BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

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 2020-02-22
Company: EQUIFAX, INC.
State: CA
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:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I filed a complaint with your agency last week. This complaint is in regards to Navient private student loans. I spoke with my rep, XXXX, who offered me a seven month the forbearance on one of my private student loans which was the most likely to default. When I signed in to Navient system the forbearance payment of {$50.00} I made and the forbearance was nowhere on my account. I sent an inquiry to Navient and I filed a complaint with your agency. Navient has now contacted me and is claiming that the forbearance was backdated and ended on XXXX 2017, so my loan is not actually in forbearance according to a different representative. That is not what was explained to me by the representative I spoke to at Navient. I was informed that the seven months forbearance would allow me to get the other two loans caught up potentially and figure out some financial options. Navient is saying they backdated the forbearance. That whole argument is confusing because they have already reported me negatively to the credit bureau 's and if I was in forbearance they would n't have anything negative to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2019 I went to Santander Bank located on XXXX XXXX XXXX in XXXX XXXX, New Jersey. I spoke with a teller by the name of XXXX XXXX and was inquiring about my CDS account. I had asked if it had her " is there any problem is I pull out the money? '' and she said " no there is no problem you can take the money out ''. She never told me that I would receive a penalty for taking the money out 2 days too late because it had rolled-over into a new CDS account. Since she said it was okay, I closed the account. 

In XX/XX/2019 I received my income tax paperwork from Santander Bank which showed a penalty of {$100.00} for closing my CDS account 2 days after it rolled-over. As soon as I received this paperwork, I went to the branch to discuss the issue with XXXX who is manager and explained the conversation that had taken place with their staff member. 

They had apologized for the misinformation on behalf of their staff member but also said that there was nothing that they could do to correct the issue. 

I'm am reporting this issue in hopes of receiving a refund of {$100.00} for the penalty. I would also hope that this never happens to anyone else. All Santander staff handling accounts should be well-versed in rules and regulations that would result in a financial penalty for their patrons. 

Thank you for your time and consideration in this matter. I am looking forward to hearing from someone on your staff to discuss this issue further. 

Sincerely, 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 2020-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNT LISTED HAS NO RELATION TO MY NAME, THIS ACCOUNT IS REPORTING INACCURATELY ON MY CREDIT REPORT AND HAS BEEN CAUSING DAMAGE TO MY FILE. PLEASE INVESTIGATE THIS ACCOUNT AND HAVE IT OFF MY CREDIT FILE.

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 2022-04-27
Company: EQUIFAX, INC.
State: GA
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:
I believe the reporting credit bureaus are in violation Equifax XXXX And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: ProCollect, Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I lived in an apartment complex that used Procollect as their collection company. Theyre claiming that I owe them double the amount originally owed. Ive wrote them and asked them to verify how I owe Procollect, and they wont furnish a contract that states that I owe them specifically. They keep sending information from the closed down apartment complex. Please watch out for Procollect because they are fraudulent collectors and will make your life a living 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 2017-09-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Someone else has opened a PayPal account using my email address ( XXXXXXXXXXXX ) even though I did NOT click on the verification message that was received. My complaint is that PayPal allowed this account to use my email even though I did NOT open the account or verify that the email should be used. 

Further, in the email, there is NO WAY to reject the verification. In fact, the email says not to reply by email. In order to file a complaint on the PayPal website, it requires me to login. How am I supposed to login when this is a fraudulent account? So my second complaint is that PayPal has made it difficult to resolve an issue that they are responsible for creating in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
Company: EQUIFAX, INC.
State: CA
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 am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 

The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete.

2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete.

3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: CAINE & WEINER COMPANY, 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: Was not notified of investigation status or results

Complaint:
Dear Sir/Madam : I am writing to complain and report XXXX XXXX XXXX for trying to abuse the credit reporting process to extort and coerce me into paying a debt I do not owe. XXXX has engaged a Cain and Weiner - a debt collection agency - to recover non-existent a {$410.00} debt claim. I've called and written Cain and Weiner to dispute, complain, and demand that the debt claim be fully removed from my credit record with the three credit reporting bureaus. Yet the debt is still showing on my record even though qualified as disputed. This debt claim is not legitimate or valid whatsoever. My transactional interaction with XXXX XXXX XXXX is as follows : On or about XX/XX/XXXX, I paid XXXX XXXX XXXX {$870.00} for 6 months policy coverage per their quoted premium ( Exhibit A ). Full payment was made via ACH on XX/XX/XXXX. Sometime in XX/XX/XXXX, XXXX XXXX XXXX tried to increase the premium which I rejected. I informed XXXX XXXX XXXX of my decision to cancel the policy and did so on or about XX/XX/XXXX. Upon cancellation of the XXXX XXXX XXXX policy, I purchased another policy for the same vehicle with XXXX XXXX effective on or about XX/XX/XXXX XXXX Exhibit B ). 
I exercised my legal right to cancel the XXXX XXXX XXXX auto policy before the end of the term for which Id fully paid. I dont owe XXXX XXXX any debt. Neither the company nor its collection agent have explained to me the basis for this debt claim? 
I respectfully request an investigation into this debt claim. XXXX XXXX XXXX should provide the basis for the claim if one exists and any supporting evidence. Otherwise, this false item should be expeditiously removed from my credit record entirely. Failure to do so would be an abuse of the credit reporting process designed to extort and coerce me into paying a debt that I consider totally invalid and not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I tried to use my temporary debit card as my card was frauded on XXXX XXXX. It was decilined both in and out of the gas station. We then call customer service at XXXX XXXX to be told my tempary card has been shut down only good for 30 days saying I have to go to bank to get another temporary card a 25 mile trip one way. That is unacceptable as we called about permant card and not having it on several occasions. was told hurricane delayed things jusdt wait nothing again about the temp card only being good 30 days. This is not right at all never informing me it was going to be shut off. Not giving me access to my money costing me money to have to go get another temp card. Very upset.

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 2017-09-29
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted XXXX XXXX and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that XXXX XXXX is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, XXXX XXXX comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with XXXX XXXX XXXX XXXX to lower his payments and not lose the home. I was not involved in that in any way. XXXX XXXX told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation XXXX XXXX sent to me regarding the loan modification in his name only.

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 2017-09-29
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony bank has charged me for a Card Security fee without my authorization and told me they would cease this service and give me a refund within 1 week. I have yet to hear back from the company and yet to hear about anything regarding a refund to my account. The past year I have been receiving a XXXX dollar Card Security Fee without my authorization.

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 2017-09-29
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
Wells Fargo Home Mortgage was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted Wells Fargo and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that Wells Fargo is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, Wells Fargo comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with Well Fargo Home Mortgage to lower his payments and not lose the home. I was not involved in that in any way. Wells Fargo told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation Wells Fargo sent to me regarding the loan modification in his name only.

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 2020-02-22
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
On XX/XX/XXXX I disputed an account listed on my credit report as Midland Funding LLC for the amount of {$620.00}. this came back as verified, however without documentation or original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Strategic Alliances, Inc.
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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( FIRST FININANCIAL AS {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I been paying on a trail for a medication from Seterus since XX/XX/XXXX 2017!! loan number XXXX Now it going on 8 months and still no medication.. Call them and they tell me everything looks good and it taking sum time!!! Never missed a payment and put extra money in to escrow!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: GA
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:
I believe the reporting credit bureaus are in violation XXXX Experian And XXXX XXXX stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 b

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 2020-02-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I already have a case going with you against Wells Fargo. Case # XXXX. Just wanted you to know I filed a complaint suing Wells Fargo for what they did to me and have attached 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 2017-09-29
Company: EQUIFAX, INC.
State: GA
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:
I received an email on XX/XX/XXXX about Equifax data breach that affected many consumers. I was one of the consumers that it affected. I called Equifax on XX/XX/XXXX to have inquiries and other items removed off my credit report, because of this breach. I talked to a rep and was told " NO '' they could not remove the items off my credit report. The email that I received stated the following " XXXX, As you may know, millions of Americans had their personal information exposed by the recent Equifax data breach. Also, they have been hit with a lawsuit over the breach that affected 143 million consumers. Equifax failed to protect the consumer data it collects, including millions of Social Security numbers, names, email addresses, birthdates, and other personal information lost to cyber thieves ''. I feel that Equifax should be able to delete items from my credit report, because of this breach. Here is the following inquiries that was not deleted off my credit report because of the breach. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX/XXXX XX/XX/XXXX 10. XXXX XXXX  XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX **I have dispute many times with Equifax about being an victim of identity thief and now I learned that Equifax has breach many consumer data. Need Equifax to removed the inquiries off my credit report and two collections that are on my credit report : 1.  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$XXXX} 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) for {$XXXX}

Company response to consumer: Closed with explanation