BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking account has been hacked. There was an attempt to steal {$9500.00} from my checking account. Bank of America did nothing to alert me that " XXXX XXXX '' was added to my account in order to verify the validity of the vendor. The perpetrator was able to successfully verify the " connection '' to my account without any of my personal information ( address, e-mail, phone numbers ) being changed. Bank of America failed to contact me to verify the account addition. In about two weeks my friend 's account at Bank of America was hacked in exactly the same way by the same " XXXX '' for {$9600.00} even after Bank of America was notified by me that the " XXXX '' was a fraudulent account.

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 2021-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2021 I SENT A LETTER TO XXXX XXXX ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO EQUIFAX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER XXXX THEY STILL HAVEN'T UPDATED THE REPORT. EQUIFAX SAID IT CAME BACK VERIFIED. HOWEVER XXXX XXXX SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: DISCOVER BANK
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This is an unknown authorized inquiry reporting on my credit report Discover Bank XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Discover Bank XXXX XXXX, 2016 Unknown inquiry, please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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 am writing about the inaccurate information that continues to report on my credit file because of the negligence of the Experian representatives. This is my XXXX and final attempt. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the Experian employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, Experian reports that they have verified these accounts are in fact mine. Who at XXXX verified this account? Who did they verify with? At this moment, these fraudulent accounts are only reporting on my Experian credit report as the others have deleted this incorrect information. I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, Experian is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX XXXX XXXX, and XXXX XXXX XXXX, ) These accounts have been deleted which I will attach, due to not being mine after investigation, but is still on my report. I have been fighting these accounts with Experian for almost XXXX years now. This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop fraudulent inquiries and I have well over ( XXXX XXXX credit, XXXX, XXXX ) fraudulent inquiries on my credit file. How is this happening? How are I being protected?

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 2022-08-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
company is reporting my nonpublic information without my consent, under 15u.s.c6802 Obligations with respect to disclosures of personal information. I have the right to privacy and never consent to report or was told I have the right to opt out this is identity theft and is violation of my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions 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:
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$350.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$550.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.

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 2021-11-11
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had the FNMA COVID Forberance for the 18 months allowed for my mortgage payment. I have XXXX and have lost income due to COVID. My mortgage company LoanCare. XXXX  is refusing to give me the FNMA loan Deferral for the 18 months lost and have reported my credit late 120 days to the credit bureau ruining my credit history. We have requested this help since mid XXXX with hundreds of calls and emails to LoanCare and they refuse to help. Who can help us? They want to foreclosure our home when we have been legally allowed by FNMA for the Forberance and now the Deferrel. 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 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed

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 2021-03-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a student load that has continued to show on my credit report origination with XXXX XXXX I am part of the lawsuit to my understand and have yet to see it removed or close. they have frozen any payment req for 5 years yet it is still affecting me and should have been removed by this time. Currently, the loan is shown with a collection agency XXXX unable to get little to no information from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently obtained my credit report & learned my XXXX credit card was charged off. 15+ years ago I added my daughter as an Authorized Signer. She subsequently charged on this account and stopped paying, resulting in charge-off. As the owner of the credit card, had I been informed account was delinquent, I could have prevented balance from escalating, & could have removed authorized signer status, & prevented charge-off, & negative credit r. When I contacted XXXX  to inquire they stated my daughter was a joint account holder. I at no point added her as joint account holder, and she did not sign application for credit. XXXX is unable to provide me copies of documentation confirming joint versus authorized signer status. I no longer have this documentation due to a house flood. If XXXX can not provide documentation, I would like the account removed from my credit report, and am willing to pay the balance owed when the account became 30-days past due. Had I been aware of delinquency at 30-days, future charges could have been avoided, and I would have removed my daughter from the account. I feel I have been harmed because XXXX 's inappropriately changed type of ownership on my account, and can not provide documentation to support the change. 

Thank you for your consideration. 

Kind regards, 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 explanation
Consumer complaint received 2018-01-16
Company: Credit Plus Inc
State: ID
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 am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with XXXX, bringing my XXXX score to a XXXX. My mortgage lender uses Credit Plus to pull credit reports & rescores. In an effort to bring my score up 2 points with XXXX, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points  with XXXX! Credit Plus and lender had no idea how or why. Credit Plus contacted XXXX, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. XXXX  corrected the information. However, according to Credit Plus, XXXX said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

XXXX is pointing the finger at Credit Plus, saying they corrected their mistake, and Credit Plus can request a new score. And Credit Plus is  pointing back at XXXX saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by Credit Plus. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XXXX XXXX, 2018. Also, no one from Credit Plus will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to XXXX & Credit Plus is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, Credit Plus has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received an alert from all three credit reporting agency about late payments from XXXX till XXXX. I have sent in my payments on this account. Someone is not updating accounts to reflect the correct amount due on XXXX that has the same amount supplied to the three credit reporting agency.

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 2021-02-18
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I previously sent a security freeze request letter to CoreLogic. Still, in their response letter they sent me back, they told me that CoreLogic Credco is a reseller of consumer report information provided by the three National Consumer reporting agencies, so basically, they are not able to put a security freeze with the credit bureaus on my behalf when I did not ask them that because I'm asking CoreLogic to place a security freeze on my CoreLogic credco Consumer Report. I also sent CoreLogic all the information they needed, including a copy of my driver 's license, social security card, and utility bill. However, they still did not place a security freeze on my CoreLogic consumer report, so now I'm filing a complaint against them. I also have a copy of a security freeze letter that Corelogic previously placed for me in 2019.

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 2021-11-21
Company: Experian Information Solutions Inc.
State: DC
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:
My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! XXXX EXPERIAN AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.

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 2022-01-10
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
issues with PayPal and one XXXX XXXX. A little background is in order to help you understand the situation. In a long distance relationship with XXXX who is overseas. Money sent to PayPal which I then transferred to my bank account. When it cleared, that was sent to XXXX via XXXX. 

The money was to help her get home and cover hospital bills. XXXX added comments that it was for goods and training. Not the case, which he knew. After a month lodged a complaint demanding refund. The amount, and case # attached. 

XX/XX/2021 {$3000.00} # XXXX {$840.00} # XXXX {$250.00} # XXXX {$250.00} # XXXX {$160.00} # XXXX PayPal ruling in favored of XXXX. Issuing refunds. Why do I think it's a scam or fraud? He misrepresented the transactions. The email he provided PayPal, XXXX, does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XXXX 2017. I contacted Freedom Mortgage to request a forbearance in XX/XX/XXXX. In 15 years I have not had a late payment on any line of credit. I assumed this process would be fairly simple. 

I was sent a document file for " Loss-Mitigation ''. I contacted the company because I did n't believe it was the correct document. They assured me that I had to fill it out and return it. I continued to pay my mortgage through XX/XX/XXXX. In early XX/XX/XXXX I had still not received any word from Freedom Mortgage about the forbearance request. I submitted the " loss-mitigation '' packet as requested. They assured me that forbearance was a quick process and that they would get back to me in three days. I contacted them the following week ( the week of XX/XX/XXXX )  and they told me that they had not received several documents that were included in the packet. After some debate they were able to find them. I called later that week to check on status and they told me that I did n't need to submit the file for forbearance and that I would just file over the phone. I did, but four weeks later I have still not been granted the forbearance. 

I have had numerous calls with the company - every week, sometimes 2-3 times per week. I had credit near 780 when this started so was anxious to protect it. I called yesterday ( XX/XX/XXXX ) to see if an answer was reached and was assured that they would have an answer by today. When I called today ( XX/XX/XXXX ) I was told that the request was AGAIN filed incorrectly - my request for " modification '' was declined because I was missing paperwork. I stated again that I did not want a modification, only a forbearance. They again told me that this is a simple process and made me go through the request process again. I still have no answer. 

1. I have been assigned three different " Single Point ( s ) of Contact ''.

2. I have submitted expense detail, income detail, letters describing my termination of employment, bank statements, pay stubs and written requests for forbearance three times. 
3. I have been assured each time I call that the request was in process and near a decision, but it remains unanswered.

4. Every single request I have made for returned calls and/or emails have been ignored.

5. I am now receiving letters describing pending foreclosure action.

Quite simply, I believe I have been lied to by staff members at Freedom Mortgage.

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 2018-01-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In his XX/XX/XXXX letter, XXXX XXXX stated : " Over the next few months we will be introducing enhancements to improve how we communicate with our clients. These enhancements will include a new Mobile Messaging feature and an enhanced XXXX Chat experience. As part of that plan, we have disabled the send a new message option on Citibank Online effective XX/XX/XXXX. Please visit Citis contact us page for other contact options. We are working to continuously improve the Citibank online experience and will be reintroducing a new way to message with us in the near future. We apologize for any inconvenience this has caused you. '' Citibank will be reintroducing a new way to message in the near future. When is the " near future. '' What is the specific DATE that Citibank will be reintroducing a new way to message?

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 2019-02-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
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:
On XX/XX/XXXX someone whom said she was calling from ace cash express called my husbands cell phone to ask if he knew me, the number that called him was XXXX ( the number that she gave him for me to call was XXXX ) he said yes and they told him to write down their telephone number and a case # and make sure to give it to me. He called me and gave me the info. I called this number and this woman named XXXX said she was part of the legal dept and she is trying to collect a pass due balance on a loan I had. She wanted me to give her my debit card info so she can set up a payment arrangement. She said my debt was transferred to two different debt collections companies and there is a pending lawsuit against me, so I told her that she needs to send this info in writing to me because if it was transferred to diff companies to collect why haven't I received anything, after all they have my address. I also told her that I was on my states website where you can view court cases if someone is going to sue you it would be listed there, and I told her I don't see any lawsuits so nothing she is saying is making any sense, she then raised her voice to me and said, if I didn't settle my debt with her over the phone someone would keep calling my relatives about this debt and someone will come to my job and put me in handcuffs. I said to her, well if you say I owe this debt, just put it in writing so I will know your are not a scammer she then said police are coming to my job to arrest me in the next few days and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They call several times a day and there is no one on the line. They call before XXXX XXXX.

Company response to consumer: Closed with non-monetary relief