BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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:
On XX/XX/2020 I received a notification that I had a charge of {$50.00} in the bank statement. When I see what it is about, it says that it is an Annual Charge of {$50.00}, which was strange to me, because I am not subscribed to an annual charge with that card. When I call the Bank they tell me that it is an annual charge for having the Banco Popular of Puerto Rico XXXX XXXX However, that was strange to me, since in 5 years since I had the card, they have never made me that charge and I never accepted to be charged. Bank representatives tell me that it is new policy and that I have to pay for 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 2020-05-02
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I made a transaction with a company I thought was legitimate, never received a invoice, their phone was always busy. Research revealed this company for intended purposes doesnt exist. They were paid through this company which now has refused my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: MO
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:
XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX  and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXX XXXX account # XXXX Balance approximately {$6000.00} Home Equity line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: PA
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:
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

I have reached out several times to XXXX XXXX and Experian and have gotten no results. The proof that was sent to me was a medical bill with my private health information. Experian has violated HIPPA and so has XXXX XXXX and still, the items are being reported. Please respond and explain how and why you are still reporting HIPPA information from 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 non-monetary relief
Consumer complaint received 2018-12-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I filed a dispute for a purchase made at XXXX XXXX for {$400.00} as the purchase was not received. On XX/XX/XXXX more than 6 months later and well past the timeline allowed to finalize and correct a dispute CHase sent me a letter stating the purchase was made in person, which I stated in my original dispute. The purchases were bought in the store for delivery by XX/XX/XXXX. I received a notice from XXXX XXXX stating the orders had been delivered buy upon arriving home no packages had been delivered. I returned to the store where the purchases were made to inquire. The store told me to wait another day and they should arrive. To date, I have yet to receive this merchandise or a store credit. The purchase receipt clearly shows a shipping charge of XXXX for order Order # XXXX. Yet Chase states there's no evidence the order was shipped or not provided at the time of purchase opposing the original sales receipt or shipping notifications received from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I'm having problems mainly with Bank of America. The issue is that there were back payments owed to me through XXXX XXXX XXXX XXXX that I had difficulty getting.

When it was finally resolved, {$790.00} was put on a debit card that was issued by Bank of America apparently in XX/XX/XXXX that I did not know existed or receive in the mail, and can not gather any information or access to this account from Bank of America. However the most recent claim of {$290.00} was sent XX/XX/XXXX by direct deposit to my regular checking account at Bank of America as I had requested. 

My issue is that the soonest that I could get a new debit card sent is this Friday the XX/XX/XXXX, which is coincidentally the same day that my next car payment is due at XXXX XXXX XXXX and has already lapsed once while I was trying to get the XXXX claim processed. 

I can't rely on the card to arrive at the address on time because it is my ex-girlfriend 's mom 's house and she has lost several credit cards that I had mailed to me before now and need the money transferred to my regular bank account, from the Bank of America account created for me by XXXX in XX/XX/XXXX. 

I was also having difficulty discussing eligibility of back payments from XXXX for XX/XX/XXXX because I couldn't get the claims processed and ended up returning to work before ever getting that resolved. 

I've run into every issue possible dealing with all of these agencies so any assistance here would be greatly appreciated. 

Thanks, 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 2018-05-17
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send Aargon a letter asking them to validate some debts that are on my credit from them the end of XX/XX/XXXX I never rd recieved validation and they deleted these debts but added them back in XX/XX/XXXX without 5 days notification of reinstatement. Some debts came back on certain credit reports. The dates that were reporting on are now XX/XX/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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
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:
I have been a victim of identity theft.

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 2020-05-02
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:
On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX  # XXXX I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as account verified as belonging to me, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX  # XXXX. Now to get to the nature of my dispute for XXXX # XXXX - XXXX. Reporting 3 different Date of 1st delinquency 3 Bureaus 2. Reporting 3 Date of last payments. 4. Date of last payment is not the same across the 3 Credit Bureaus. 
By looking at the documentation I submitted these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH XXXX DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO 3 BUREAUS saying 3 different things.it 's obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I submitted to them. 
bankruptcy is not the issue with this account nor is who it belongs too. The issue is no one from JPMCB was contacted for the dispute and no evidence was submitted there is 3 different reporting on these issues of my dispute I have proven that so deletion is the only outcome which was the the determination Transunion came too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION. BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2019-09-26
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: Information belongs to someone else

Complaint:
Equifax continues to report fraudulent charges on my credit report, from XXXX  XXXX XXXX, after I have reported/informed them that XXXX XXXX XXXX is reporting fraudulent charges/activities that do not belong to me. Equifax is also posting this account in support of XXXX  XXXX XXXX ; without viable proof. When I reported the incident to the CFPB in XX/XX/XXXX about XXXX  XXXX XXXX not rectifying this issue, XXXX XXXX  XXXX did not respond to the complaint in a timely manner, nor did they provide a resolution or reasoning. I would like for Equifax to remove the fraudulent account from my credit report. They are the only reporting agency reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have attached 3 FTC reports in which these accounts are not mine, severely outdated in which its later that what the FCRA allows, addresses are not mine, and inquiries in which I did not allow.

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 2020-05-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I emailed XXXX to ask if the email was legitimate. No money was taken by the email stated I was approved for PPP and that I needed to provide banking information for deposit. This contradicts other emails I got stating, I would receive a document from XXXX to sign in order to get the check.

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 2020-05-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need the credit freeze to be removed from my file ASAP. I am about to buy a HOME and the bank can not access my credit profile. I have attached my ID and SS card to this complaint and address information. Please remove any and all blocks/freeze from my credit 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 non-monetary relief
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need the credit freeze to be removed from my file ASAP. I am about to buy a HOME and the bank can not access my credit profile. I have attached my ID and SS card to this complaint and address information. Please remove any and all blocks/freeze from my credit 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 explanation
Consumer complaint received 2019-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 a check was written to Capital One Auto Finance XXXX XXXX XXXX, XXXX XXXX  XXXX CA XXXX, Check number XXXX for the amount of XXXX . The bank has confirmed that it was deposited to account ending XXXX on XX/XX/2019 which is listed as a Capital One Account. The funds were taken from my account but after calling Capital One several times they can not find the money, there is not account of the payment and they are still attempted to collect and repo the car. There should not be any threatening communication when it has been made clear that there is an error on the Capital One Side.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have attached 3 FTC reports in which these accounts are not mine, severely outdated in which its later that what the FCRA allows, addresses are not mine, and inquiries in which I did not allow.

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 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score history suggests there have been forces impacting it negatively, but my report does not indicate any negative activity. My score on XX/XX/2019 was XXXX, my score on XX/XX/2019 was XXXX, and my score today ( XX/XX/2019 ) is XXXX. TransUnion is unable to give me a reason for this drastic change. TransUnion refered me to the FTC and the FTC refered me to the CFPB to file a complaint.

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 2017-11-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I applied for Income Driven Repayment through XXXX because I knew that I would not be able to afford the {$210.00} per month payment on my small salary. I applied on XX/XX/XXXX, received notice that my request was received by XXXX on XX/XX/XXXX, which was the last I heard from them. I contacted XXXX through their customer service online chat on XX/XX/XXXX to inquire about my request. XXXX, their customer service agent noted that they did receive my request but they only applied my request to SOME of my loans even though XXXX services ALL of my loans. They conveniently applied my request to loans that are " In Grace '' but not towards loans that are " In Repayment. '' When I applied for Income Driven Repayment, there was no where on the application that stated that the request would only apply to some loans. XXXX in their acknowledgement stated that they would contact me when my request was approved, which was not the case or else I would have known early on that they only applied my request to a portion of my loans. XXXX did nothing but sit on the application until it was to late and now I am 6 days late on my loan payment. XXXX, claims they ca n't postpone my payment because they " ca n't expedite the process. '' So now my request has to start from the beginning again while my loans continue to be delinquent. 

XXXX is notorious for sitting on Income Driven Repayment applications and due to their past behavior, I am afraid that they will delay my application until they can squeeze a payment out of me. I do not want my delinquency to be reported to credit agencies and XXXX is very aware of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is in foreclosure and in order to get help I need a statement from my finance company in which I've been unable to get and my finance company say they are unable to provide. I haven't received a statement since XX/XX/2018. And I need this to get help with the foreclosure.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting my name as XXXX XXXX and that I live in Tennessee, I've never lived outside of ARIZONA and MY NAME HAS NEVER CHANGED. THEY ARE THE ONLY CREDIT AGENCY THAT IS KEEPING FALSE INFORMATION ON MY CREDIT AND I'VE PROVIDED THEM MULTIPLE TIMES COPIES OF MY BIRTH CERTIFICATE, DRIVER 'S LICENSE AND OTHER ITEMS JUST FOR THEM TO KEEP FALSE REPORTING AND TELL ME ON THE PHONE AND EMAIL THAT I CAN'T DISPUTE THE INFORMATION AND ITS ACCURATE. I NEVER LIVED AT XXXXXXXX XXXX XXXX XXXX XXXXXXXX TN, XXXX AND MY NAME IS NOT 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 non-monetary relief
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: NY
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against 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 explanation