BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
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: Old information reappears or never goes away

Complaint:
I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We have called Lowe 's credit card services numerous times. They consistently misapply our payments, have charged us interest several times inconsistently, do not allocate payments accurately, and try to charge us deferred interest. Their statements do not make sense, they are hard to understand or decipher, and their explanations change repeatedly. We have attempted to pay off our balances without interest, and it's nearly impossible. They report purchases we don't see on our statement.

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 2021-08-12
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: Account information incorrect

Complaint:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.

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 2021-08-06
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: Old information reappears or never goes away

Complaint:
I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved 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 2018-11-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I currently have private student loans through Navient. Recently, my school deferment was up and I had to start making monthly payments. The account statements according to Navient quoted me at about {$600.00} per month. I am XXXX years old & recently graduated in XXXX of 2017. I just started my career so I'm only making about $ XXXX {$20000.00} a year. When I spoke to Navient the first time in XXXX ( before my payments were due ) I wanted to talk about repayment options. They told me I do not qualify for any type of repayment plan nor could they offer me deferment due to financial hardship. I assume this is because I have a co-signer. I spent numerous weeks calling Navient to work something out : Week 1 - called and spoke to someone who claimed they could get my payments down to {$200.00} per month. Unfortunately we got disconnected. When I called back I was directed to a different agent who told me they couldn't go any lower than {$400.00}. I told them I would talk to my co-signer and call back. 
Week 2 - Called Navient again, spoke to yet another agent. This time I was told that due to my co-signers income I don't qualify to lower my payments AT ALL and would have to pay {$600.00}. They were unsure why someone offered me {$400.00} and said that wasn't possible. I tried to explain my co-signer is not assisting me with the payments and that she can't afford that amount either. I was dismissed and not offered any options. 
Week 3 - Called once again and spoke to someone different. They resumed to tell me that they couldn't offer me any options. I was not surprised, just frustrated. My co-signer also called and tried to explain her financial situation ( recent death in the family, out of work for almost a year, recently started a new job ) but they told her that there were no options and we had to pay the full amount. Finally, my last phone call this week consisted of me asking for suggestions on what to do. Navient suggested I refinance my loans somewhere else ( which I was never informed couldn't be done during a forbearance ) or proceed with a forbearance request. I decided on the forbearance thinking I could refinance during that time. However, that is not that case. 

I am now struggling because I can't refinance my loans without 3 consecutive monthly payments. However, I can not afford the monthly payments through Navient. I am at a loss. My only option is to unfortunately use up all my forbearance time. I do not understand how this company can't offer myself, or my co-signer, any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get many phone calls from this " attorney '' and often a recorded message about debt collection for a XXXX XXXX ( or XXXX ). I don't know this person. This is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX XXXX {$110000.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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: Old information reappears or never goes away

Complaint:
Trans Union will not address a item on my credit report. I have had a long battle with identity theft and having XXXX XXXX / debt collectors, XXXX XXXX to agree that these accounts are derogatory and listed as charge-offs from someone else using my account. I contacted XXXX XXXX already asking them why the account is still showing after we agreed that it shouldn't be because it is closed and the representative told me the request was sent to TransUnion to be removed and that was two weeks ago.

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 2021-08-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I received a check from my mortgage company for an escrow refund. 

They claimed I had overpaid by escrow by {$1300.00} and they were sending me a check. 

I logged onto my homeowner insurance 's and noticed my {$1600.00} annual payment had been missed. The insurance payment was due XX/XX/XXXX and the escrow company / mortgage servicer forgot to pay it. 

This is unacceptable. The insurance on the house would have expired if I hadn't logged on and checked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2018 while talking with a representative who indicated they were a manager, I was trying to find a way to lower my monthly student loan payment as it was higher than what I could afford. The representative told me I needed to get a part time job, I let them know I had a young child and child care cost so much that getting a part time job would probably make me lose money. The representative then told me that I could save money if i applied for food stamps or other government assistance, I let him know that I made too much to qualify for those programs and I only gave no money because it all goes to pay those student loans. The representative told me that it was not their job to fix my mistakes and that I should have thought about having a child and choosing the career path I did before ever taking out student loans. I was appalled that my child was called a mistake and I was told my choices were stupid, I am not the one that  loaned an XXXX year old that much money for a XXXX  degree, I was not thoroughly prepped on what to expect from taking those loans out but instead I was urged to l! The representative said to this, XXXX years old is old enough to drive, vote and play the lottery, old enough to make those decisions and know the outcomes, thats your responsibility not ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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: Information belongs to someone else

Complaint:
My husband had a credit card with XXXX XXXX XXXX. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to XXXX  XXXX XXXX about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I guess the credit card is with his daughter in XXXX where she lives. I have talked to XXXX XXXX XXXXXXXX about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. 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 explanation
Consumer complaint received 2020-06-21
Company: EQUIFAX, INC.
State: AR
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:
On XXXX I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XXXX beyond 30 days and I haven't heard anything from XXXX, Equifax, or XXXX in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2017 I failed a 2 factor authentication for my Coinbase.com account. I had changed my phone number, and had not changed it on Coinbase, and proceding a hard reset of my phone I was no longer able to access my account. 

Since this date, I have filed numerous tickets, and called at the customer support number at least 7x. 

The entirety of the interaction is " we have assigned a specialist to this case ''. It is XX/XX/XXXX and I have not been given any indication that I may access my digital securities. 

I have completed all security checks, identification verifications, and have even created a new account at their behest to " transfer funds '' over to. 

I do not know what to do, as this is a considerable amount of my wealth and savings- and not having access to it is beginning to affect my standard of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been disputing an account that is reporting on my experian credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. XXXX and XXXX  has deleted it since but experian is still reporting it. I tried to re-dispute it online again with experian but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on experian credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and XXXX deleted it so should have experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I received a phone call from a woman from a company called " Portfolio Recovery. '' The call lasted one minute and started at XXXX PST. I have no letter from this company and asked the woman to take me off their marketing list as well as how did they get my information ; they had the last four digits of my SSN. She did not answer the question and the conversation went silent. I said, " Hello, hello? '' to start the conversation again and then hung up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Paypal Client disputed past payments for apartment after falling behind. Provided Paypal with evidence but closed the case because of lack of shipping info Client disputed all past transactions after they fell 2 months behind and we requested possession of the unit. The client claims that they never received the product or service, but continued making payments over time, and still are occupying the space. We provided Paypal a copy of the clients ID at time of checkin with the keys, the guests invoice, the initial reservation they made, the dispossession we filed against the client all based on what Paypals representatives keep telling us we needed to provide. Even after provide everything that was asked for Paypal wont return the money to our accounts, leaving us with a negative balance. This is preventing use from operating our business. The last communication with Paypal the supervisor said they wont look into it any further. Evidence has all been attached to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Stenger & Stenger, P.C
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Stenger and Stenger have filed a case against me my local district court. Stenger and Stenger claims that I owe {$1200.00} for a XXXX XXXX Credit Card. They are suing on behalf of XXXX XXXX. 

On XX/XX/XXXX I was mailed a letter front XXXX ( collection agency ) on behalf of XXXX XXXX and it clearly states that I am not financially responsible for that account. The credit bureaus have also investigated the matter and have deleted both XXXX XXXX and XXXX XXXX my from credit file respectfully. Deletions occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
About a year ago my credit rating number declined because I closed some large accounts I was no longer using and my credit to use balance increased and impacted my rating. I have been slowly lowering the debt on my credit cards which seems to be the only negative factor. 

1, A short term loan I took from XXXX continues to appear on my credit account although it was repaid a month ago after 10 days of use, 2. Despite the fact that my credit in use balance lowered 2 % this week despite the incorrect loan, my credit rating number declined 6 points It still should have declined as there are no other cedit factors in question. 

XXXX was unable to address either of my problems. They referred me to Experian which was only able to open an inquiry on the XXXX loan. They show XXXX balance on line when I ask for a print out. 


I think they may be able to correct the XXXX issuebut have no idea why mycredit declined. Both entities seem to have no ability to address a mistake. They just correlate information they receive. 

This is disturbing and time consuming and neither could offer a direction to a remedy on the second problem. I am also concerned that the XXXX loan debit has been on the books and my records longer than I have had the loan.,

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