BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
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, XXXX XXXX HAS violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
There is incorrect information on my credit report regarding a collection account from XXXXXXXX XXXX XXXX According to the law and FRCA this information has to be reported correctly. Remove this collection from my credit report immediately. 

XXXX XXXX XXXX  Account number : 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 2023-07-24
Company: EQUIFAX, INC.
State: MD
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:
This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.

Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting phone calls during my work hours to my work from this company ERC. I would be glad to return their phone call if they call my cell phone and leave a voicemail. I dont know how they found my place of employment as I never gave them this contact information of authorization to call me there. They keep calling me to my place of employment and I totally disallow this. They provided a reference # XXXX. The contact number they provided is XXXX and company is ERC. It looks like their website is www.ercbpo.com and guy that called me is XXXX ( did not leave last name ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: NE
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as law for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Prosper Marketplace, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan through Prosper after being pre approved via XXXX XXXX. I began the application, but decided to hold off. They sent me numerous emails asking me to finish the application. 

I received one email per day starting on XX/XX/XXXX. On XX/XX/XXXX I decided to take the offer. They required one piece of documentation after the application and funds were approved ; proof of income. 

However, their process of acquiring that proof appears to be either arbitrary, or nefarious. The only option given is to submit a pay stub. My employer, however, does not provide me with that. He just writes me a check. I am a XXXX XXXX. So, I submitted the most recent check I had. 

I received a phone call today, XX/XX/XXXX, stating that they needed a pay stub, not a check. I asked what information they would need since my employer does not provide a pay stub. I found it irrelevant how the information was given, provided that they had the information. However, the woman made it clear she was not going to give anything anyway and that I had to submit a pay stub and they would not accept anything else. 

So, I submitted a pay stub with the following information : Employer name, address, tax ID #, and phone number ; my social security number, address, phone number ; the check number and paid date ; federal, state, local, social security and XXXX withholdings ; gross and net pay. 

She denied the document citing " the information was inappropriate, '' and not clarifying beyond that. I called back and talked to another individual. When I pressed on why they are so coy about what information they require of me to prove I have an income she said, " if we tell you what information we need, then you'll just give us that, '' as if that is nefarious and an individual has to guess what they're looking for or lose out on the loan. 

If they need information to prove my income, then they need to let me know what that information is beyond a " pay stub, '' since I provided that and they deemed it " inappropriate. '' The agent appears to want the information in some arbitrary format that nobody at Prosper is willing to disclose. The institution needs to simply review and verify what I have given them to see that I do, in fact, have an income. Their unwillingness to do so, I believe, is discriminatory and intentionally deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I mailed a personal check for $ XXXXfrom my Truist account to our contractor, XXXX  XXXX XXXX XXXX XXXX XX/XX/2022, at the XXXX XXXX XXXX XXXX GA ) post office. The check never arrived to the contractors office so I checked my account on-line to find that the check had been stolen and cashed by XXXX XXXX XXXXXXXX XXXX This name was handwritten on the check over the " erased '' payee to whom I wrote the check. I contacted Truist immediately and a fraud claim was issued. I have the claim number if you need it. That was issued on XX/XX/2022. Since that time, I have contacted Trusit several times to find that no one has yet looked at my claim. This morning was the last time I called them. I am now in need of help dealing with this bank. 
I have also filed a report with the 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 2021-03-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello there, paypal closed my account and didn't give me the reason. Exept that I allegaly broke their rules. The only thing I'm selling is XXXX  for XXXX  I've read through their User agreement and it doesn't say that I can't sell that anywhere. My reaputation is also very good with 21 total feedbacks which 19 were positive. I assume this needs to be a mistake on paypals end. I sent them a mail regarding this but I've still not recived a response from them 2 days later. XXXX Mail sent XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
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:
This Credit Reporting Agency has continues to show little to know respect for the law.0n XX/XX/XXXX I filed a complaint with your organization requesting that Equifax be in compliance ( file number XXXX ) Equifax requested that I send identification info, I provided them with this info on 4 separate occasions and when they finally responded they ask for the same info again. So on XX/XX/XXXX I sent Equifax another compliance letter with the requested info and on XX/XX/XXXX I receive another request for the same info, The continue to use stall tactics and report inaccurate information on my report.The also have refused to send me an current and up to date credit file,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Kriya Capital, LLC
State: NJ
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:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi I have issues with XXXX  XXXX XXXX XXXX XXXX  and Chase i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: KY
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:
This is my second attempt to remove these fraudulent accounts from my credit reports. My first attempt was sent back to me by the CFPB stating it wasn't me submitting it. This is me!!! XXXX XXXX, so please forward my complaint to the CRA 's!!

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 2018-12-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been making payments to Navient on a private student loan for the last 5 years. The balance continues going up. 

My mom who is XXXX cosigned and they will not allow her off the loan. I've been given erroneous information about allowing her off the loan. 

They have destroyed her credit and mine and I've called for answers, resolution and they will not provide any info. 

They are now harassing my mother at home by calling 15-20 times a day. 

I've fallen behind on payments and have called for assistance and I've been told I need to pay {$1800.00} and there is nothing they can or are willing to do to assist me. 

I desperately need assistance and a resolution to this. Please help. As you know Navient has multiple lawsuits pending for shady and illegal practices. I'm one of the people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 1681c. ( a ) ( 5 ) Section States : no 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 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 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 2021-03-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, my ReliaCard was stolen at approximately XXXX, while I was asleep. Upon awakening, I immediately called ReliaCard and reported my card stolen. I then immediately called the police and filed a report ( which Ive submitted to ReliaCard twice now. Detective Sergeant XXXX was assigned to my case. Ive sent ReliaCard his name, phone, fax, email, and work address. This detective has the videotape of this thief stealing {$1000.00} off my ReliaCard at the ATM at XXXX XXXX XXXX nearby. 5 unauthorized withdrawals timed at one per minute, for 5 minutes straight, each for {$200.00} ( plus fees ), for a total of {$1000.00}, at which time the card shut her off. 
I pressed criminal charges, The thief is currently in jail, charged with Felony Theft and Receiving Stolen Property. Its been over 2 months and Ive received NOTHING from ReliaCard- not a provisional credit, not an approved dispute ( Ive been denied twice because based on our investigation, we have concluded no error occurred ; therefore, no funds will be credited to your account and this matter is considered closed. Ive sent a 6-page letter, all documents theyve requested, a police report, all the detailed information I possibly could, and Ive followed through with everything I possibly could legally ( this thief is on her way to prison ), and I cant get my money back from ReliaCard- despite their own policy, despite banking regulations, despite my spending over {$30.00} in faxing expenses. This is RIDICULOUS. 
And if youre wondering how the thief got my pin - the ReliaCard was new, I had just started using it a few days before, and I had it written down in my wallet. This was my mistake, my part in the situation, but Im sure things like that happen all the time and consumers are still credited their stolen money back. Correct? 
I want {$1000.00} credited back IMMEDIATELY, plus the {$30.00} I spent on fax machines.

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 2023-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They have been sent 3 letters and have not supplied any signed contract showing I owe this debt. They can not show a Contract with a wet signature from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We pay through the XXXX XXXX Bank using auto payment. We make payments prior to the due date every month. The loan was sold to a Mr Cooper and ever since that company takes up to 2 weeks to process the payment, then they charge us a late fee. We have checked with the bank and they confirm payment and the Mr Cooper refuses to process the payments, they also refuse to acknowledge that they are receiving the payments even though the bank can confirm that they do receive the payments. They charge us {$150.00} dollars in late fees with every transaction and refuse to assist in getting this problem taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
This is my third complaint on the same matter - BOA keeps beating around the bush. In their most recent response they state that CFPB had given them till XX/XX/XXXX before enforcement of the fee disclosures - If that the case then why was my transaction in XX/XX/XXXX not processed when there was no disclosure. My previous transaction, as stated in my earlier complaints were successfully processed. It's strange that CFPB had relaxed the enforcement due to COVID, yet BOA did not execute my international wire transaction in 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 2021-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my most recent credit report and found an old account that should no longer be reported. The data furnisher is reporting incorrect information. The date of the last activity on this account is older than 7 years. This account should no longer be reporting on my credit report. The name of the account is : XXXX XXXX XXXX with a reported balance of {$530.00}

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-04-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon, It is about PHH Mortgage, I have more than one year and 6 months to try to do a modification. From that time to now always i call once a week to the company plus I have appointment with the case manager. All the time PHH mortgage ask me for send papers. I did and expend a lot of money sent papers via fax because when I sent for email always told me the wasn't clear. Each time the I call the company XXXX every person says something different. For example, last XXXX  XX/XX/XXXX, I called and the person told me the my papers are completed and is in review, Today XXXX XXXX, I called again and then told me the my application is canceled because my application is not ready. Please, I hope to check my problem, If i lost my house is not for me it is for PHH mortgage the I think they want to me to loose my house and is my only place the i have. 
Thank you, I hope you can do something about this case.

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