BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! I want this off my credit asap! 

yall keep saying yall are doing a internal investigation but are saying it is factual information how can fraud be factual information!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Information belongs to someone else

Complaint:
I am submitting this report in hopes of fraudulent account removal from my credit history. I have attempted to search for the school that was shut down due to fraud and unfortunately someone used my information to attend this school and now I am being held financially responsible for a loan or tuition for a school I never attended. I have also noticed accounts for banks and credit cards that I am not understanding is tied to me in any way. I am hopeful that this will be resolved so that I can build my credit for myself to financially take care of my personal life and responsibilities.

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 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX & XXXX - two unauthorized ATM withdrawals for {$1000.00} each were made on my Bank of American EDD debit card. 

I filed a fraud complaint on the XX/XX/XXXX with BOA Fraud Department. After calling them back on XX/XX/XXXX, I was informed my claim was denied. Stating that I am at fault.

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 2020-11-20
Company: SG and Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have already filed a previous complaint for this company to stop calling me or my family or my job. They are refusing to STOP. The are constantly calling and using abusive language to threaten me to pay this debt that I do not owe them. I have already mailed them a request for verification of the debt and they refuse to send me a copy of the balance or payment history, what the debt was and where it was from, instead they insist on calling and calling and calling. They are calling my family and my work giving false statements and representations that I am being sued and that my wages will be garnished.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Experian Information Solutions Inc.
State: UT
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame

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 2023-03-25
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from XXXX XXXX, thats what shoes on my caller ID and they called me in the morning and the night mid day sometimes like XXXX times a day nonstop and I dont owe anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There's addresses and a Bankruptcy that needs to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today XX/XX/XXXX I received an email from XXXX  XXXX  that my credit score changed, I checked my changes and it said my credit limit decreased from {$1500.00} to {$590.00}. I contacted Synchrony bank and asked why was my limit decreased and the rep told me because the credit bureaus reports my credit score to them monthly. I never gave them permission to check my credit without my knowledge, my balance is {$570.00} with a new limit of {$590.00} and this XXXX it look like my utilization is high. I contacted XXXX  and asked them if they report credit scores to creditors and I was told that they do not. I see a lot of customers complaining that synchrony bank is decreasing limits because of the pandemic. I feel as if this is unfair to me and now my credit is suffering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage want give me the day my property was forclosed on and what year

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 2020-05-28
Company: PNC Bank N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I tried linking my banking account with XXXX a cryptocurrency platform and my connection was blocked. I haven't called the bank to settle this yet but I wanted to file this here. This was done today. Earlier the bank called because they had blocked a transaction of purchase and they asked if it was me and I let them know. They should have allowed this connection to go through already. I would just like to figure out why does this continue to get blocked with they had talked to me earlier. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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: Old information reappears or never goes away

Complaint:
Transunion is the only one, well XXXX  as well that is showing wrong information accounts that do not belong to me, that is why XXXX delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but Trans. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.

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 2020-11-20
Company: Atlantic Recovery Solutions LLC
State: NM
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:
I believe Atlantic Recovery Solutions called my step mothers cell phone on XX/XX/2020 saying they had a business letter they needed to send me however did not identify who they work for and apparently have my cell phone number as they text on XX/XX/2020 me saying they had a legally required notice they sent to me which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am concerned about the validity and accuracy of your recent investigation of  accounts that are reporting on my credit report. Last few months, I have requested investigation & reinvestigation because I felt the items above were not being reported legally. Few days ago, I received a new letter stating that your reinvestigation was complete. Please explain to me how you conducted your investigation!This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. Please respond accordingly                                 

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 2017-09-20
Company: Navient Solutions, LLC.
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:
I owe XXXX to Navient. XXXX XXXX I went on vacation from XXXX XXXX and came back homeless. I found a place to live again and was scheduled to resume my studies in XXXX XXXX. Then, the school shut down and I they said I owe XXXX i do n't know what to do. i want to resume my studies in XXXX but dont want to pay more loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ERC
State: MA
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: SUNTRUST BANKS, INC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Suntrust Bank is denying my student loan application based on income/race/language discriminationI am a student going to graduate school and am seeking for a XXXX student loan from Suntrust Bank. The loan is approved for credit but is requesting additional documents for my cosigner to verify his income. This bank is always using the reason cannot verify cosigner's income to reject my applicaiton. Loan ID: XXXX Spoke to suntrust custom loan representative XX/XX/19, asked why additional document is required. Said that the cosigner's income doesn't match the the amount on the paystub. He told me income can be projected, try to use the formula using weekly pay x 52week = annual gross income. If the number doesn't add up, I have to re-apply using a lower income amount. Loan ID: XXXX I reapplied, using the formula, put XXXX for cosigner's income. $XXXX/hr x 40 hr/wk x 52 wk/year = XXXX. Uploaded 3 recent paystubs, again asked me to provide additional document for the cosigner. Called suntrust custom loan representative XX/XX/19, asked why? They said they cannot verify income, didn't give a reason, just saying doesn't add up. So I spoke to the supervisor, he said that the number doesn't add up, no why. When I asked how much the cosigner need to put for his annual gross income? He didn't answer,  said he can't provide me additional information if he cannot speak to the cosigner. The supervisor is also not willing to connect me to the loan origination department to ask for details. But the cosigner, who's my father, cannot communite in English. He started his job this year, working full time, earning $XXXX/hr. I and my father didn't do anything wrong, and Suntrust bank is kept rejecting our documents without providing a clear reason or any instructions to help us proceed the loan.

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 2020-11-20
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have tried countless times to resolve dispute XXXX with PayPal. PayPal never reached out to the merchant to submit documents to the credit card company. I personally got information from my credit card company to complete this process and passed it on to the merchant. 
Now the dispute has been settled since XX/XX/2020 and the funds disputed {$5000.00} have been applied back to PayPal but they have ignored to resolve the dispute by crediting the merchant these funds. 
When contacting PayPal they give you standard messages which have nothing to do with resolving the problem. I will not accept these standard messages with this complaint I'm filing here, they simply need to do their job. 
Everything on my end is in order with the credit card company. PayPal needs to resolve their side asap. I will enclose documentation from my card issuer XXXX XXXX of the outcome of the dispute and the applied charges back. PayPal should have received a similar letter awhile ago. 
I have a good relationship with my merchant and they do not deserve to be waiting for funds when the product has been shipped. They need this resolved so they can conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: NJ
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:
In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX  is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting for XXXX  to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to Consumer Affairs Office in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because XXXX  refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by XXXX. Please block and remove these fraudulent accounts within four days : 1.XXXX  XXXX / XXXX XXXX  | XXXX Balance : {$3000.00} 2.  XXXX XXXX / XXXX | XXXX Balance : {$3400.00} 3.  XXXX XXXX  | XXXX Balance : {$1400.00} 4.  XXXX XXXX  | XXXX Balance : {$8600.00} 5. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7.  XXXX/XXXX XXXX XXXX XXXX | XXXX Balance : {$5000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BARCLAYS BANK DELAWARE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE. Per FCRA, reporting must be 100 % accurate or the information must be delete.

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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2018-02-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The problem with the company is I have paid what they told me to pay at the beginning of the instalment loan. I have paid the amount they requested but they kept on withdrawing my bank account and added interest. After I spoke with several of the representatives and bot abke to resolve the issue they put a balance that should not have been there in the first place on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 MRS BPO placed a collection account on my credit report in that amount of {$290.00} I called and ask the rep why was this account showing on my credit report. She asked my name and address and stated she couldn't find me in her system and told me to dispute the charge. I told her if she could not find my name and address in her system then how was this account placed on my credit report? To no avail could the rep answer my questions. I never received any mail or phone calls from this company yet an account for {$290.00} was placed on my credit report. I need help for I have no knowledge of this account or company. MRS BPO XXXX XXXX XXXX XXXX XXXX, NJ XXXX with a phone number of XXXX is on my credit report as an collection account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: NJ
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 tried continuously to have - Delinquent past/present obligations removed excessive number of inquiries, and installment late accounts removed from my credit report. I have submitted documentation XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
During these submittals, I have supplied information that stated these accounts were settled/with settlement letter and they should be deleted from my report. There are numerous reports and inquiries that are over seven to ten years that I have also asked to be removed. 
There are incorrect names, addresses, and phone numbers. 

I am requesting that someone help me to fix these issues, so I can continue towards a better future. Thank you for your time, XXXX XXXX

Company response to consumer: Closed with non-monetary relief