BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-19
Company: EQUIFAX, INC.
State: KY
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 Fair Credit Reporting Act XXXX  accounts 1. XXXX XXXX XXXX # XXXX  XXXX 2. XXXX XXXX  # XXXX XXXX 3. XXXX  XXXX # XXXX  XXXX Has Violated my rights. 


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

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

I also have a derogatory mark that was caused account number 2. Listed above.

I also have disputed removing my hard inquiries from my account and they have not done that for me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Company is still reporting something on my credit to rental companies that was deleted from my public records and was closed in court. I would like to sue after being denied twice after informing them of this problem is still reporting they deny it is keeping me from being approved but it clearly is the reason Im the adverse action letter.

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 2019-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
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:
XX/XX/2019 this is one of multiple calls received they claim they are from Bank of America offering to lower my interest rate to 0 % - This phone number belongs to some one in XXXX Alaska. they called from XXXX. I gave no information and hung up.

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 2023-02-19
Company: EQUIFAX, INC.
State: NV
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 # XXXX ( copy & paste each one from your credit report that is negative right here ), has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion is reporting a XXXX XXXX account # XXXX that is not mine. I have contacted XXXX XXXX and they have provided me a letter of relief from any responsibility. XXXX XXXX has also stated that they have sent multiple notifications to TransUnion. I have filed multiple disputes with TransUnion and they have failed to investigate properly and continue to report this account. TransUnion is Illegally reporting this information.

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 2019-09-24
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying on my student loan debt since XXXX and have seen a XXXX loan turn into XXXX. 
Through raising XXXX children, 3 work layoffs, and XXXX XXXX I have managed to pay and keep in good standing with my debt. I asked for help managing my loans first when they were with Salley Mae then Navient. I have begged for help as my loan keeps increasing. I found out last year ( XXXX ) from Navient that I was not on a program for the public forgiveness. I was upset but they switched me to another program and said I was on the right program. After thinking I Spent 8 years working for a nonprofit I was getting close and then started over. Well now I have been told ( XX/XX/XXXX ) I am not on a forgiveness program again. So thinking I had a year down now they are telling me I have to consolidate and apply with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Resurgent Capital Services L.P.
State: OH
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:
Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
accounts : XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, LVNV FUNDING LLC # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Disputed with the Bureaus and made calls to remove the inaccurate information.

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 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America contacted me telling me someone stole my identity and obtained a credit card in my name.

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 2021-07-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
other XXXX XXXX XXXX XX/XX/XXXX {$4500.00} credit card XXXX XXXX  XXXX XX/XX/XXXX {$85.00} credit card WELLS FARGO XXXX XX/XX/XXXX {$7100.00} credit card XXXX XXXX XX/XX/XXXX {$1400.00} credit card XXXX XXXX XX/XX/XXXX {$7600.00}

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-08-08
Company: EQUIFAX, 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 status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: JPMORGAN CHASE & CO.
State: AL
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:
I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) XXXX XXXX XXXX   XXXX, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and chase is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

Please remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRUIST FINANCIAL CORPORATION
State: CA
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: Didn't receive services that were advertised

Complaint:
Really didnt know what to select on screen prior my issue is that the company Regional Acceptance that I have my car loan with posted a late payment onto my credit when in reality it has not been 30 days late. My payment was late but not enough for my credit to be affect I did reach out to the they said they would look into it because they do not know how this happened

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 to raise a concerning issue about my credit report. I have discovered fraudulent accounts and inquiries that have been included on my credit history without my permission. These entries have inflicted considerable harm to my credit score and financial standing. 

To address this issue, I have disputed these entries with the relevant creditors, companies, and lenders. They have confirmed that the entries were not authorized by me. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) to report this incident of identity theft and have attached a copy for your reference.

The existence of these fraudulent accounts and inquiries has had an adverse impact on my credit score, making it challenging for me to obtain credit and financial opportunities. This has caused significant distress and hardship for me and my family. 

I urge you to take swift action to remove these unauthorized and false entries from my credit report. Please prioritize the resolution of this matter, as the ongoing presence of these inaccuracies continues to harm me and my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 and I am filing this complaint for 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 2021-03-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal has limited my account for 180 days without any good reason holding all my money frozen. After the period they still refuse to send my money. Paypal first limited my account saying that they need more infos to verify my account, I have sent all the infos to them including tracking numbers of all orders. After their review they decided to limit my account for 180 days holding all my money ( which is around XXXX British pounds! ) I couldn't neither accept or withdraw my money from my account, basically they have broken my business I have long worked for! I have tried to contact them many times regarding this issue but their robotic answer is always the same. I had advertising money that I needed to pay plus my supplier invoices to pay, once they froze my account, I couldn't continue running my business and even I had to borrow money from family/friends to pay my bills! The problem doesn't end here! 180 days have already passed and I got a message from them saying that they let me withdraw XXXX pounds from my Paypal account and they will still held the remaining amount for some time. I have tried to withdraw my XXXX pounds but they wouldn't let me! At first I thought there was some problem with my bank account, so I have tried to add my credit card and my other bank account but they wouldn't let me! After waiting all this time and they still refuse to let me add my bank account in order to withdraw my money!! This is clearly a scam! I have tried again to contact their support in order just to let me add my bank account but again they reply with a standard robotic message saying that the decision of limiting my account is final. Nothing related to what I sent which is basically the problem I am getting when I try to add my bank account! They not only shut down my business but after all this time they still refuse to let go of my hard earned money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received an unsolicited mailing from NETSPEND in XX/XX/XXXX offering me access to a prepaid debit card. The mailings have continued one per month going forward into XX/XX/XXXX. Each envelope is addressed to a different individual. All have been mailed to my home address. I contacted NETSPEND customer service in XX/XX/XXXXasking the mailings to be stopped. The representative could offer no assistance so I asked to be connected to a supervisor. I was put on hold for one hour and then my call was disconnected. I never spoke to he supervisor. I did not attempt to reach out to NETSPEND again. Please advise as to how I can stop these fraudulent mailings from continuing. I would like to stress that I have never requested any offer from NETSPEND.

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 2019-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, and again on XX/XX/XXXX, I requested validation from this debt collector. All I have been receiving is bills, but nothing with some type of contractual proof that this debt is mine or that they have the legal right to attempt collection from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Paramount GR Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We have a loan with LoanPal for our new solar system on our house. We are making our regular payments on the XXXX of the month. We made a principal only payment on the XXXX of the month and were told they charged us {$16.00} in interest for the five days  between payments. This company refuses to let us make principal only payments. I have never been late with any payment since it is set up for autopay through my checking account. Also their monthly statements do not reflect the amount applied to principal and interest. They are not breaking these amounts out so I can see them. This should be shown on the statement. We called and asked how to make principal payments and were told we could not make them. I was also told that I had to call each month to get the amount of principal and interest paid.

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 2023-04-03
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2023 I contacted Mohela for XXXX at their customer service number XXXX to explain a current financial hardship I am currently experiencing. After reading their website regarding deferment and forbearance options ( XXXX XXXX XXXXXXXX, I called to see what I could qualify for advising the company that I am unable to make the upcoming payments but could resume in the next couple of months. After being asked to provide financial information I was advised that " with XXXX dollars left '' I am not eligible for any assistance. I asked what the eligibility requirements were and if I could qualify for a one time, one month forbearance as detailed on their website and was advised I don't qualify for anything and they don't provide the eligibility requirements. I called back a second time the same day to update my financial information and was informed that I would have too much money and don't qualify. The qualifications and eligibility appear to be completely arbitrary and capricious. After 5 years of positive payment history " Mohela for XXXX '' would rather see my loan go into default that offer any type of assistance even the one month they claim is offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
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:
XXXX XXXX XXXX XXXX is reporting an unfair late payment recently. I have attached a letter of explanation as well as supporting documents with this complaint. I have disputed the late payment reporting with XXXX XXXX directly as well as all three major credit bureaus and I do not believe the treatment has been correct or fair. 

In my attached letter I explain exactly WHY the I should NOT have incurred a late payment report from XXXX XXXX. 

To summarize : I was charged a late payment after incurring a annual fee for a card I had not been using. I had not received any statements in the mail notifying me of a new balance and emails were sent to my spam folder. 

When I called to resolve the account I was told the fees would be reversed. 

Since the fees were in fact " never incurred '' or reversed I should not have incurred any late payment reports since no payment was due. Essentially I 'm being reported for being late paying fees that i had never incurred or were reversed. There was NO balance from purchases I had made on this account Please see my letter of explanation attached with this submission. 

Please investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of your report ( shared without consent, credit inquiries from unknown sources ). 
Reporting company used your report improperly ( obtained or used for purposes that aren't allowed by law ). 
Credit reporting, credit repair services, or other personal consumer reports. 
Credit reporting

Company response to consumer: Closed with explanation