BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2016 ; I was living in a XXXX XXXX. I was XXXX XXXX XXXX   with my daughter. And, i also had XXXX XXXX year old boys. During this time ; my purse was stolen ; along with all of my personal information for my kids and I. I believed that the person responsible name is XXXX XXXX ; but that is all i know of the woman,. i have called XXXX and XXXX, and they have removed the fraudulent inquires without a problem. But, XXXX refuses. I will attach a screenshot of the companies that were contacted ; and resulted in hard inquires. I have contacted them each myself, and they all stated that they can not locate me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX PayPal limited my account with XXXX in the account the limitation end date was a 180 days which was up XX/XX/XXXX of XXXX I have yet to receive any email to withdrawal funds and was told a ticket has been submitted which was 3weeks ago and funds are still being help PayPal agreement states after 180 days funds will be released yet my funds are still being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To XXXX, XXXX and TransUnion-Consumer Reporting Agencies. I am requesting a copy of my credit reports, credit files and investigative consumer report from XXXX, XXXX, TransUnion. I sent an Affidavit of Truth verifying my identity and I would like all pertinent documents sent to the address included on the Affidavits. Enclosed are copies of the affidavit of truths, and US certified mail receipts.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The credit bureaus are reporting the wrong address on my credit profile.

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 2018-08-09
Company: Experian Information Solutions Inc.
State: TN
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 have a car loan with XXXX XXXX. My car note is due on the XXXX of every month. XXXX reported I paid 30 days past due which is not the case. My note due XX/XX/XXXX was paid XX/XX/XXXX. When you look at XX/XX/2018 calender that is not 30 days late. Since it is not 30 days late I would like it 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 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have a car loan with XXXX XXXX. My car note is due on the XXXX of every month. XXXX reported I paid 30 days past due which is not the case. My note due XX/XX/XXXX was paid XX/XX/XXXX. When you look at XX/XX/2018 calender that is not 30 days late. Since it is not 30 days late I would like it 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 2016-12-09
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
get XXXX calls from the following number daily XXXX Belongs to The Offices of Credit Management , LP XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: RevSolve, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Around XX/XX/2018 an affidavit of denial and contract request was sent certified USPS to  Revsolve Inc obligating me to a debt they say I owe. I since then received a phone from XXXX XXXX on XX/XX/2018 at XXXX regarding this debt. XXXX XXXX has failed to provide proper validation in accordance with the Fair Debt Collection Practice Act while attempting to collect on a debt when without properly verifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I had received a called from Chase Credit Card department regarding my two credit cards, that my payment was due back in XX/XX/2020. The employee took my payment over the phone and she told me that she will enroll me in auto pay. 

In XX/XX/2020 I get another phone call, and my wife assisted me with the call, she told them that I had been in enrolled in auto pay and why they were calling to collect the payment. When the employee check, she said that he was not enrolled in auto payment and she took the payment over the phone and she also offer to enroll him in auto pay. 

My wife told him that we will do it ourselves instead and we did. I called Chase XX/XX/2020 and requested for the late payment to be removed from my remove from my credit bureau. They transferred to 3 different persons and they wouldn't help me. I'm reaching out to you since they are not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XX/XX/XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.

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 2020-07-01
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 3 issues with this servicing company ; 1-They are located in XXXX, Ill for payments to be sent.when the weather was so bad in XXXX & XXXX the postal service was not able to deliver the mail on time & they did not get my TIMELY PAYMENT until the XXXX of the month & I was charged a late fee- this happened once before & also with another company in XXXX- that I got corrected.I sent Fay Servicing a copy of my money order which WAS ALREADY PAID out to be on time & they still would not waive the {$6.00} late fee.I can not control the weather or the postal service & in this pandemic- I am current- even though the Governor from Florida is allowing tenants NOT TO BE EVICTED for the 5th month & I have 2 who owe for months & refuse to move.the fee should be waived.2-When this company took over the servicing of this loan- they were NEGLIGENT in not handling the escrow account & getting the payment to include the taxes & insurance & actually lowered the payment . I contacted them about this & they stated it was correct. Well it was NOT & then they raised my payment up to {$430.00} from {$200.00} causing me a financial HARDSHIP because they did not handle it correctly & there was a shortage.The normal payment was {$250.00} & never should have been lowered. i can barely survive & this has stressed me & puts me in jeopardy because of their mishandling of the acct.-they need to be accountable for the error.3-I only owe {$34000.00} on this loan & they have forced insurance for more that the loan amount- for {$44.00} of coverage & it is to be for the loan value ONLY- they have made another error & the insurance increased quite a bit & they are overcharging me & I want this corrected. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Upon reviewing my experian credit report I found a name not known to me nor have I ever use this name being ( XXXX XXXX ) with name ID # XXXX. XXXX is my married name which is a very large family with XXXX and XXXX in serveral states. However, I don't know this name and it is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: MD
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I received a postcard from " XXXX '' ( who's return address is located at XXXX XXXX   XXXX, XXXX, TX XXXX ). They are asking for me to send my full name, SSN, all addresses for the past 2 years, DOB, a photo copy of my identification, and a copy of a document such as a bank statement. I have no idea who XXXX  is and even if I did, due to the Maryland stay at home order and not owning a printer or scanner, I am unable to follow up with such a request.

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 2018-08-09
Company: Experian Information Solutions Inc.
State: MO
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:
You have incorrect personal information being displayed and your rude phone representative wont correct the issue

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 2018-08-09
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: Problem with personal statement of dispute

Complaint:
Despite three written requests, the unverified remain on my credit report in violation of Federal Law. You are 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 investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2018-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
For a year Capital One has been sending my late mother, XXXX XXXX XXXX DOB : XX/XX/XXXX DIED : XX/XX/XXXX letters that she has been preapproved for a Venture credit card. She can not opt out to receive this letter because she has been die over thirteen years.I have a living XXXX year old cousin that live in gov. housing and have had XXXX XXXX that receives these letters, also. If my mother was living what would a XXXX year old need a credit card to earn travel miles and on XXXX????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: Go Capital Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made my payment XX/XX/2018 The payment posted XX/XX/2018 of XXXX. 10 days later the co. Is stating the payment was reversed and went back into my acct. I have provided several items from my bank have diligent worked to get this situation resolved. However the co. Has not excepted anything I have faxed them. Haven't reached out to even say faxes have been gotten. I've had to go through CS line automated lines 30 mins plus to get to the right staff. Everytime. I began emailing information it was said they would email back when received never have. But at this point. No contact from them and the status of my account is still delinquent. Might I add I have only one payment left to make on this loan. I am desperate for help at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, account no.XXXX  is erroneously reporting on my XXXX AND TRANSUNION reports post dispute.The account, balance history, charge-off status ... everything is wrong.First of all, what they are missing was that I paid off the account, over the phone with my XXXX  debit card when the total balance was about 250 dollars..no evidence of that in the record.Secondly, the account is re-aged, the date of 1st delinquency is about 9 months prior to what the record states.

Delete the account from all bureau files ... I can acquire my bank records any time I need it even if they are archived to prosecute the bank and the bureau for statutory damages due me.When my purse was stolen in late 2014 for which a police report was filed someone gained access to my identity and opened many credit accounts in my name.If they were able to abuse this account, they did, they were professional thieves.

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 2020-01-20
Company: BB&T CORPORATION
State: VA
Product: Debt collection
Sub-product: Other 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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX XXXXXXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX , property owner of XXXX XXXX XXXX XXXX , VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to XXXX XXXX XXXX by XXXX XXXX XXXX as part of her monthly mortgage payment and XXXX XXXX sent the funds to XXXX XXXX  XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through XXXX and learned that XXXX & XXXX County, VA banking institution is XXXX XXXX XXXX XXXX , BB & T ( recent merger with XXXX ), XXXX  XXXX XXXX and any banks of merger with this financial institutions. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX XXXX XXXXXXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).

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 2020-07-01
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am under a lot of stress due to the fact that Navient, the Loan Processing Company,  keeps on harassing me for payment by email and phone. My current XXXX  conditions and the XXXX  which I have been taking for the last 20 years for XXXX, XXXX XXXX, XXXX problems, XXXX XXXX XXXX, and XXXX problems, places me in a high risk group of Covid-19.Therefore, I kindly ask once more if you would take my case. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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 am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy because I force myself not to buy things i want. I hope you understand the dilemma I'm going through..I always track my bills, I contacted the credit bureaus, to reverse the late payments but they never fix this matter, this is an error, I was not late on XXXX 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 2021-10-08
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:
My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020, as authorized by Section 4022 of the Coronavirus Aid, Relief, and Economic Security Act ( the Act ), I requested a forbearance request of mortgage payments for the next 180 days. 

As stated in this act, upon receiving a request for forbearance from a borrower under subsection ( b ), the servicer shall with no additional documentation required other than the borrowers attestation to a financial hardship caused by the COVID19 emergency and with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance, provide the forbearance for up to 180 days, which may be extended for an additional period of up to 180 days at the request of the borrower, provided that, the borrowers request for an extension is made during the covered period, and, at the borrowers request, either the initial or extended period of forbearance may be shortened. The forbearance shall be granted with no fees, penalties, or interest ( beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract ) charged to the borrower in connection with the forbearance ... 

However, when I heard back from my mortgage company they only granted me a 90 day forbearance and not the full 180 days as stated in the above mentioned act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation