BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: PA
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:
Fraudulent charges were made to the following accounts. 

The statue allows for multiple reinvestigation. 

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: In progress
Consumer complaint received 2022-03-01
Company: CCS Financial Services, 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:
The Companie is repoting to the credit agency that I owe XXXX to them. I never had a contract with them. The companie was sent notice 30 to 60 and they didn't remove it from my report and its still repoting with a blance. The date was last reported XXXX the opend date was XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Was not notified of investigation status or results

Complaint:
I made my payments on time and paid my car loan XX/XX/2022 and even I have provided proof of tittle and paid off letter. it still in my report as late payment and as charged off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the dates below : 30 days late as of XXXX 2019 XXXX XXXX XXXX XXXX  XXXX My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX from this company it was credited to my account XX/XX/2022 and the initial payment was about XXXX per month I asked for an extension in XXXX and they Debited my account twice in 24 hours leaving me with a negative balance of {$400.00} because I had other bills coming you, Now because I am struggling to pay back they are now saying that I owe, XXXX when the original amount was around XXXX with the fees I am a struggling mom of four and I really need them to fix this so I can not have this debt hanging over my head, I filed a complaint with the BBB and I did not get anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't even know what this is for. I haven't lived at this address in over 3 years. I believe this is identify theft. I've contacted this company and informed them of this. They still call, text and harass me every other day.

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 2020-09-22
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I called XXXX XXXX XXXX to cancel services for my residence. Upon cancellation of my services with XXXX, I was informed that I had entered into a contract with XXXX for 5 years and that if I were to cancel my service with XXXX, I would be required to pay the remainder of the contract immediately. I informed XXXX that I had never entered into any type of agreement with XXXX other than when I first initiated service over 10 years ago. That contract had expired several years ago, and I was utilizing XXXX XXXX  services on a month-to-month basis. The supervisor then informed me that after my contract had expired, I entered into a " verbal contract '' with XXXX. I informed this supervisor that I had never entered into any verbal agreement with XXXX. On XX/XX/2020 I sent XXXX a certified letter indicating that that I had not entered into a " verbal agreement '' with their company, and to this date, I have never received a response from XXXX in reference to this correspondence. Instead, I have been harassed on an ongoing basis by " Credit Collection Services, '' which is a representative contracted through XXXX in order to collect the amount of my early termination fee. I am XXXX and the constant letters and phone calls has been putting me under tremendous amount of physical pain. I am XXXX years old and have lived on my own since I was 18. I have never entered into any verbal agreement with any utility company or any other company. I would never accept any contract that I did not physically have in hand so that I could read the terms of the agreement and be able to physically sign the contract in order to protect myself legally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all.

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 2023-04-21
Company: FIRST CITIZENS BANCSHARES, INC.
State: MO
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Attempting to open online account with CIT Bank ( XXXX ). Input basic data ( name, address, employer, SSN, US Citizen ) and webite immediately responses with " Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No info is provided. 

Contacted bank and they advised to try resumbitting from different location. Done multiple times over multple dates from XXXX to XX/XX/21. All result in same immediate automated response. 

Contacted bank for more specific information. They advised that the automated system has checks to attempt to identify fraud and think that maybe IP address or computer I applied from may be issue. Explained have done from multiple PCs and a phone all with same response. They can provide no additional info. 

Advised them per federal law, they are required to tell you why you are denied a bank account ( wife XXXX XXXX XXXX 25 years ). They advised they don't send any letter or email explaining and could provide no additional info. Only option was to write to corporate office. 

I have an excellent credit score, no charge offs, bankruptcies, or unpaid accounts, and as the response was immediate, I suspect there is some other issue such as IP location, etc. The bank should be required to disclose specifics however.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: EQUIFAX, 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:
I have tried several times to get derogatory and outdated items removed from Equifax and there information is not up to date I have incorrect information and never get to dispute it by the time I get to the final page it always says this page unavailable my score is way off and I need suggestions and or help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO ME

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 2022-02-28
Company: Reali, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/22 - Initiated contact with Reali.com. Filled out an application. 

XX/XX/22 - Locked in rate lock at 2.75 % by agreeing to 1.79 % points. Provided all documentation, including income and assets. Credit is excellent. LTV is approximately 60 %. 

XX/XX/22 - ( email ) Reali asked about COVID forbearance provided by XXXX XXXX. Provided applicable documentation. 

XX/XX/22 - ( email ) Reali updated saying they're still working through the forbearance. I questioned why there would be an issue as I've paid 4-5 months of payments since coming off forbearance and my expectation is lots of people are dealing with refinances post-COVID forbearances. 

XX/XX/22 - ( email ) Ask for update. Response a few days later with no new information. 

XX/XX/22 - ( email ) Ask for another update, express concern on how long it's taking. No response. 

XX/XX/22 - ( SMS ) Ask for an update. Get a response that they'll have an update in the afternoon. No update in the afternoon so contact them again via SMS, again expressing concerns on duration. No response. 

XX/XX/22 ( SMS ) Contact again for an update. 

XX/XX/22 ( SMS ) Response that " investor has come back and will do loan at XXXX % ''. Some back and forth as I was confused since I was locked in with a 2.75 % rate. No reasoning until I mention that it seems like Reali may be misleading customers/falsely advertising rates. At that point I'm told that I didn't qualify for underwriting guidelines. I expressed that I have not received notice of decline/non-qualification. 

XX/XX/22 ( Email ) Copied screenshots of text messages back to original email thread ( to consolidate communications ) and asked for an update. 

XX/XX/22 ( Email ) Received response. Told that second investor has declined and my file has been closed. 

XX/XX/22 ( Today ) According to my account on Reali, the process is still ongoing. I have not received any official notice of decline. According to XXXX, their document processing partner, my loan is still in open escrow and is currently in " Closing Prep ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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:
I paid XXXX XXXX in full and they are reporting it as a charge off. I paid it in full once I was notified of the debt. I was making auto payments and was not aware that XXXX XXXX was considering it not being paid. I never stopped making payments and finally received notification that I had to pay the balance in full. Once I received that notification, I paid it in full. They set up this 0 interest and 0 payment until such date and it lured me sign up. In hindsight, I should have paid it in full at time of purchase. Now this negative report of " charge off '' is preventing me from getting a loan. I have paid this debt and it should show as paid as full. 
Attached is the final payment. Again, I was making monthly payments the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
MY EX I WAS DATEING TOOK ALL INFORMATION AND IS NOW RECEIVEING MY PUA BENEFITS FOR COVID-19 THROUGH EDD, I BELIEVE THAT HE'S USING A FEMALE AS ME AND THEY'RE TAKING MY IDENTITY IN THE TRYING TO DO STUFF FOR MY IDENTITY AND I BELIEVE THAT THEY HAVE ANOTHER EDD CARD OR TRYING TO RECEIVE ONE IN MY NAME WERE THEY TRYING TO RECEIVE A CHECK IN THE MAIL EITHER WAY IT GOES HE HAS ALL OF MY MAIL IT WILL NOT COME GIVE ME NONE OF MY EDD MAIL I'VE SEEN THIS PERSON NUMEROUS OF TIMES AND HE STILL WALKING AROUND LIKE HE HAS NOT DONE NOTHING WRONG I WAS SUPPOSED TO GET PAID ON MONDAY BUT I DID NOT RECEIVE ANY BENEFITS BECAUSE HE TOOK MY MAIL TO RECERTIFY MY BENEFITS

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 2023-04-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I SENT LETTERS TO TRANSUNION, XXXX, AND XXXX  ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.

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 2017-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calling me every day like seven times a day. My cell number is register to do not call service, but they keep calling from diferent telephone numbers. They already suit me, but they insisting and keep calling some times three times in a roll ... from XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: Nelnet, Inc.
State: WA
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:
XX/XX/2018 I received a text message from Nelnet ( XXXX ) XXXX ) stating my loan was in default. This is not Nelnets phone number nor is the number to contact them back at ( XXXX ). I called the phone number where I told them my social security, date of birth, name. They then told me my loan was fine but if I knew someone by a different name that may be listed under my account. I have reported this issue to both Nelnet and the department of education along with re obtaining my XXXX account to watch for fraud or identity theft. I am unsure what else I need to do or report to protect my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a Paypal account on XX/XX/XXXX related to my first attempt to sell a personally owned item on XXXX. A buyer purchased the item and paid via Paypal. Paypal almost immediately limited use of my account until I provided a shipping tracking number and indicated that a hold on the funds now in my Paypal account would be lifted once the item was delivered. I provided other information to Paypal including a copy of my drivers license, a screen capture from XXXX showing the buyer and seller information. They requested a receipt from the supplier of the item. The item I sold consisted of archery supplies that I have owned for several years, and none of which I have receipts for. I contacted Paypal through their messaging service requesting more explanation for why my account was now limited. I received a response several hours later saying that they would review my request. I shipped the item on XX/XX/XXXX and uploaded the tracking information to Paypal. I received an email from Paypal on XX/XX/XXXX informing me that I can no longer do business with Paypal and that the balance of {$200.00} was frozen for 180 days. I contacted Paypal again on XX/XX/XXXX through their messaging center and requested an explanation and a review of my account. I received a reply from XXXX XXXX saying : I apologize for any inconvenience this may have caused you. I have reviewed your case and can see that our decision to leave your account in a permanent limitation status is final. PayPal reserves the right to limit access to any account reported to be involved in possible fraudulent or high risk behavior. Due to the potential risk of chargebacks and other risks of funds reversals, your balance will be held 180 days from the date of the limitation. At that time, any remaining funds will be available for withdrawal. I scheduled you a callback. One of our account specialist will call you at the phone number on file. Just keep your lines open.

I am in apposition now where I sold and shipped my personally owned item. The buyer paid for it and will receive it this week. I can not  access the funds paid to me for almost 6 months because Paypal permanently limited my account. Paypal has not provided any explanation to me why the took this action. I also can not remove my debit card and checking account information from my Paypal account due to the status that it has been placed in by Paypal. I would rather not have my account information held by Paypal, particularly since they have limited my ability to use their service without explanation. Paypal has only provided general responses that my use of my Paypal account amounted to possible fraudulent or high risk behavior. No details have been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  All the above mentioned accounts have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX continues to show on my credit reports. I have contacted the 3 major bureaus and XXXX and it continues to show. I closed this account with XXXX XXXX orders in XX/XX/2013 and it shows a balance that was not owed. I currently have an account with them also which makes no sense. Please remove the XXXX negative account from my credit report # XXXX. Thank you in advance.

Company response to consumer: Closed with explanation