BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the 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 2020-12-02
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Equifax. The complaint numbers were XXXX ( Equifax ), XXXX ( XXXX ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX  and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything ; in fact some have stated my complaints were duplicated ( when in fact 1 was for my wife ) or that they would investigate and send me the results but I have YET to receive anything! I have also ready that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX and TransUnion have violated my rights. 

15 U.S. Code 1681a.2 15 USC 1681 Section 602 States I have the right to privacy.

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

11.4K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2018-10-03
Company: BANK OF THE WEST
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:
This complaint relates to my complaint # XXXX. 

As of today, XX/XX/2018, Bank of the West still has not returned my personal check to me. To recap, Bank of the West refused to cash a check I deposited in the ATM that was made out to my minor child and properly endorsed by me her parent. Then, Bank of the West lost the check. 

They claimed to have mailed a " legal tender '' check to me - whatever that means. Allegedly, a copy of my check. But I have not received it. They claim to have sent this " legal tender '' check to me on XX/XX/2018, but here it is XX/XX/2018 and I still have not received it. 

I don't believe they have mailed the check. I think they are so incompetent that they don't know where my check is. 

This is a check drawn on XXXX XXXX XXXX XXXX and made out to my minor child. 

They are hands down the worst bank I've ever dealt with.

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 2023-11-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The XXXX data breach effected my credit profile and I want this recified

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT CREDTI CARDS AND UTILITY BILLS THESE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Huntington National Bank is withholding deposits and posting credits to my account first in order to generate fees. I have a screenshot of my account on their website and when I called them they said the dates on their own website were incorrect and the dates they had were different

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02
Company: MoneyLion Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MoneyLion Inc. has been reporting on my credit file a collection account I have no knowledge of. I have disputed this collection account via XXXX dispute center several times, most recently XX/XX/2020 and XX/XX/2020. My disputes are going ignored and I never receive either the debt verification letter I ask for or a debt validation letter. Instead they continue reporting this account which I never opened and they report different balances after every dispute. For example, they reported a balance of {$290.00} in XXXX, 2020 but later updated it to {$260.00} on XXXX, 2020 and they have been reporting a balance of {$300.00} since XXXX 2020. I do not own this account and this company is avoiding the law continuing to report it to my file without verifying and/or validating this debt. after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
State: OR
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:
There was an error on my credit report, which supposedly has been corrected. The matter involves a collection ( {$59.00} ) by XXXX XXXX XXXX for XXXX XXXX. 

I have tried resolving this with Equifax, but to no avail. The error lowered my credit score. The error is said to have been corrected on XX/XX/XXXX and then again on XX/XX/2020. I've checked my revised credit score, and it shows the new, higher score ( as before the error ). However, I'm in the midst of trying to refinance my house and when the financial institution pulls up my credit information, it still shows I owe money, and my score is still low. The last time I talked to Equifax on the XXXX, a supervisor said he would manually correct my score so the banks would see the correct version of my credit information. Didn't happen. I would classify this as fraud on part of Equifax as the consumer - me - sees different, incorrect information than financial institutions. Equifax claims that the error was corrected are false. I can not proceed with my refinancing until this matter is resolved. 

The collection was posted on XX/XX/XXXX and I discovered this posting about a week later. I've been trying to resolve this issue since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX CA XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXXXX/XX/2021 ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX  XX/XX/2021 ; XXXX & XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; 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 non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: GA
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:
I have filed a complaint many times an it draining me emotionally and affecting me financially an I need this fixed. The continue to report incorrect an inaccurate information about me on my consumer report. They have XXXX calender days to prove any of these alleged private transactions were mind and show me documentation that I gave verbal or written consent to share to a third party. I have a right to privacy and you violated me for the last time. Send me Document that shows me I am LEGALLY OBLIGATED to pay this alleged debt. A simple answer of been verified doesn't constitute an appropriate legal nor lawful response XXXX FIN XXXX and remove all inquires list in uploaded file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Equitable Acceptance Corp
State: CA
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:
To Whom it may concern, My name is XXXX XXXX. On XX/XX/XXXX I was informed by your company, XXXX XXXX, employee name XXXX XXXX  and XXXX XXXX, I will be enrolled in the Public Service loan Forgiveness program and my loan will be forgiven after 120 payments. I was told my payments will be based on my income and the number of people I financially care for. Last month I was informed your company is fraud and your company is charging {$49.00} monthly fee when your company is not part of the Public Service Loan Forgiveness program. I spoke with Federal Student Aid Department last month on XX/XX/XXXX at XXXX XXXX. I was informed there is no record of me being in the Public Service loan Forgiveness program and have not received any documentation from your company. I called XXXX XXXX onXX/XX/XXXX at XXXX XXXX and spoke with XXXX. After explaining to him about how the company fraudulently enrolled me in a program and are charging me a {$49.00} fee he placed me on hold several times and spoke with his supervisor, XXXX. XXXX  told me he would look into the matter and call me back. As of XX/XX/XXXX I have not received a telephone call regarding this matter. I attempted to call XXXX but the numbers I have are disconnected. Today, I called Federal Student Aid again to confirm if I was enrolled before my lawyer gets involved in this matter. My loan was transferred to XXXX and was told XXXX is not a company who is enrolled in the Public Service Loan Forgiveness program. I contacted XXXX  and was told I am not enrolled in the Public Service Loan Forgiveness program and if I was enrolled in the program my loan would be transferred to the XXXX XXXX XXXX. I was informed by a XXXX employee this is not the first time this company lied and told people they are enrolled in the Public Service Loan Forgiveness program when they are not. I will be contacting Financial protection Bureau & Federal Trade Commerce to file a complaint, contacted State Attorney General, and contacted the XXXX XXXX XXXX to file a complaint if we can not resolve this in a timely manner. I am requesting for your company to stop processing my loan and to waive the remaining {$49.00} monthly fee I am being charged. I have placed a stop payment on the remaining {$49.00} due to this being an scam. If this matter is not resolved in a timely manner, I will have my lawyer contact your company and the case will resolved in Court. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: MOHELA
State: GA
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 am eligible for loan forgiveness through the Public Service Loan Forgiveness program that grants student loan forgiveness at 120 qualifying payments. I have been submitting PSLF employment verification forms for many years. With the current changes to how payment credit is being given and with the waivers being given, I have over 140 months of verified employment and qualifying payments. However, Mohela is only giving me credit for 112 qualifying payments. For some reason mistakes on Mohela 's part that I have pointed out with customer service representatives on five or more occasions are not being corrected. 

Also, I am not getting credit for verified employment prior to the year 2011. I have inquired about this on XXXX or more occasions but have not been given an answer as to why this is the case. 

Because of these issue, I am not receiving loan forgiveness that I have a right to under the Public Service Loan Forgiveness program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has been calling me multiple times a day even after being instructed not to contact me by phone. The person I spoke with said they do not recognize a not call list. This problem has been getting worse to the point where they called me 9 times in less than a minute while Iwas at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
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: Old information reappears or never goes away

Complaint:
please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account 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 2023-04-12
Company: CURO Intermediate Holdings
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Complaint # XXXX AD Astra stated XXXX XX/XX/23 that they would have this debt removed from my credit report. They state it could take up to 30 days, it has now been 65 days and it is still on my credit report. Phone calls have gone unreturned. There previous answer was a blatant lie and has caused me severe harm in receiving financing. I have attached the previous answer showing what they said they were going to do and they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Credit Counsel, 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:
This is about my 7th time requesting to have the XXXX accounts and its duplicate removed for once and for all. 

Next time my attorneys will be involved Original Creditor XXXX XXXX UNIVERSITY ( paid off back in XXXX ) this account has been sold over a 10 times in the 25 years. TIME TO REMOVE XXXX XXXX XXXX {$2400.00} Negative XX/XX/XXXX XXXX XXXX XXXX DUPLICATE Negative XX/XX/XXXX XXXX XXXX # XXXX Original Creditor - - Company Sold XXXX XXXX XXXX XX/XX/XXXX READ BELOW **Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. Debt collectors can not pursue or attempt to collect debts that are more than four years old. https : //www.debt.org/faqs/americans-in-debt/consumer-texas NEED TO REMOVE XXXX, UPDATE XX/XX/XXXX I have requested this accounts to be removed and they keep showing up. It is an old lease that was paid off, was never late and its was well over 8 years ago. Keep in mind that you are breaking the Texas consumer laws by refusing to remove. Attorney has been hired. 

THESE ARE ALL illegal hard inquiries that ARE NOT ME : NEED TO REMOVED XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX., XXXX XXXX -You applied for credit in XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX - You applied for credit inXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: WA
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:
Account was disputed as reporting inaccurate information which has caused me to not be able to obtain credit. The CRA 's are only updating personal information and are not correcting the inaccurate reporting of the account. This account was paid in full and has been for over a year. XXXX XXXX falsely updated payment information, but failed to report the overall account status correctly. This has been ongoing and is now representing an intentional attempt at destroying my credit. By provisions of the Fair Credit Reporting Act, I am now demanding that this account be removed from my credit report since I have made several legitimate, yet failed attempts to work with the CRA 's and XXXX XXXX to correct. Please delete the accounts from my credit reports, as they are inaccurate and the company is refusing to properly report 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 non-monetary relief
Consumer complaint received 2019-03-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a Chase XXXX XXXX XXXX  flyer in the mail with an offer stating to opt in to their email subscription and you will receive XXXX points after 3 months of remaining opted in and another XXXX points after remaining opted in for the full XXXXmonths. The offer I received in the mail stated you must sign up by XX/XX/XXXX. I signed up XX/XX/XXXX and have an email verification. I have remained subscribed to the email subscription since XX/XX/XXXX. I should have already received my first XXXX points, but after calling customer support I am being advised that leadership has reviewed my case and stated that I did not complete the required steps. However, they are unable to tell me what part of the deal I did not follow through with which is completely unacceptable. I need a clear and preside description of what part of the deal I didnt fulfill. This is their error

Company response to consumer: Closed with explanation