BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: EQUIFAX, 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:
On XX/XX/2019, I went to use my XXXX XXXX card, the merchant refused to take my card stating it has been reported as stolen. I looked at my XXXX   credit report, which has dropped points on my report - and in fact, card shows stolen. I contacted the credit card company. They opened an investigation as it shows I has reported the card stolen. It told them that was not the case. As a result of investigation, they concluded that Equifax has reported the card stolen, put a 90 days hold in my account, and took points off my report. I submitted a dispute with Equifax, but because I did not chose to pay for their services, I am unable to retrieve my report. They keep sending me emails telling me to get my report. To my surprised, the site has been down for three weeks. I attached a copy of this. I called them to no help. They claimed they could not figure out who I was after their questions where not understood. Ex : you have a bank loan? I asked which loan - they said we can't identified you. I have more than one bank loan. 
I emailed them, they asked me to email a bogus email address, who stated they did not handle reports. Everyday, I try to enter the site and I still can't get my report. So this situation has created stress plus I continue to see incorrect information in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
welcome I contacted you for the second time about Paypal. My account has been permanently closed, although I have all the documents that prove my ownership of the account and the invoices of buyers, and the money will not be sent to me because of the final closure in this account. You are the only one who can defend our rights now I only want my money to pay my suppliers. 
I was informed today by a message that my account has been partially recovered and I just need some additional information in my account but when I contact them the answer is that my account has been permanently suspended. I sent you a picture to prove it below. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX Debt collection of {$4500.00}. This is not nor was it ever my debt. This is not my account. 

XX/XX/XXXX XXXX XXXX XXXX XXXX collection of {$190.00}. Again, this is not or nor was it ever my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: ALLY FINANCIAL INC.
State: GA
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 didn't give these companies permission to run my credit

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}

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 non-monetary relief
Consumer complaint received 2017-07-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the citi bank account on  XX/XX/XXXX .  And I was qualified for the promotion of {$400.00} offered by citi then for account opening and deposit. But it had been almost 9 months since then. I still has n't received it yet.  <P/> In the past months, I submitted all documents citi required. But every time, they said it worked now. But every time when I checked with them again, they would found an excuse and mentioned I was not certified again.  <P/> For e.g, I went to citi bank branch to meet a personal banker directly and submit the documents they asked again  2 weeks ago. T he personal banker mentioned it  may  need around one week to process it but I still has n't received anything and even the personal banker did not respond to my email.  <P/> I am really angry on it.  Citi  is playing games with customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Issue : I do not authorized consent nor benefit from the alleged accounts listed in my supporting documentation. XXXX have already completed an investigation and removed the following accounts in 2020. I demand that XXXX and TransUnion follow suit and remove the following accounts.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attatched are the letter from the manager at XXXX XXXXXXXX XXXX  XXXX stating she would remove XXXX delete the wrong info from debt from them to transunion XXXX and XXXX. After i have already paid the XXXX $ as of today. attatched is the official letter from XXXX XXXX at 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 2019-05-10
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: Account status incorrect

Complaint:
TransUnion is reporting two medical accounts on my credit report as being in collections with the debt collector XXXX XXXX XXXX. They are designated as XXXX.

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not appropriately covered by my health insurance company. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX XXXX XXXX ), with the result that additional insurance payments were received on the two accounts, and then the remaining balance for both accounts were immediately paid down to XXXX -- paid directly to the original creditor, not the debt collector. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX, even though ( a ) six months had not passed, and ( b ) the accounts were in the process of dispute and internal audit by the original creditor.

Rather than deleting both accounts from my credit report entirely, TransUnion simply updated the two collection accounts to show as " paid '' with a XXXX   balance. Consequently, they unfairly lower my credit score. That is not correct according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor.

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 2022-02-10
Company: Upgrade, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Having recently moved, I discovered that Upgrade, Inc. will not allow me to change my address and phone number online. I called customer service and provided my date of birth, final four digits of my social security number, the final XXXX digits of my checking account on-file, and the date and amount of my last payment. They said that they were able to update the address. However, when it came to the phone number, the representative stated that they required more information. She stated that their policy was that I provide a photo of my current phone bill. The representative then seemed to indicate that this was also required for my address update. This is absurd. No bank, insurance company, business, or government agency has ever requested this level of confirmation. In fact, in my nearly 30 years of adulthood, I've never heard of such a requirement. I asked to speak to a supervisor, but was unable to remain on indefinite hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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:
The accounts listed below are reporting on my credit report and stemmed from identity theft. I have contacted the bureaus multiple times to report this issue but it has yet to be resolved. 

XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: OH
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:
This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX XXXX over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as a SETTLEMENT WAS ACHIEVED!!!! 
What would be a fair resolution to this issue? 
As always I want this removed from my credit report and to reflect on my credit score positively. It is unfair that my score has dropped from XXXX to XXXX and STILL NO RECORD OF MY AUTO LOAN THAT IS ALMOST PAID OFF OR MY OTHER POSITIVE CREDIT SITUATIONS!!!!

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 2017-07-14
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my father was found dead in his home in XXXX. Has his eldest daughter the responsiblity fell on me to see that he was laid to rest respectfully, has a result i had to take time of from work take my kids out of school and go to XXXX to make the neessary arrangements. My father was laid to reston XX/XX/XXXX, however this event cause me to fall behind on my mortgage and other bills. Since then it has been very strenuous for me to get caught back up on my mortgage resulting in my action to file bankruptcy which was discharge. Upon my bankruptcy discharge i filed for a loan modification with my mortgage company whish was approved on XX/XX/XXXX. The aggreement was that i was on a trial period plan and that i must pay {$650.00} on XX/XX/XXXX ,XX/XX/XXXX and XX/XX/XXXX and when those payments are made they would send a some documents for me to sign that will finalize the loan modification. After making XX/XX/XXXX and XX/XX/XXXX payment on time i received a letter stating that i was denied my loan modification due to not signing the trial agreement. I call Ocwen to let them know that i didnt received any such documents and if i did why would i not sign it. I explain to them that this is my home and the only home my kid have why would i not sign that papper and send it back. I keep telling the man on the phone that i never received the document he then said to me that it shouldnt be a problem he reasure that all would be ok and that he will email me the form to sign and fax back to him which i did that same day on XX/XX/XXXX. I call back a few days later and i was told that i have to apple for the loan modification all over again which i did and i seem to get is the run around and no answer. Now i was summons a forclosure notice which im trying to get help with. At this moment i dont know what to do or where to go. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After placing a security freeze with each of the 3 credit reporting companies ( XXXX, XXXX & Experian ), I attempted to access how I would remove the freeze from each company. After successfully determining the steps with XXXX  & XXXX, I found Experian to be extremely difficult to remove the freeze using their website and 800 phone line. Both options were unresponsive or accommodating. It was impossible to interact with an agent to get information or lift the freeze. I would be greatly appreciative if you could work with their organization to make them provide a more user friendly means of removing a freeze once its been put in place so the general public can be protected and easily restore their credit reporting accessibility when necessary. 

Your assistance in addressing this difficulty is greatly appreciated. Regards

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 2018-01-02
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As usual my husband and I received our Mortgage statement in the mail. I typically pay our mortgage online through Loancare. Loancare is a company hired to collect for XXXX. On the XX/XX/XXXX, I go online to pay the mortgage and realize that we are now being charged a XXXX $ fee to pay our mortgage. This was not there when we paid the mortgage in XX/XX/XXXX. So, I wait until XX/XX/XXXX to call Loancare and speak to someone regarding this fee. The Representative tells me unfortunately the fee process started XX/XX/XXXX. I inform her we never received notice and she stated it was online. I then ask how could this be when your given a grace period of 15 days to pay without being penalized? She states that Loancare only collects for XXXX and that this is Loancares cost for collecting. This representative then proceeds to inform me she can process the payment this one time without the fee, that next month I need to pay between the XX/XX/XXXX-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 2018-01-02
Company: Navient Solutions, LLC.
State: CT
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:
Loan Date Amount of Loan XX/XX/XXXX {$12000.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Many calls were made to Navient to have them explain how the Unpaid interest and Unpaid fees were calculated. In addition, the request for how the accrued interest was also calculated. During this time payments of interest were paid and sometimes additional money was sent to reduce the principal. I was unable to identify how the interest and additional payments were applied. On occasion the difference was rolled into the principal.. I have analyzed each of the accounts from inception of the loan and I am unable to account for roughly {$25000.00} that of payments that were made. As of this day the loans have been satisfied through another company. I am having a hard time getting the pay off letters that state that the loan has been fully satisfied and the amount that was paid off. I am aware that Navient is involved in a class action suit and I would like to be included in this suit based on my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedoms Mortgage is the company.

I have an escrow account attached to my monthly bill. Last year the escrow was short, so they increased the monthly amount. 
I called on XX/XX/22 and discussed this, saying I could add the remaining balance to my escrow, and that I could then keep my monthly postmen, and to call back on XX/XX/22 to confirm. 
I called back and was told an escrow review would need to be done before the payment can officially be changed back, and to call on XX/XX/22 for an update on the results of the review. I called on XX/XX/22 and told the review was submitted, but never followed through, and it would take 4 business days. 

I called today XX/XX/22 as instructed, and was told the increased monthly bill can not be changed, even though I paid the balance on the escrow ( which was verified ). 
I was told there is nothing I can do, there is no way to get my payment lowered. 

I am frustrated, at the end of the year, my escrow account will be over the allowed limit, and they will have to refund me money, and probably increase my payment again. 

I am just trying to keep my monthly payment the same as it was..

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 2019-10-03
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I have an issue with Chase regarding them incorrectly saying that I was late. I opened a complaint with you number XXXX. In XX/XX/XXXXthe company agreed to remove the late status. The company never did remove the late status and it's still on all of my 3 scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NJ
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 was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute about a charge that Barclays bank charging me. because they didnt send me any email or mail or call XXXX XX/XX/XXXX( that was the last email statement that I got from them ) since there I didnt hear from them at all I had auto pay and I wasnt bather to find out what is my balance, until I check my credit report recently and find out that I owed them money from more than a year ago. if they just notified me, I could pay it right away but if they keep it secret from me just because they want to charge me interest and penalty that is not fair. I can prove you by show you all my email that I didnt get any email from them scenes XXXX XXXX. I asked them to remove all the interest. the original amount is {$69.00} I can pay it as soon that I will get a bill. but more than that I refuse to pay, Barclays bank try to collect interest and penalty without sending any notice to the clients. I asked Barclays bank on XX/XX/XXXXto rmove it from my credit report but they ignored 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