BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
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:
The issue is with XXXX Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been working with a third party short sale processing firm in order to complete the short sale of our home. Chase has refused to review the short sale for approval without the approval letter from the junior lien saying that they are willing to accept {$1500.00} to release the lien. 

The third party company has worked hundreds of short sales where these mortgage banks WILL review the short sale with a preliminary HUD settlement statement WITHOUT having any settlement letters from the junior liens, 2nd mortgages, HOA 's etc. 

Not only that, but they have worked with Chase in short sales before whereby they have NOT asked for the junior lien, 2nd mortgage, HOA etc approval letters BEFORE reviewing it themselves. 

The third party company has already escalated the issue within Chase with multiple managers, the Military escalation department, and the Consumer Advocacy department to no avail. This needs to be completed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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 purchased a few pairs of sneakers from XXXX XXXX XXXX via PayPal. Beginning in XXXX of XXXX  until XXXX of XXXX This was a pre-order for sneakers that were said to release later in the year. 

Fast forward to XXXX, word came that this particular company was being investigated for fraud and was dissolving the business, hence leaving my pre-orders in doubt, having already paid. I am mediately filed claims with PayPal under buyer protection, which are in their terms and services. They were receiving so many claims from similar people who were scammed, and kept delaying a resolution to refund money. Finally after 3 months ( they are supposed to take 30 days max ), they informed me that they denied my claim because I violated the terms of service And later stated that reason was because my purchase was intended for resale This is clearly just away from PayPal not honoring their commitment to their customers, because not only were are all my purchases from this vendor singular shoe orders in my personal size, they have no proof that my purchase was for resale other than they can not disclose it to me for security reasons. I know there are many more who PayPal is doing this to and needs to be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently reached out to the credit bureaus asking them to verify my bankruptcy. They sent me results saying verified but the did not verify it properly. The law states that bureaus must verify bankruptcy information from the original furnisher, which is the bankruptcy. I have a letter from the court house stating that they don't share information with credit bureaus. Therefore the credit bureaus are in violation of the law. Also the results state that the got the information from XXXX XXXX which is a third party which is another violation. I put a freeze on my XXXX XXXX profile before I asked them to verify my bankruptcy. There the credit bureaus lied and are in complete violation of the law.

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 2021-04-30
Company: Bull City Financial Solutions, 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 ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, consumer protection Law firm ( XXXX, FL ) He notice several instances where XXXX  are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX  continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX  did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX  fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.BULLCITY FINANCIAL SOL Original creditor : XXXX XXXX XXXX  {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 2. XXXX XXXX XXXX Original creditor : XXXX  XXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Selene Finance from XXXX XXXX. I didn't know who the loan was transferred to until XX/XX/XXXX. I started to make payments only to find out that the loan was in collections. After numerous phone calls I was able to speak with XXXX XXXX of Selene Finance. I was able to obtain a modification in XX/XX/XXXX from XXXX. I was asked to pay {$6000.00} up front and then $ XXXX monthly until XX/XX/XXXX, to make the account current. I paid amount requested. In XX/XX/XXXX, I spoke with ( XXXX, supposedly person now handling loan ) to ask if there was a grace period with the loan modification and was told that, " as long as I paid by the end of each month there was no late fee and the modification will remain. '' " I was also informed that starting in XX/XX/XXXX if the loan was paid after the XXXX of each month I could incur a late payment. '' I made all payments before the due date. My husband was contacted by a XXXX XXXX on XX/XX/XXXX, who claimed to be the new representative on our loan and informed him that we were in default, and were four months behind ; after my husband explained to him that we have been making payments and had records, he said that they hadn't received XX/XX/XXXX or XX/XX/XXXX payments. Again my husband disagreed. XXXX then informed him they didn't receive XXXX 's payment. My husband again disagreed and reiterated to him our conversation with XXXX. XXXX told him to send him an email with the records from our bank showing payment and he would stop the default ; that email went out the same day to XXXX and XXXX 's Customer Service email. He also requested that we follow up in a couple day to ensure receipt. 

We ( my husband and I ) have made numerous attempts to contact XXXX, XXXX and XXXX the manager to no avail. We are sent to voicemail after being on hold for upwards of thirty minutes. I even informed their representative XXXX on XX/XX/XXXX, that I was recording our conversation and she refused to give me any information on my loan. 

On XX/XX/XXXX, a Notice of Default was sent that wasn't delivered until XX/XX/XXXX, and obtained from the Post Office by me on XX/XX/XXXX, threatening a payment of {$12000.00} by XX/XX/XXXX or the loan would be accelerated and go into foreclosure. 

Please also note that they are still saying that they didn't receive my XX/XX/XXXX payment. It appears from XXXX website that Selene Finance is a predatory leading company who successfully steals, lies and preys on homeowners by claiming non-payment for late fees and foreclosure, not answering phone calls and transferring loans to different representatives with conflicting information. They have an alert on their account with the XXXX confirming all of the above. 

Please help to regulate these predatory practices. 

Enclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: IL
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:
Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a complaint against Experian for including a fraudulent account in my credit report. The fraudulent account is with XXXX XXXX XXXX and has been wrongly associated with my identity. I have never leased a vehicle from XXXX XXXX XXXX, and this account results from identity theft. 

I urge you to initiate an investigation with Experian to immediately remove this fraudulent account from my credit report. The account is causing significant damage to my credit score and preventing me from accessing the credit facilities I need to manage my financial affairs. 

Furthermore, I believe XXXX XXXX XXXX must be held accountable for committing fraudulent actions. Despite being aware that this account results from identity theft and not belonging to me, XXXX XXXX XXXX claims I leased a vehicle from them. By doing so, they are aiding identity thieves in committing fraud. 

I request that you take swift action to address this matter and ensure that Experian removes the fraudulent account from my credit report. I also urge you to investigate XXXX XXXX XXXX ' role in this matter and hold them accountable for their actions. 

Thank you for your prompt attention to this matter.

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 2022-09-01
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. At this point I had been waiting over hundred days since I first contacted them to request a refund back in XXXX of this year. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I made {$6500.00} in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

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 2022-09-01
Company: EQUIFAX, INC.
State: ID
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 Bank account # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 Bank account # XXXX, has violated my rights. 

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.

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 2022-09-01
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:
Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasn't done and that violates my rights as a consumer I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission.

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 2022-09-01
Company: EQUIFAX, INC.
State: IN
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 Account # XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX - XXXX Collections XXXX XXXX XXXX : XXXX XXXX XXXX Collections : XXXX, XXXX Collections : XXXX XXXX XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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  Account # XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX Collections XXXX XXXX XXXX : XXXX XXXX XXXX Collections : XXXX, XXXX Collections : XXXX XXXX XXXX, has violated my rights. 

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

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 2023-07-18
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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : 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 2022-09-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax responded to CFPB # XXXX stating they verified the accounts. I am now requesting specific description of reinvestigation procedures used to determine the accuracy and completeness of the alleged verified accounts. Per section 611 ( a ) ( 7 ) within 15 days of this notice to provide those descriptions of methods and procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: SYNCHRONY FINANCIAL
State: IL
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:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
NAVY FEDERAL EMPLOYERS TOLD ME THAT ( MY SECURE CREDIT-CARD ACCOUNT ENDING IN XXXX ) WAS CLOSED IN XXXX XXXX FROM MY BANK STATEMENT IN THE AMOUNT TOTAL {$1100.00}. 

BUT STILL HAS IT AS A OPEN ACCOUNT ONLINE WITH THE BANK AND CHARGING ME INTEREST 18.00 % FOR SECURE CREIDT CARD. HAS BEEN RECEIVING PAYMENTS OF AMOUNT {$20.00} DOLLARS EVER SEEN IN STILL MAKING PAYMENTS TO BALANCE OWED. TRY TO RESOLVE THE ISSUES WITH A MEMBER OF NAVY FEDERAL MANAGER. WHO HANG -ON DOING PHONE CALLING CONVERSATION TO FIX THE PROBLEM. NAVY FEDERAL HAS IT REPORTING AS XXXX OF BALANCE AMOUNT {$100.00} ON MY CREDIT REPORT. 

AS A REMINDER THAT I PAID CASH IN AMOUNT {$1000.00}. TO OPEN A LINE OF CREDIT IN NEVER WAS PAID BACK THE AMOUNT $ 1000.THAT OWED TO ME.

TOLD BY MANAGER OF NAVY FEDERAL THAT ACCOUNT XXXX WAS EXPIRING DUE DATE. THE CREDIT GRANTOR CLOSED MY ACCOUNT AND DID'NT WANT TO RENEW MY CREIDT CARD EXPIRING DATE AND DIDN'T ASK ME OR MAIL ME ANYTHING WHY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation