BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
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: Their investigation did not fix an error on your report

Complaint:
I received a due date extension change from XXXX XXXX XXXX XXXX  on XX/XX/XXXX changing my due date from XX/XX/XXXX to XX/XX/XXXX. I received a due date letter from XXXX XXXX XXXX on XX/XX/XXXX, I made I made a payment on XX/XX/XXXX. Which was for XXXX and due to the due date extension and change I was not due again until XX/XX/XXXX not the XXXX. I received a statement on XX/XX/XXXX stating that my due date is XX/XX/XXXX. on XX/XX/XXXX XXXX XXXX XXXX XXXX receive a paid in full payment for over XXXX paying the account in full however XXXX XXXX is reporting to the credit bureaus that my status is 30 to 60 days past due on this paid account. I have sent in all the proof and information that my due date was changed to XX/XX/XXXX and no longer XX/XX/XXXX and if my account was paid in full on XX/XX/XXXX that is not 30 days past due. I sent all documents proving my due date was change to XXXX  XXXX XXXX XXXX and it has yet to be corrected. Due to this error by XXXX XXXX XXXX  I was not able to close on my home and it lowered my score 38 points and being that I have proof that I wasn't 30 days late because of the payment due date change I need this could be corrected ASAP or I will seek a lawyer for further information and defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX claim I opened a credit card account in XXXX. I do not recall open an account. Six months later XXXX XXXX XXXX sold the alleged account to XXXX XXXX XXXX. XXXX XXXX XXXX. has never made any contact or taken any action against me to date. XXXX XXXX Bank was sent a dispute letter in XXXX and never responded, so the account was removed from all three credit reports. XXXX XXXX XXXX. was sent a dispute letter in XXXX to which they never responded too. They continue to report to the credit reporting agencies. I am disputing the validity of this account and the actions of XXXX XXXX XXXX and 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 2021-04-26
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On the morning of XX/XX/21 my mortgage company Mr Cooper over withdrew my checking and savings account {$5500.00}. They took three months of mortgage payments in a row. Ive never been late, Im not on auto payment and had already made my XXXX payment. In the morning of XX/XX/XXXX I woke up to my bank accounts drained and had no money. Im lucky I have credit cards to get me through the day before the funds were replaced 12 hours later. I also bank with XXXX and it seemed to be an error on both parties Mr Cooper and XXXX for this unacceptable error according to social media. After an hour on hold with Mr Cooper I was offered no explanation but there was an issue with payment processing and XXXX after an hour on the phone with them could only route me to the claims department but did not give me funds to use for the day. I want to know what exactly happened and what compensation the company is going to award their customers for there inconvenience and breech of trust/law/ethics

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: WELLS FARGO & COMPANY
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
check my credit and saw where i had 3XXXX XXXX XXXX cards on my credit report the cards were open XXXX XXXX 2007 XXXX another open same day for XXXX and the XXXX open the XXXX open same day for XXXX i had the XXXX card for XXXX nothing done by me did not know about the other XXXX these were wellsfargo cash on demand cards one card had a XXXX XXXX XXXX one had a address i had not been at for 10 years the 3rd one was mine at my home address

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 2018-02-26
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am recieving continuous phone calls from a company trying to collect a debt for XXXX from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
an account for ally bank reports on my trasunion and XXXX I never opened account infact when I first became aware I sued the dealer..

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 2018-07-18
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
My loans were in forbearance until the month of XX/XX/XXXX. In XX/XX/XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX   has not reported since XX/XX/XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.

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 2020-11-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX  XXXX  XXXX  before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX  XXXX  nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX  XXXX, XXXX XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient has steered me into forbearance multiple times. I recently found out that my account was past due but apparently Ive run out of forbearances, although i do not recall being told that there was a limit to them. They told me this on XX/XX/XXXX and then reported negative remarks on my credit report XX/XX/XXXX because I was unable to bring my account current by then. This has made my credit score drop over 100 points. I have tried to explain to them how unfair and  wrong this is, especially since a supervisor admittedly told me today that they are not supposed to offer and or process back to back forbearances. But because they consider it an accurate reporting they are unwilling to help me. I am a parent with low income and I can not afford to accept this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit 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 explanation
Consumer complaint received 2021-04-26
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by one of my friends XXXX pages for covid 19 help and shes a musician. It was giving money in return for a bigger amount of money in return. I sent it through my XXXX XXXX and then they were asking for more money. I sent {$300.00} on XX/XX/21. when I told them on XXXX XXXXr it was a scam they blocked me. Come to find out it wasnt my friend but a scammer and her page had been hacked. Me and so many others fell for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I had never been late on my credit report ever. XXXX, XXXX, and Transunion is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also XXXX, XXXX, and Transunion is reporting 2 closed accounts that listed as XXXX XXXX  XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.

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 2018-04-03
Company: Army and Air Force Exchange Service
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with aafes, a retail store that is on military bases. in XX/XX/2008 it went into default for XXXX.. never received anything from them until XXXX XXXX XXXX started garnishing my wages at 25 percent and is garnishing a total of about 11,000.00. Never got a communication or sopona to appear in court, never received any letter from either aafes or XXXX XXXX XXXX. 

Also the garnishment is showing as a Student loan, I do not have any student loans. 
Apparently XXXX XXXX is also part of the same group of which XXXX XXXX is a part of. About 3 years ago i was going through the exact same thing with XXXX XXXX and eventually they returned the Money they were Garnishing and stopped Garnishing me after an inquiry from CPFB. 
I never learned what happened because CPFB doesn't disclose the results of their inquiry. 




Student with one loan- Federal XXXX XXXX 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 2023-01-09
Company: EQUIFAX, INC.
State: PR
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:
XXXX XXXX ( FINANCE ) has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America doesn't want to release my funds. My business received a wire for XXXX from one of the business clients. They client notarized a letter saying the funds were legit, they even went as far as obtaining a notarized letter from a representative at the bank the wire was generated from saying the funds are legit. BoA refuses to release funds and threatens to give funds to the state.

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 2018-09-22
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Credit card debt attorney Hayt, Hayt and Landau about a credit card debt from XXXX  XXXX XXXX. I have written to them twice and asked for proof that they are legally responsible to collect by providing me with valid assignment from original creditor and affadavit or testimony from original creditor attesting that the bill of sale is true and accurate. To date I have received not a single written response from them. They filed a lawsuit in my county against me but I have yet to be served. I know this because I was contacted through a advertisement by a attorney that provided me the information and offered to represent me in filing bankruptcy. I asked how he knew that I was being sued when I did not know. He said that he was a bankruptcy attorney and that he checks public records. The lawsuit was filed in XX/XX/2018. My letters were sent in XX/XX/2018. 
I offered to make a settlement If they could provide me the proof that they are legally responsible to collect. Still I heard nothing back from them. I am XXXX and living solely on social security payments. I have no savings. What are my options when they will not respond to me. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: TN
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, XXXX and XXXX are reporting a debt owed to the collection agency XXXXXXXX for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX, the original creditor ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to XXXX collection agency. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX county courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation. Even the amount they are reporting that I owe is incorrect anyways. However, they filed a non-suit but turned around and still charged me for the same monetary damages they claimed we were settling to drop. This invalid debt that I dont owe should be removed immediately and cease reporting!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
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:
I am 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 2020-08-31
Company: Experian Information Solutions 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:
I've contacted XXXX regarding this XXXX  account on my credit report. I've disputed the information and they return stating the account is my account. I've asked for information and proof from them and received nothing but the account is my account. I've filed and FTC and Police Report attached to prove the account is not my account and they still continue to report the information. The Police Department has blanked out my name and address on the report for security reason and due to 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 2023-01-27
Company: WELLS FARGO & COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/3023 I stopped my Wells Fargo debit card ending in XXXX and ordered another. The bank authorized charged on the card on XX/XX/XXXX, XXXX, XXXX Totalling {$290.00}.

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 2022-01-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute in XX/XX/XXXX requesting that these account be validated because they are reporting inaccurately. The FCRA reports that all information must timely, verifiable and 100 % accurate! 

These accounts are not reporting accurate : *XXXX XXXX  does not show this account being ever late in XX/XX/XXXX ( XXXX  ) I was NOT notified of this account being added or resubmitted. 

XXXX XXXX does not show this account being ever late in XX/XX/XXXX XXXX XXXX XXXX ) I was NOT notified of this account being added or resubmitted. 

I Demand that these accounts be removed immediately or I will file litigation due to the stress you have caused 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 non-monetary relief
Consumer complaint received 2020-07-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently paid off my full balance on my credit card only to have Comniety Bank lower my credit limit from XXXX to XXXX. I called to inquire and I was told that this was because I asked for 2 billing cycles pause payments due to Covid-19. I explained that I believed this was done wrongfully because this was part of the cares act. They then quickly changed it and said it was the banks decision based on my credit. I explained that I had done with a few of my credit card but then decided to pay with some cash I had. The women on the phone then told me she could deposit an increase. I declined and decided to close my account. I feel they are not doing things correctly and this warrants a complaint.

Company response to consumer: Closed with explanation