BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX approximately, I received a phone call from the " XXXX XXXX XXXX. '' They sent me a email as well with a letter saying that the person talking was with XXXX. His ID number and phone number as well. Claiming that someone was trying to purchase an 1000 dollar XXXX on my account. I'd been contacted 3 times previously about the same thing so I felt ok letting him on my laptop remotely. After a minute he tells me that XXXX is going to help secure my wifi and put a firewall up. But had to be purchased by me. I turned him down and he said that he would have someone provide the funds from XXXX. I gave him my XXXX account number so he could put money in the account. In XXXX minutes there was 1000.00 dollars on the account. I was to use my PayPal XXXX  to purchase gift cards in order to purchase the firewall. Then XXXX would install it. So I purchased XXXX card for 500 dollars on one afternoon and purchased another one the next day. Gave the pin code to the guy who was calling me every half hour. The next day he calls and says he needs into my XXXX account he does this remotely on my laptop. He orders another gift card telling me that it should cover the 1500 firewall. Then PayPal is trying to get the money back never saying what's going on. I ignore it as this guy said he would cover it. A couple of days go by and PayPal is requesting the account be corrected. After getting the last gift cards pin I never heard from XXXX XXXX again. I wrote an text to PayPal explaining this situation but never heard back from them. The whole thing was a scam and I'm the victim except why would PayPal credit the funds. Allow me to purchase goods. Then claim I owed 1100 dollars. Apparently they accepted funds then whomever put the funds on my account were refunded the money after it was used to get the gift cards. Double the funds the crooks used to initiate the scam. That seems to be a problem for their own system. I completed my end of the transaction.500 dollars in and a 500 gift card returned to the scammer. I received nothing from the transfer. Not one cent. I even lost money as at the same time I loaded 30 dollars on PayPal card for XXXX use. That money was taken. I'm XXXX XXXX XXXX XXXX man who didn't think it was going to be a good thing. But didn't expect it. I waited a bit to get my laptop checked and found records on the laptop that the were spying on my laptop for awhile. A couple of weeks. So I can provide that documentation after I contact my computer technician who did the forensics. Anyways any comments about the policy 's of PayPal to let me use the funds then demand them back, I don't know about that. The persons who put the funds on I'd never met or even spoke with. They should still be there at PayPal account. I blocked them from the account but they should be there. Thoughts? 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: AL
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:
TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XXXX  2012. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies.
Case/Docket # XXXX Date Filed XXXX XXXX, 2012 Date Reported Court XXXX County, Alabama. Status : Satsified Lien Amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
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:
XXXX/XXXX/XXXX, I have been in a legal case with Transunion and the Department of Education since XXXX. Due to me being a XXXX XXXX XXXX Veteran in which the Department of Education was notified in XXXX XXXX XXXX of my XXXX XXXX XXXX. The Department of Education then proceeded to place a collection debt with Transunion XXXX/XXXX/XXXX. I have showed proof to Transunion of the notification. I hired an attorney and once aware of an attorney Transunion quickly moved to remove any XXXX outstanding loans before court date. However they refuse to remove the U.S Dept. of Education, even though I have give both proof of my XXXX which was dated before the collection date. The U.S. Dept. of Education has XXXX out the Debt however refuse 's to remove the collection status.

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 2019-09-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS THE SECOND COMPLAINT. CFP just CLOSED a complaint based on a super flimsy 'reply ' after two months from PHH . I had Multiple complaint topics and PHH ONLY addressed the Property Tax Issue. I will CONTINUE TO RE OPEN UNTIL THEY MEET ALL FAIR LENDING PRACTICES. ~~ The Fraud company Only addressed One small complaint. We have called MULTIPLE times and have sent the form ( lawyer signed ) in to be Able to talk about our account. PHH Somehow never Receives the signed forms from the attorney that are faxed ( hmmm ). 1 ) PHH will not communicate at all about mortgage, nor answer any questions, even after forms sent. 2 ) I have written on every cashiers check to be applied Wholely to principal ( I have copies ) and they have not 3 ) There is a balance in Holding not applied to mortgage and PHH will not communicate about it 4 ) they have charged new attorney fees ( and we will not be paying attorney fees associated with their changes. But they keep adding things to mortgage 5 ) OCWEN forced  us into bankruptcy by Refusing late pmts when job lost and Then after bankruptcy court came back and said there was money that had not been added into bankruptcy and added XXXX more in back fees ( don't care what your arguement on This ... it IS FRAUDULENT AND UNFAIR LENDING ). 6 ) Per bankruptcy agreement, all changes are suppose to go through attorney, PHH has sent nothing to attorney. I will not be making a payment that changed and not letting attorney verify it with sending them a written, certified notification. WE have been in continual contact with our attorney and now seeking Consumer Finance and XXXX to make PHH adhere. PHH can not  arbitrarily assign fees and Back pmts due, not go through bankruptcy attorney, hold monies and not apply to principal, disregard my instructions to apply pmts to principal, and keep conveniently loosing paper that give us Rights to talk to XXXX company about OUR mortgage. Next step will be filing suit. We are tired of how they conduct 'business '. We already know the high rate of lawsuits because of Unfair Lending PRactices against Both Ocwen and PHH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: EQUIFAX, 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 information incorrect

Complaint:
Why did XXXX  XXXX after selling my debt to XXXX kept reporting it? on the credit bureaus it and my credit score? now they sold it to XXXX credit.? 

Why? 
When? 
Who?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
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:
I noticed a unauthorized car loan on my credit report that I never applied for.

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 2022-01-18
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a checking, savings and 2 Roth IRA accounts. a few weeks ago I got a notice that Ally decided to close my checking & savings accounts on XX/XX/XXXX - Today. So I made sure to transfer the money out of those 2 accounts. 
So today I tried to login. to my Ally XXXX accounts .. and I get the following message : Online Access Temporarily Blocked Your username is currently blocked, inactive or not enrolled. Please call us 24/7 for help. 

I called support and they tried to reset login but nothing helped. 


It seems that when they closed my checking and saving accounts they also blocked my online login and now they dont know how to resolve it! 

So now I don't know what to do to gain access to my Ally XXXX accounts.. and neither does Ally Bank!?! 

This after spending XXXX minutes on the phone with support and multiple holds and transfers they finally able to restore online access. 

Problem is, Ally Bank and Ally XXXX  are 2 separate entities but the user has the same login! so when Ally Bank closes a account and blocks online access, they are also blocking access to Ally XXXX without them even realizing it. 

Ally must correct this process cuz the same issue will continue with anyone else who has both All Bank and Ally XXXX 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX my XXXX  and I were advised to jointly consolidate our XXXX and graduate loans. Looking back we recognize we were not fully advised of what this meant and that we would be locked in to the consolidation. I worked in public service for 14 years and have not been able to qualify for XXXX. The root of my complaint is the handling of my Joint/Spousal Consolidation and PSLF qualification. With the recent passing in the House to separate joint consolidated loans we may now be in a situation of not being able to make the deadline of the XXXX waiver on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a Texas XXXX XXXX XXXX XXXX with XXXX that started in 2008.Since that time many of my payments were applied to interest only which is a violation of Texas Home Equity Law. I will attach a letter and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Information belongs to someone else

Complaint:
I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was reviewing my credit report and noticed that there are discrepancies with my credit report. Please BLOCK and DELETE the following information that is on my credit report as these are fraudulent. I have sent letters to the credit reporting companies and I have not gotten anything back from them. Please help 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 2019-09-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
nXX/XX/2019,IsentEquifaxarequesttodeleteaninaccurateaccountonmycreditreport.Isentscreenshotsshowingthatisreportingdifferentlytoeachofthe3bureaus.Ineverreceivedaresponseinthemail,justanotificationfromXXXXXXXXthattheaccountwasupdated.However,theaccountwasstillreportingdifferentlythantheotherbureaus.InXX/XX/2019,Isentanotherletter,againwithscreenshotsincludedoftheinaccuratereporting.InXX/XX/2019,againIdidnotreceivearesponseviamail,justtheXXXXXXXXupdate.IcreatedanonlineaccountwithXXXXtoviewtheaccountinquestionandIseethatitisSTILLreportingincorrectly.

Myfrustrationisasfollows:1.Whyaretheynotsendingmemydisputeresultsviamail.

2.Howiseachbureauproperlyinvestigatingiftheyareallreportingdifferently?

3.HowcanEquifaxreportthatIwas60and90dayspastdue,butthepriormonth,Ihaveapaymentstatusof"OK''.HowcanIbe60dayspastduewhenIwasn't30dayspastduethemonthprior.

4)3.Howcananaccountbechargedoffifisnot180dayspastdue?The2monthspriortothechargeoffstatus,Equifaxisreporting"OK''forpaymentstatus.5.Whydotheylistabalanceonachargedoffaccount?

6.ThedateofthelastpaymentinincorrectThereareseveralthingswrongwiththereportingofthisaccountandEquifaxnotonlyfailedtodoaproperinvestigation,butalsoviolatedmyrightsbynotdeletingthisaccount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2018-01-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My XXXX XXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get XXXXredit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 



Waiting for a Reply, 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 2022-01-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix the problem on my report.

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 2018-01-06
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 information incorrect

Complaint:
Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full.

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, 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 2017-07-28
Company: BB&T CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The explanation XXXX XXXX provided is contrary to how my account was handled. As stated, I called in XX/XX/XXXX 2016 asking for the TOTAL amount needed to bring the account current. That includes late fees. I was given a total and paid it accordingly. In XXXX XXXX XXXX  response they stated they apply funds to late fees first. Clearly that is not how my XX/XX/XXXX payment of {$3300.00} payment was allocated. I have tried several times to get an understanding of why my lump sum payment was not applied to late fees but it is extremely difficult to communicate with employees of XXXX XXXX. The customer service representatives are rude and very antagonistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
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:
Credit Card for individual was opened at XXXX XXXX XXXX  on XX/XX/2021 with a {$500.00} limit. 

I was unaware of this identity theft until months later I checked my XXXX XXXX  account and saw a 200 point drop in my score. Clearly I live in another state from this banks location and have no emails in my personal or work emails relating to XXXX XXXX XXXX. 

Since this became a revolving credit card debt issue there is a {$650.00} balance. I urge to you please open a fraud/identity theft investigation immediately.

Company response to consumer: Closed with explanation