BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Wells Fargo personal loan unknown fees excess interest and servicemembers civil relief act request never applied. Submitted the request for the servicemembers civil relief act by fax several times and always receive the runaround when calling and finding out about it 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 2023-08-24
Company: EQUIFAX, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account owner : Individual account Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date reported : XX/XX/ Date assigned : XX/XX/XXXX  Account status : OPEN Amount : {$320.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Im having trouble with my paypal account saying : You can no longer do business with PayPal ( Ref ID - XXXX ) ( XX/XX/2021 ) Money the took ( XXXX ) When im busy packing my product which is ( Engine oil additive ) i receive an email from paypal saying. ( You can no longer do business with PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it.

You'll not be able to conduct any further business using PayPal. ) But im hoping for any specific details that why im a being permanent limited but there's no explanation and when i reached them in twitter they always said that my account was a potential risk but no specific reason and when they said that i need to wait my funds in ( 180 days ) But 2 days left before releasing my lock up funds they took all my money, theres no email or notification i get before they took my money, i noticed it when my paypal dashboard become XXXX. Im using paypal as my payment method because i thought it would be safe for my business and now my business has been stop operating because the money they took Please help me to resolve this problem XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. you are negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX  AND LEGAL COUNSEL TO FILE SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was place on my credit report on XX/XX/2019. The amount was for {$430.00}. The collection agency was Phoenix Financial Services. I contacted this company on XX/XX/2019 and XX/XX/2019 about not opening this account and could they send me proof that I open this account. As of yet I have not received anything. This account was sold to them by XXXX XXXX XXXX. I file a dispute with XXXX and was told the information was accurate. I disagree with the result and how they came to this conclusion. How much investigating did they do? Did they see the proof that the company provided? What about proof that this account was open via computer with no signature to verity the authenticity? And how did they come to this conclusion in such a short time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Company won't resolve claim which the merchant said the credit card processor wont refund the transaction and holding my money. 

im ID : XXXX Claim amount : {$1900.00} Initiation date : XX/XX/2020 Transaction Date : XX/XX/2020 Transaction Ref. # : 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 2019-08-09
Company: DHI Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
MY WIFE AND I APPLIED THROUGH DHI FOR A MORTGAGE FOR A NEW HOME ALREADY BEING BUILT WITH AN ANTICIAPTION COMPLETION DATE OF THE XX/XX/XXXX. AFTER SEVERAL ISSUES WITH COMMUNICATION WITH DHI, WE HAD COME UP WITH AN AGGREEMENT IN ORDER TO GET QUALIFIED FOR THE LOAN. ALL DOCUMENTATION WAS SUBMITTED TO THE MORTGAGE OFFICER AND THE LOAN WAS SUBMITED ON XX/XX/XXXX @ XXXX XX/XX/XXXX. THE TERMS WERE DISCUSSEDWE WOULD ONLY NEED {$11000.00} ( AMOUNT ENDED UP BEING CLOSER TO XXXX ) ON CLOSING DATE. WE DID NOT HAVE THE MONEY AT THE TIME OF SUBMISSION AND IT WAS DISCUSSED THAT WE WOULD HAVE ASSISTANCE FROM MY GRANDMOTHER AND OVERTIME AT WORK. ON XX/XX/XXXX MY GRANDMOTHER INFORMED ME THAT SHE COULD NO LONGER ASSIST WITH THE ADDITIONAL MONEY DUE TO HEALTH PROBLEMS. OVERTIME WAS ALSO CUT. THE INCOME USED WAS ALOS FORM AN ANTICIAPTED START OF A NEW JOB THAT DID NOT FOLOOW THROUGH AND MY STATUS AT MY PRIOR FUUL TIME JOB HAD BEEN SUBMITTED TO BEGIN AS PART TIME AND WAS UNABLE TO RETRACT THAT STATUS. ATTEMPTS TO CONTACT THE MORTGAGE OFFICER WERE MADE WITH NO RESONSE BETWEEN THAT FRIDAY AND SATURDAY TO INFORM HIM OF THE CHANGES. ON MONDAY XX/XX/XXXX, MORE CONTACT WAS ATTEMPTED. AN EMAIL IS FINALLY RECEIVED THAT APPARENTLY MY LOAN OFFICER IS OUT OF THE OFFICE SINCE FRIDAY EVENING. CONTACT THE MANAGER AND THE LOAN OFFICER CONTACTED ME FROM HIS PERSONAL PHONE AND I NOTIFIED HIM OF THE SITUATION AND HE SAID HE WOULD HAVE A SOLUTION OR RESONSE WHEN HE RETURNED TO THE OFFICE ON THURSDAY XX/XX/XXXX. NO WORD FROM THE OFFICE UNTIL XX/XX/XXXX AND IT WAS PRESENTED AS I HAD NEVER INFORMED HIM OF THE SITUATION AND HE STATED THAT I HAVE TO MAKE THE DECISION TO NOT MOVE FORWARD WITH THE LOAN AS THE INFORMATION HE HAS SAYS I QUALIFY EVEN THOUGH DOCUMENTATION HAS BEEN SUBMITED OF THE CHANGES THAT NOW DISQUALIFY ME FROM THE LOAN. HE CONTINUALLY REFUSES TO ADVISE IF HE HAS SUBMITTED THE CHANGES. THE LOAN IS STILL IN PROCESSING AS OF XX/XX/XXXX AND NO COMMUNICATION FROM ANY PARTIES IS BEING GIVEN TO MYSELF OR MY WIFE ON THE STATUS. THEY ARE ATTEMPTING TO FORCE ME INTO A LOAN THAT I DO NOT QUALIFY FOR AND CAN NOT AFFORD TO GET IN TO DUE TO LESS MONEY AVAILABLE TO CLOSE.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with 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 2019-05-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over the past several months, I have been trying to work with my servicer CARDINAL FINANCIAL. I have been trying to get PMI removed from my loan. I am required to have an appraisal done on my property. They have been making errors in how they have been deducting the fee. I have been calling them, and to date, they still have not order the appraisal on my file. Could someone PLEASE order and appraisal to remove the PMI?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX, XXXX XXXX XXXX Account Number:XXXX, XXXX XXXX XXXX Account Number:XXXXXXXX XXXX  Account Number:XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX Account NumbeXXXX XXXX XXXX Account Number:XXXX XXXX Account Number:XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Trans Union LLC is in violation of XXXX in connection to non-disclosures and reporting my private non public financial information about creditors that are also in violation of the XXXX and the FCRA. 
Trans Union LLC along with the " creditors '' on my consumer reports are infringing on my right to privacy. 
I have also sent this complaint for the violations and non-compliance to the XXXXXXXX XXXX Attorney General.

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 2023-10-04
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Rental debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I got a call from the debt collector around XXXX XXXX on XX/XX/XXXX. He said I owed a debt which I explained I do not owe that amount. The conversation was going ok until I told him I believe that i do not owe that amount to XXXX XXXX and I am not going to pay money that is not owed. He then threatened to keep harassing me every day and to call my employer as well which is basically trying to embarrass me at my place of employment over a debt I do not owe. This is wrong on so many levels especially when I do not owe the amount claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My credit report shows 3 inaccurate missed payments from my Regional Acceptance Co. from 2018. I have attempted to rectify this with them, however I never heard anything back from my original dispute letter sent to them. 

I paid off the auto loan in full in XXXXXXXX XXXX These missed payments are hurting my credit scores, and it's making it very difficult for me to provide for my wife and 3 children now.

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 2019-09-05
Company: SUMMIT FUNDING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I went to mortgage company confused about escrow account. Looked online no escrow analysis, I attached documents and asked them to tell me why there was a difference in what we had on HUD to collect for impounds and what was deposited? Also at the end of 2018 there was {$3200.00} in escrow then in XXXX escrow only has {$430.00}. Total PMI paid {$870.00} for 2018 and {$610.00} for taxes totaling XXXX. where is the remaining escrow balance? No body told me i had an excess escrow balance ( XXXX ) mortgage company informed they paid my supplemental taxes county told me fund s were short and they returned check to mortgage company. they also sent me a check which I returned because i wanted the accounting of my escrow account correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Date : XXXX A spreadsheet is attached to illustration the complaint below. 

I have three loan accounts with Navient. One of which was paid off online on XX/XX/2019 and the balance has been negative ( overpayment ). But today, Navient website said I still owe them {$81.00} in principal and {$0.00} in interest. This is totally unreasonable and I think even a fraud for CFPB to look into. The balance was negative, meaning I didn't owe them for that loan anymore, but they just came back and say I do. I believe they are not doing their business ethically, and it's very deceptive, taking advantage of the customers. And I was on the phone with multiple people for over an hour. No one could help me close the account that was paid off. And I have to see balance building up for the debt I already paid off. 

In addition to the above loan, I have another issue with another loan, of which the agreed-upon interest rate is XXXX %. But today I see the principal increased {$15.00} by way of capitalization of interest. This is unreasonable because I do not have balance due, payments were made on time. Why this " punishment '' of capitalization of interest? What's more is that the interest portion increased by {$30.00}. This is also upsetting because the XXXX % daily interest should have been {$5.00}, let alone that they capitalized {$15.00} to principal, and there was no corresponding adjustment made in the interest portion. 


I'm very disappointed at and frustrated with Navient, I don't know if it's an honest mistake of their system or they are defrauding their customers. I hope CFPB can help me resolve the issues with Navient. If they are defrauding their customers, please help protect the public with the power you have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: DISCOVER BANK
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I tried contacting Discover Card about two disputes. The individual refused to take my disputes seriously and instead put me on long-term hold with the intent of ignoring me. 

I have XX/XX/2022 dispute with XXXX for {$32.00}. I have never authorized XXXX monthly charge... ever. Their phone number does not work either. 

I have XX/XX/2022 dispute with Territory Ahead for {$100.00} because the merchandise was never received by me. I tried calling and using email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a store credit card with Rooms to Go by Synchrony Bank. In XXXX with zero percent interest for 4 or 5 years. I paid the minimum payments according to my pay period which resulted in late fees being assessed to the account. These late fees were put in a seperate interest of 29.99 %. Even though the account was being paid down Synchrony routinely lowered my credit limit to adversely affect my credit so it would appear as though I was not paying down the credit card though I was. In XX/XX/XXXX I believe, ONE of my payments was returned by my bank resulting in me missing a payment. Synchrony immediately closed the account, giving me no access to the credit limit and it was removed as an account on my credit report. However, Synchrony has continued to assess my account late fees like it is still an active account. When I questioned Synchrony as to why I am being billed late fees on a closed account they essentially said that they are still sending me a billing statement and I have the choice to pay the balance in full. This should not be legal. They chose to close the account to adversely affect my credit, yet are continuing to bill and assess my account fees as though it is still open to their benefit. This should be illegal and not permitted. I am aware that I am still responsible for the balance, which is why I continued paying it. On one hand they continue to send billing statements, the balances accrue interest and I'm assess late fees when the payments aren't received by the " due date ''. Yet on my credit this account is closed and reflects adversely due to Synchrony reporting the 1 missed payment. How can an account be closed yet they are generating a billing statement for a none existent billing cycle/period and non due date? I need this company to be held accountable. They can not adversely affect my credit by reporting this account late by 30 days, then closing the account. Then afterwards for them to continue to bill and charge my account fees as they were when it was open. Completely insane and unconscionable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRUIST FINANCIAL CORPORATION
State: MA
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:
The company was sending me payment received alerts on my loan and 3 months later started reporting my account as late to the Credit Bureaus

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 2018-11-23
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:
I been a victim of fraud and identity theft i been trying to fix this for a while with the creditors and there crdit cards banks card and retail card that been open for years o been trying to resolve all this round a round i get from this companies that say theres nothing open. I done reports of this online abd still don't get resolved..

Company response to consumer: Closed with explanation