX wont remove this from XXXX after being removed from other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: SLM CORPORATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, I've been trying to open an account for about one week. Although I've been on the phone with numerous representatives, none have been able to overcome whatever the issue is. The bank shouldn't be able to advertise rates if they can't honor them by not allowing the opening of an account. The message I've been receiving when I enter my information is, " Sorry, your information doesn't match our records. You may have entered something incorrectly. Please try again. If you continue having log-in issues, call us at XXXX. '' Even though the representative verifies this very same information, their system is reading the information as being incorrect. I believe this is occurring because it's reading my mom 's account information where I am the beneficiary. This beings up system integrity and privacy issues and ought to be looked into.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation