BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: OH
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:
Due to the 2017 Equifax data breach that i personally was affected by due to my credit and personal information being susceptible to identity theft hackers. This breach has affected my personal life in regards to acquiring credit to maintain and advance my living situation, employment issues and most importantly was housing issues as well. This breach has made my life extremely difficult. The cost of having to freeze and unfreeze my credit reports, the cost of credit monitoring services after this breach, dealing with the fraud and identity theft issues that has been documented through previous CFPB complaints with all 3 of the credit agencies. All these things have severely impacted my financial situation and made my life difficult due to Equifax negligence in securing consumers information. The cost of all of these things is almost incalculable, well beyond {$20000.00} this issue has impacted me in ways beyond money. I filed for the Equifax breach settlement and haven't received a settlement and punitive damages for something that i had no control over. This issue is solely in the hands of Equifax. The punitive damages is beyond and incalculable what the max amount of settlement Equifax is offering. The maximum settlement would hardly suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Has harrassed me multiple times, even went as far as to pretend they made a lawsuit and judgment on me to attend court, then continue to say they will sue me for debt and that it will hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had sent a money order to USAA Bank to deposit into my checking account. I had sent this money order express mail on XX/XX/2018 and the express envelope got to the bank XX/XX/2018. I had tracking on the express envelope. I called the bank the next day XX/XX/XXXX to make sure the envelope got there and that the monies were deposited to my account. The representative that I talked to said that there was no envelope and that it would take 24 hours to the next business day to process the money order. I called a couple of day later and the representative said that there still no sight of the envelope and it would take 48 hours to process. I call again a couple days later ( XX/XX/XXXX ) and the representative said that was no envelope and that an investigation would be warranted. I get a call from the USAA bank investigator and she said they found the envelope, but the money was not in envelope. Either it was misplaced or taken out for unknown reasons. This bank took two weeks to find an Express envelope I sent to them two weeks ago and then when they do find it, the money is gone. 

Tracking for money order - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae the original creditor sent a letter to a reference on my loan and listed my debts on this loan. They also informed my reference that I put my loans into forbearance. Sallie Mae has transferred my student loans into a Navient account. I am writing this letter because Sallie Mae violated federal law by listing my debt and informing a friend of my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/22 I was denied a credit card application from Amex XXXX XXXX. 

They said We are writing to let you know that, unfortunately, we can not approve your application at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan is currently in deferment. I would like to end the deferment and be placed on an " extended graduated '' payment plan. I work full-time for the XXXX XXXX XXXX XXXX a week and have sufficient stable income. The student loan servicer told me that they can not put me on a payment plan because I am currently in school ( I take classes online during nighttime for a XXXX XXXX XXXX  ). They told me I can make payments at any time, but they can not put me on a payment plan. This situation is causing financial hardship for me because I am unable to refinance my mortgage because XXXX assume that my payments would be 1-2 % of the outstanding balance, which would be at least $ XXXX  monthly. If I could get on the extended graduated payment plan then my payments would be only {$330.00} / month and my mortgage refinance would save me over {$600.00} per month. I also would qualify for student loan forgiveness after I make 120 " scheduled '' payments. Payments that I make during deferral do not count, so I am losing money on this as well. All I want is to get on a payment plan and have monthly payments scheduled from my servicer. The servicer said it would be illegal for them to put me on a repayment plan while I am in school ( even though I request it ). I can not believe that that is true, especially since this is causing me to lose a lot of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-13
Company: Remitly, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used the company Remitly to transfer money to XXXX. My last transfer was never received by the recipient but Remitly refuses to refund because their system shows the recipient received the money. Its been months of me contacting them and my bank but nothing but more frustration has come out of this. Since Remitly refused to issue a refund, I filed a dispute with my bank. After they received the dispute investigation request from my bank, Remitly then decided to permanently suspend my account for suspicious activity and not following their policies. They even had the nerve to tell me that I needed to pay them to reinstate my account with them and I was called XXXX slurs.I still havent received the {$460.00} Im owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I SENT IN MY DISPUTE LETTERS ALONG WITH FTC REPORT. 
THE INFORMATION ON MY REPORT WRONG.

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 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of Transunion and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the XXXX XXXX XXXX XXXX and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2023-07-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 



XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

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 2022-09-18
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: Credit inquiries on your report that you don't recognize

Complaint:
The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

EQUIFAX/XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
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:
Citizens one auto finance sent a letter to me stating erroneous reasons for denying a loan I was attempting to co-sign for my granddaughter. My credit score is in the 800 level yet they claim I was denied the loan due to delinquent credit history, limited or no credit file and collection, charge off, judgment, foreclosure or repossession. Absolutely none of these apply to my credit file. They go on to cite time since most recent opening is too short, proportion to loan balances to loan amount is too high, too many accounts with balances and length of time accounts have been established. I could not care less that they did not approve the co-signing of the loan however I do not feel they should be not be allowed to cite reasons that do not apply to my credit file. I would not have an 800+ credit score if any of these were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft. The following collection account and hard inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine, and dont belong to me : XXXX XXXX XXXX XXXX XX/XX/2018and XXXX XX/XX/2018. I filed a police report with the XXXX  County Sheriff s Office in regards to the fraudulent collection account and 2 hard inquiries. The police report case number is : XXXX. I been receiving harassing and threatening phone calls of profane language, threats of arrest and prison. XXXX XXXX is in total violation of The Fair Debt Collection Practices Act ( DCPA ).

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 2021-02-03
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We continue to need to know why Dovenmuehle has listed a second mortgage against our account, with an additional {$2800.00}. Additionally, we have verified that only two months of payment were missed ( for a total of {$2900.00} ), for last XXXX and XXXX of 2020 due to COVID 19 and the restricted employment of my husband. All normal payments were resumed in XXXX. We have a letter from Dovenmuehle stating that the terms of the deferment were for those two missed months to be rolled into the end of the loan with no additional interest charged. 

We have been trying to resolve this issue since XXXX of 2020. We then began to try to refinance our loan in XXXX of 2020. Initially, we were told there was a hold on our account to where XXXX XXXX could not make the payoff. Then, during this last month, we have been told that XXXX XXXX can not make the payoff due to two mortgages being listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 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 2020-12-06
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My credit card with NC State Employees Credit Union expired on XX/XX/XXXX. I did not receive a replacement card in the mail so I have been attempting to get a replacement card on three separate occasions but to no avail. 
In XX/XX/XXXX, I went in person to a branch in XXXX NC and inquired about my replacement card. I was told I would receive a new card in 1-2 weeks. 
In XX/XX/XXXX, I asked a teller at drive thru about getting a replacement card during a visit to make a deposit. I was again told, the teller checked it and I should receive a new card in 1-2 weeks. 
In XX/XX/XXXX, I went online to the NCSECU Website to request a replacement card and the Website response was I should receive a replacement in 1-2 weeks. 

I have also verified my account has the correct mailing address. 

At no time was I informed I will not receive a replacement card or received any notification of account closure or cancellation of my credit card. My account is paid in full with a XXXX  balance. 

The SECU is denying me access to credit in which they have approved. At no time have they notified me or issued any disclosures that they were closing or cancelling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In late 2021, I called Bank of America to request a reduced APR for my credit card. The person, male, who answered the phone advised me that if I opened a new credit card ( i.e. a second credit card ), if I did that, that I could take advantage of their 0 % interest transfer and be able to transfer the entire amount that was currently on my Allegiant Credit Card to the new Credit Card and have 0 % financing for 18 months. I agreed based on this information. 

The truth is that this was not an accurate statement. So, my credit was dinged by Bank of America for opening a new card. I complained several times to the company. Bank of America offered to close the account- which I understood would ding my credit again, and they agreed that it would happen if they closed the account. But they never provided anything other than we are sorry and will talk to the employee who did this and said these things. 

This still infuriates me as I relied to my detriment on BOA 's representation that I would be able to have 0 % interest on my balance for 18 months. At no time has this happened. 

This is flat out fraud, and I advised them of this. I even called the fraud line for BOA and the only recourse they had was to close the account, which, again, would hurt my credit score. It did not occur to me until today that I could file a complaint with Consumer Protection. 

I believe this is standard practice for BOA to get as many credit cards out to people as possible. I would like BOA to have consequences for their agent's/employees behavior.

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 monetary relief
Consumer complaint received 2019-04-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is an XXXX  accouny with XXXX XXXX XXXX that is not my account. I have requested that the collection agency validate the account and have not received answer in timely manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation