BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While checking my report I noticed that my ex-husband 's address appears. I have never lived at that address or have used it for any purpose. I would like it removed if possible. The address is XXXX XXXX XXXX XXXX Pa XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I contact XXXX XXXX  on or around XX/XX/2018 to get a copy of the promissory note for this loan.It has been over 30 days and the debt collector has not provided proof of the loan as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: PNC Bank N.A.
State: CA
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:
Hi there, I have had a good credit and always make payments responsibly. XX/XX/2020 I saw a fraudulently opened loan account on my credit report and filed a police report and ftc report, sent a copy to a PNC bank which claimed to be a lender. However there was no investigation open by PNC bank and they left the things as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
USAA has a predatory policy of requiring accountholders to wait 24 hours after any transaction has posted to the checking account prior to closing the account. This policy generates fee income for the bank, harms consumers, and is not consistent with the policy of other large financial institutions. I can walk into any competitor 's banking center, bring the account to a {$0.00} balance, and close the account on demand. I have repeatedly contacted USAA to close my account since XX/XX/XXXX. I was told initially that the account could not be closed on XX/XX/XXXX because there is a 5 day required waiting period after any direct deposit posts to the account. Two NSF fees hit the account on XX/XX/XXXX and I transferred funds to bring the account to a XXXX  balance. Stop payments were supposed to have been placed so that any retry would be denied. I requested to close account on XX/XX/XXXX and again on XX/XX/XXXX, both days the account had a XXXX  balance. The representative again refused to close the account since " it has not been 24 hours since your deposit to bring the account to a XXXX  balance has been made. '' I have spent hours on the phone with USAA customer service and spoke to a supervisor, XXXX, on XX/XX/XXXX. I expressed concern with the policy that harms consumers and continues to generate fees for the bank, and XXXX stated " there is not even a button that allows me to close the account. '' I offered to drive from XXXX to XXXX XXXX to close the account in person. Again, I was told you can't close the account in person either. XXXX said he could see a returned item coming through the account and would wait until the next morning to refund the NSF fee and call me by XXXX XXXX on XX/XX/XXXX to confirm that he had completed the transaction. He did not follow through, and I called again to speak to a manager on XX/XX/XXXX. I was promised that a " supervisor '' would call me back. No one has called. USAA has failed to act in good faith, and hides behind the veil of the call center - not allowing customers to contact managers/bank officers with any meaningful authority. USAA even sent their own payments back through the account a second time for an insurance policy that had been paid in full ( valuable personal property ). Stop payments are not honored and more fees are assessed. This type of behavior led to a class action settlement in XXXX. I have been a customer for 12 years with no problems and have a credit score of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-16
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I pay XXXX  to monitor my credit and I have worked hard to improve my credit based on their recommendations. However, when I apply for credit cards they provide me with a totally different number. Each organization has different scores, XXXX  has me a XXXX, XXXX has me a XXXX and XXXX has me at XXXX. Even my bank which I have a credit card with is showing XXXX at XXXX. I have disputed and wrote letters and they are still all different with different information. I decided to apply for a credit card with XXXX and they have me at XXXX based on XXXX  score. I sent this letter on XXXX to JP Morgan : Reference number : XXXX To whom this may concern : I recently applied for an XXXX XXXX XXXX XXXX Account and I feel the decision was based on the wrong reason ( s ). 

I have worked hard to improve my credit and my total score you provided was XXXX when my XXXX  score is XXXX. 

I have zero collections on my account and no charge offed accounts I do not have recent delinquency, public record nor bankruptcy My bankruptcy is over 9 years old and will come off in XXXX of XXXX None of my credit cards are over limit I will be contacting XXXX, XXXX  and XXXX  with this decision along with alerting the Bureau of Consumer Financial Protection surrounding the discrepancies. 

Again, Im working hard to improve my credit and like someone to contact me surrounding this decision. 

I don't feel it's fair that I'm working so hard however no one is on the same page.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I XXXX XXXX XXXX, continue to be harassed by phone and email concerning my school loan. The call my home early in the morning and late in the evenings, repeatedly, causing me to change my number. My mother, XXXX XXXX, is being harassed also via phone and email on her job causing problems, which she plans to report to her agency 's police department. On XXXX XXXX, XXXX, I paid {$150.00} by credit card to XXXX of Navient, for a 3 month forbearance because I am having a hard time finding a full-time job and receiving public assistance for health insurance. I did n't have the {$150.00} to pay for the forbearance but Navient would only do it if I pay. The confirmation number for the transaction is XXXX. My next scheduled payment was not due until XX/XX/XXXX. I and my mother have been continuously harassed for payment since then. On XXXX XXXX, XXXX, ( XXXX XXXX est ) my mother spoke to a XXXX ( ID # XXXX ) of Navient and made him aware of my forbearance state in order to remind them and make them stop calling and emailing me. He had called my mother at work, again, that day to harass her. He said the harassment would stop but it never did. I am planning to file harassment charges with the police or other government agency if this does not stop. 

I would like for you to make them stop harassing me, clear my record in their records because I have not missed any payments, never contact my mother 's job again, and work with me to stall payments until I get a job or reduce the payments. 

PLEASE DO NOT SHARE MY EMAIL ADDRESS WITH NAVIENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
-XX/XX/XXXX : was supposed to get a refund of over 300.00 from Delta Airlines credited to my account. This has not happened. 

XXXX XXXX : cash deposits not immediately credited XXXX XXXX to present : rent and car loans repeatedly submitted and rejected, causing multiple insufficient fund fees and late fees XXXX XXXX to present : debits and credits posted in an irregular fashion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19
Company: Greenlink Financial, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hello, I received an advertising mailer to my home sometime around XX/XX/2018 offering a low interest loan which I was interested in to consolidate my credit card debt and pay it off. When I called the number around XX/XX/2018, Mr. XXXX XXXX with XXXX   answered. After discussing a few details he returned my call and said I was not qualified for that program but I was qualified for their debt relief program which sounded okay as they would resolve my debt and I would pay them instead. He made it seem that it would only take a short time and I would benefit from it so I signed up for the program. Unfortunately this was the worst thing I could have ever done as my credit is now destroyed because they advised me to close my long standing accounts and not to make payments. Once I realized this was a huge mistake, it was too late and my credit score is XXXX and has never been worse. In addition, I am now unemployed and this has negatively affected my efforts to not only find a job, or start a business, but to support myself while out of work. Overall, I feel I was duped into this program and the mailer was a bait and switch tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/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 non-monetary relief
Consumer complaint received 2018-09-11
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI
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:
Tidewater Company received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Dovenmuehle Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
3 problems : [ 1 ] My mortgage company is Dovenmuehle. They put me on a forbearance from XX/XX/2020 through XX/XX/2020 ( to include all payments from XXXX to XXXX ). They deferred all of my missed payments except XX/XX/2020. Now I'm passed due and it's not my fault. They are refusing to put XXXX into the deferment. [ 2 ] I requested a loan modification because, as of XX/XX/2020, I am on Social Security XXXX. They are refusing to let me apply. They are refusing to send me an application and every time I call them they hang up on me. [ 3 ] Dovenmeuhle sent me a Loan Transfer Notification XXXX. I received a statement from the new Service, XXXX XXXX, XX/XX/2020. I set up a XXXX payment through my bank, which was sent to XXXX XXXX electronically on XX/XX/2020. Then later that day I received a notice from Dovenmuehle that my loan was not transferred to XXXX XXXX and that I must pay Dovenmuehle the payment for XX/XX/2020. Please see attached documents. I have spoken to a dozen representatives at Dovenmuehle about these issues. Now they keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Investigation took more than 30 days

Complaint:
In XXXX of 2019, I mailed Equifax disputing an inaccurate account on my credit report from XXXX XXXX XXXX Equifax opened the dispute on XX/XX/2019, according to their website. Since then, this account has stayed under dispute. It has not been corrected, updated, or deleted from my credit report in 162 days. Equifax was supposed to resolve this within 30 days, so this has taken 132 days more than is legally allowed and the issue has still not been resolved. 

I have sent Equifax additional disputes in the mail regarding this account after I did not get a response, and Equifax responded each time by saying the account was already being investigated. After that, I contacted Equifax by phone and was routed to their call center in which the representatives have a foreign accent and are not capable of understanding any issues outside their script. I explained to them exactly what was going on and they kept saying that it will remain under investigation and that nothing could be done. They either did not understand or they did not have any authority to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX SOUTH CAROLINA ) XXXX XXXX : {$680.00} ; XXXX XXXXXXXX XXXX XXXX XXXX : {$120.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ALLY FINANCIAL 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:
Ally Financial checked my XXXX XXXX more than once. They recorded XXXX hard inquiries when they shouldnt have.

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 2023-01-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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:
This is not my account, I have never legally consent for this account to hav my information, this account is fraud and I want this off my credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MD
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 filed several disputes regarding fraudulent information on my credit report and they refuse to remove it. The credit companys say we use a third party and receive information from them but never send me anything so I can address the third party. These accounts are not mine and I have requested several times for them to be removed and they take two days and always say the information comes back verified and I know its a lie because the accounts are not mine! 
Account XXXXXXXX XXXX XXXX is not mine XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I opened an account with XXXX  which today I found out is a PayPal company but I opened the account to send money internationally to buy used computer parts for my son who's a gamer whatever there called nothing illegal was done at all so I sent some parts back and received my money for the returns on my new XXXX account well I get an email stating my account its frozen for suspicious activity I gave them all information they asked for and now they say my account is terminated and funds XXXX will be held for 180 days while they investigate thats when I got upset they asked me for information I gave them everything they asked for them they say there holding my fund for 180 days I dont know where else to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2020, i received a letter from Bayview Loan Servicing requesting proof of hazard Insurance for my loan. That same day, I obtained the insurance and emailed them proof, along with the condo association Certificate of insurance, to the email on the letter - XXXX. 
On XXXX XXXX, 2020, i received another similar notice and this time, i emailed the proof again to the email and also entered to the website listed on the letter - XXXX/ ( hidden ). Both times I received no response, call, email, nothing. 
Today, XX/XX/ 2020, i received yet another letter, this time stating that they obtained insurance to my condo since i didn't provide proof. 
I have tried calling and they never have anyone to answer the phones. 

My second loan payment, they double charged me and i had to cal twice only to be told that i needed proof, even though they had the money in their account and they were the ones to charge it, in order to get the money back. 

This company is dishonest and predatory and the ones who usually get hurt are people of XXXX such as myself! 
This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief