BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 19 and 31 40 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I work for a small XXXX XXXX and due to XXXX, the XXXX cut hours in half ( 40 hours to 20 hours ). I immediately began contacting creditors including Specialized Loans Servicing regarding assistance. I was quickly approved and assured they would help me during this time and offer assistance after plan expired. 

At the end of the plan, I received a valuation on my property which clearly showed a large amount of equity. 

On XX/XX/2020, I received a letter stating that I did not qualify for any offers of assistance. I called the customer care number and asked for assistance. 

I was told that I had three options : short sale my house, turn over the keys to my investor, or pay a lump sum in order to avoid foreclosure. 

I have stayed in constant contact with my lender. I was assured repeatedly they would assist 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 2018-03-04
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:
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account. 

Creditor Name : XXXX, XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've done disputes with all 3 credit bureaus regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CITIBANK, N.A.
State: LA
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 have filed a dispute in regards with the incorrect items on my credit report. Its been well over 30 days & i haven't received any investigation results.

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 2020-12-01
Company: Bliksum, LLC
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:
Im trying to restore my credit after a Long span of trying to survive ... 

This loan was a predatory online loan taken out under stress ... 

After filing a dispute with XXXX  the predators jumped the loan from XXXX to over {$2500.00} on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Wed, XX/XX/2020, I placed an order for two XXXX XXXX XXXX Toilet Paper, 36 Double Rolls - White with the website carolike.com for the amount of {$64.00} USD through my PayPal account. This order was placed with carolike.com, as many physical and online stores had sold out of toilet paper as a result of the current pandemic, and I wanted to ensure my and my family 's household had sufficient supplies.

I received confirmation of my purchase via email from carolike.com, however, it should be noted that both the " view your order '' and " visit our store '' buttons were not working. Additionally, the email  originated from an " XXXX '' personal email address. Obviously, this was suspicious, however, I really had no way of checking my order or contacting them as their website was now down. 

On XX/XX/2020, I received a package from XXXX with what looked to be hand-rolled single ply paper and am uncertain if this is even toilet paper. It was certainly not the XXXX XXXX toilet paper I had ordered and will not be attempting to use this as toilet paper. On XX/XX/2020, I filed a dispute with PayPal advising them that this merchant is a scam as their website is no longer working nor is my order link in the order confirmation. I advised PayPal that I was not the only individual who is having issues with XXXX 's orders, and referred them to see the XXXX  reviews where many other individuals describing the same issue of having been scammed. 

I was notified by PayPal, that the merchant would provide me a full refund IF I shipped back the item I had received. I do not believe I should have to pay for the international shipping costs to the provided address which I can not even read provided by PayPal : " Return shipping address XXXX XXXX XXXX. '' The only acceptable form of resolution would be for this scammer pay for the shipping costs for the return of the unsanitary garbage I received from them, and my receiving a full refund. I am disappointed with PayPal and it's consumer protection process. It is clear that this merchant is scamming a number of individuals during this pandemic and causing consumers like myself undue harm and loss of monetary funds. They are taking advantage of and prey on consumers during this pandemic. PayPal should be ashamed by having partnered with this merchant and I am filing a formal complaint to make the CFPB aware of the issue and to assist in a satisfactory resolution to this matter. 

With that being said, I believe I should receive a full refund for this order as it is Significantly NOT as Described and for having been scammed by a merchant PayPal did not conduct sufficient diligence on when onboarding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
To Whom It May Concern, I always pay my credit cards in full so I'm not that familiar with how interest on them works but I can't imagine the below can be correct/legal otherwise how would anyone not being able to make full payment ever get out from under the debt? On my XX/XX/2018 Bank of America ( BoA ) credit card statement the full amount due was {$860.00} and I accidentally paid {$860.00} which is exactly {$6.00} shy of the full payment ( payment was made on time ). This was a typo error on my part, no question. This {$6.00} under payment somehow turned into {$12.00} in interest charges on XX/XX/2018 statement. When I called the company Customer Support line ( on/around XX/XX/XXXX ) to ask how accidentally not paying {$6.00} of the full amount due could turn into {$12.00} in interest the person could not explain this to me ( this is over 200 % of my accidental non-payment ). Frustrated with the person 's lack of ability to explain this made me cancel the card effective that day ( on/ard XX/XX/XXXX ). I made immediate payment of the full balance ( {$2900.00} ) which BoA recorded on XX/XX/18. Somehow even though the card closed and paid in full, I received a XXXX bill with an additional amount due for interest charges of {$5.00}. So accidentally not paying exactly {$6.00} in XXXX creates a total of {$18.00} of interest charges. The XXXX and XXXX statements are attached so balances and payment as well as interest charged can be seen. Any questions please reach out. If this is in fact legal ( please let me know ) and I will then share this insanity with my congressman and senators as this just does not seem fair to consumers. 
Thank you,

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 2021-01-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been calling three different numbers XXXX, XXXX and XXXX since last week. I even called early this morning just to avoid any traffic. NO ONE picks up!!!!! The app and website went through a so-called upgrade and honestly it doesnt seem that way because why cant I f easily locate where to access and download my statements??? Thats 's all I wanted to do since last week, but neither the app, the website nor the useless FAQs could help me. The option is not even there!!! Unfortunately this problem is not the first time Ive encountered it - I need my statements ASAP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Credit Bureaus are the biggest fraud against people in this country. Why do bad information rather pay off or keep showing up on credit reports while good reporting disappear. Why is Equifax still consider a reputable reporting agency when it allow a massive data breach. Equifax, XXXX   and XXXX are totally discreditable agencies. I do what they do I would be arrested for fraud. Why is my credit score 70 points different between the three? These agencies need to be investigated and regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wrongly denied my fraud claim ( XXXX ) thereby not refunding {$3300.00} denied my appeal as well. I DID NOT MAKE THOSE PURCHASES! NEED MY $ BACK i NOTICED THERE WERE CHARGES I DID NOT MAKE ( AND AT STORES iVE NEVER SHOPPED ) SO I FILED A CLAIM ( XXXX - {$3300.00} ). IT WAS DENIED AND WENT UNPAID/NOT REFUNDED. I APPEALLED AND IT WAS AGAIN UNPAID/NOT REFUNDED. THE CHARGES WERE FROM STORES IVE NEVER SHOPPED OR EVEN BEEN TO. THEY SAY BECUASE OF THE TIMING OF THE PURCHASES AND THE FACT i LOGGED ON A FEW TIMES BEFORE REPORTING THAT THEY DENIED MY CLAIM. AS FAR AS THE LOGGING ON, I DO USE XXXX AND I HAVE MORE MONEY IN MY ACCOUNT THAN IM USED TO AND DIDNT NOTICE AT FIRST. THE FACT IS I DID NOTICE AND i DID NOT MAKE THESE PURCHASES, AND i REPORTED WITHIN THE TIMEFRAME THEY STATED IN THE LEGAL PRINT. WHAT GOOD IS A DEADLINE IF THEY SHORTEN IT ARBITRARILY. I JUST CANT BELIEVE THEY ARE DOING THIS DURING THE HARDSHIP WE ARE GOING THROUGH. I NEED MY MONEY BACK. BANK OF AMERICA, PLEASE STAY TRUE TO YOUR WORD AND REFUND THE FRAUDULANT CHARGES TO MY ACCOUNT.

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 2018-07-12
Company: Uber Technologies Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have contacted XXXX Claims Department about unauthorized transactions on my account. They have responded that since the charges are above 60days from the day I reported they would not be able to assist me, I requested reasonable accommodation through the American With Disabilities Act and asked for assistance. The bank informed me since they were beyond the 60days they would not be able to investigate and refused to credit my account. I was under the impression I am FDIC insured. I have sent several emails to uber asking them to reimburse me and they have also failed to send me a response any help that CFPB could assist me with is much appreciated. 
I have charges on my checking account from uber, please advise they were not initiated by me. Would you be able to assist. 
Dates are UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$23.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( XXXX XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$5.00} I have called the banking institution I bank with. They were unable to reverse the charges because they stated it had been more than 60 days that I called to express fraud. I need the charges reversed. 
These are the dates of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Santander Consumer USA Holdings 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. On XX/XX/2019, SANTANDER XXXX  add a hard inquiry on my credit report per XXXX  . On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  . The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: WELLS FARGO & COMPANY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. On XXXX XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX XXXX On XXXX XX/XX/2019, WELLS FARGO XXXX XXXX add a hard inquiry on my credit report per XXXX . The report does not include information about the creditors. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-03-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Never authorized these inquiries ever!

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 2020-12-01
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi Im XXXX  receiving the social security they take too much money very high interest I wasnt expecting Im single mom of XXXX kids I cant pay much anymore Im very overwhelming for me Im alone only receiving my XXXX ssi I pay my van payment and I have my health issues too please help me its very overwhelming fir me being alone please text XXXX Im XXXX  I cant XXXX  or XXXX  or email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TransferWise Ltd
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have initiated an international transfer in the amount of USDXXXX using Transferwise on XX/XX/XXXX. Transfer got rejected on the recipient side, but Transferwise shows transfer completed on XX/XX/XXXX. After questioning them about the issue they said transfer its probably stuck with an intermediary bank and theres nothing they can do for me and that I have to wait. Ive been emailing them regulalry and always receiving the same answer that I have to wait. After almost 4 months of waiting they finally advised me today XX/XX/XXXX to file a complaint with CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
LVNV Funding is still reporting a collection owed on my credit reports even though they agreed to delete the account fully in return for a 50 % settlement. On XX/XX/2020 LVNV received a certified letter including a settlement letter and check. The letter stated that in return for a settlement, LVNV will delete the account fully from my credit reports. A few days later the check was cashed. They have since recorded the settlement amount but failed to comply with the settlement agreement as stated. The account is still appearing and showing a balance owed on my credit reports where it should have been removed fully as per the agreement. I've contacted LVNV about this and they have told me to speak to Frontline as they are now representing LVNV on this debt. I spoke to XXXX at XXXX on XX/XX/2020 who informed me the check and the letter have been separated in error, and verbal agreed to delete the item. I have reviewed my credit reports today XX/XX/2020 and the account is still appearing and shows a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XX/XX/XXXX Motion for Judgement

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 2017-08-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Well i'am trying to buy a home and all of sudden these people from Transworld Systems Inc. want to put a collection on my credit report XXXX XXXX XXXX ) a very old collection from 2013 or so i believe I never received a notice from them at all. I tried calling several times unable to get a hold of anyone. 

Its an old collection, reported as new, as said i called the number on the credit report and it wasnt accurate, found number on the XXXX  website, gave last 4 digits of my social, they could not validate the account. i also filled a complaint with XXXX   and they were unsuccessful in obtaining a response from the company. 

So i'am asking because they could not validate the account is there anyway i can request a deletion. My wife and I are having a very difficult time trying to get this matter resolved. Please any kind of help would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation