BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Square Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Cash app was suppose to direct deposit my income tax refund this year and I have not received it yet from the irs. I have called the cash app team along about this issue and other relating issues but they have not resolved my problem and only provided a reference number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I tried to update and correct information on my Credit Report through Experian, XXXX XXXX, and XXXX. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact Experian by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on XXXX  but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. 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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I tried to update and correct information on my Credit Report through XXXX, Trans Union, and XXXX. Each attempt to update utilizing their online features were meet with errors and the inability to have my requests processed. I attempted to contact XXXX  by phone as their website stated the operating hours only to be greeted with an automated message that it closed 3 hours earlier than displaying the website. I attempted to provide documents via web upload and also to access my account on XXXX but the online access is not available. I am notifying you of the incidents as the Credit Reporting Agencies are making contacting and updating my personal information impossible. These agencies are not allowing for ease of use or contact and have created a severe obstacle when trying to even make contact with them. This way of conducting business with an individuals personal financial information and the long term affect they can impose on a person are disturbing and need to be corrected immediately. I am asking for assistance and would request your agency inquire into the practices that are currently in place that are keeping individuals from accessing and updating their personal financial history and information. If a company is presenting an online access but at each attempt states they are unavailable to process then the access is not offered they are simply presenting a fraudulent offering of service. Please do something to hold these business accountable for access and current information as well as granting ease of access to an individuals personal information for update and inquire. 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 2018-11-27
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2018-02-22
Company: AES/PHEAA
State: DC
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:
I am enrolled in Public Service Loan Forgiveness and as a result have FedLoan Servicing as my servicer. I have continual problems with them as my servicer. I recently got married and changed jobs per my contract I submitted new information for my Income Driven Repayment. When I did so I got a message saying this had been approved on XX/XX/2018. Then on XX/XX/2018 I received a message saying my IDR request was denied because it was too early for my annual re-certification. At the time I was traveling so on the morning for XX/XX/2018 I called as was told that the rejection message was automatic and did not apply to me since I had a change in status. The representative reported to me that my new IDR repayment would begin on XX/XX/2018 ( this is what I expected ). I logged into my account that night to see that a forbearance period had been applied to my account for XXXX. I never requested this. I was fully expecting to make my payment for XXXX. I called the evening on XX/XX/2018 and spoke to someone who reported that yes, this had been applied and that I would need to speak to a counselor to have this resolved. I was transferred and then was on hold until they closed at 9pm. I called back today XX/XX/XXXX and a counselor removed the forbearance but let me know that it would take XXXX business days. I asked about my XX/XX/XXXX payment and they reported that I should log back in on the XXXX and if it didn't go through to call again. I was on hold for 20 minutes before being able to speak with someone this evening. 

The poor service I receive from the U.S. Department of Education is not acceptable. My interest accrues daily. Each day I wait for them to resolve an issue costs me {$30.00} in interest. It is so concerning to me that a forbearance was applied to my account without my knowledge- especially given how quickly interest capitalized on my account. Missing one monthly payment that I was fully prepared to make will cost my thousands over my repayment period. It is also unacceptable to have to continually call back- and very difficult to do so since I work two jobs in order to repay these very loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened my acct on XXXX. XXXX with Gemini it is a bitcoin acct. My acct is still pending. I would like my acct approved or denied. I deposited a total of {$500.00} and my money is simply in limbo.I contacted them several times regarding the status of my acct and i was sent a generic email wit no definitive answer. I am very disappointed and frustrated with there customer service, I would recommend them to no one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: EQUIFAX, INC.
State: NC
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 received info from Equifax stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Dear CFPB i closed my account in XXXX with a XXXX balance..i just recieved a letter here in XXXX two months later and the bank is now requesting a closing fee of XXXX.please help me. Bank of the West XXXX CA

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 2018-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone fraudulently collected {$290.00}, {$400.00}, & {$200.00} using XXXX banking application out of my Bank of America account, on XX/XX/2018 at approximately XXXX. 
I immediately contacted the Bank of America fraud department. The representative I talked to explained to me that it would take them 10 days to investigate what had happened. In the meantime I am left with a negative balance and it's up to me to put money into the account when I had {$950.00} before the fraud. 
XXXX does take any responsibility for the fraud and simply deleted my profile as I asked them too. Bank of America advertises XXXX services on their website, yet XXXX is not a secure bank app. 
I hold both XXXX and Bank of America responsible for what happened to me. 
XXXX should be willing to check into the matter and Bank of America should not recommend fraudulent banking services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25
Company: Experian Information Solutions Inc.
State: NC
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 received info from XXXX stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.

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 2018-02-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans got sold to Navient from XXXX XXXX a few years ago. Dealing with Navient is very unpleasant. I have been trying to lower my monthly payment plan with Navient Solutions for well over 2 years now and as of today I am delinquent because Navient refuses to help. 
I have gotten wrong information from various representatives from this company. They provide wrong information so you are stuck paying the monthly rate they want you to pay. I never get anything emailed to my for confirmation even after they say it has been emailed. I get told paperwork needs to be done online and then I get told that no, paperwork needs to be mailed. This has been happening for a whole year. 

They put representatives on the line and threaten to sue those with language barriers if they dont collect the full amount the day they call. XXXX ( Employee ID : XXXX ) is the one making the threats against my mother. 

I immediately called that day to speak to a supervisor ( XXXX ) central standard time and I was told he was on a dinner break and will return my call. As of today, said supervisor is yet to call me. 

All I want is to lower my monthly payment so I can make this debt go away. I want them to investigate thoroughly how my account has been handled since XXXX XXXX sold it. 

The wrong information that was provided by various representatives from Navient Solutions has caused my interest rate to triple and my principal balance to double.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I ordered a credit score from Trans Union on XX/XX/18, there is a button on the website home page that says Get Your Credit Score, after clicking and going through the process to purchase my credit score, there are no final order detail page. I learned after the purchase, Trans Union charged me XXXX for a subscription service which I did not order knowingly. I was unable to resolve the issue contacting the customer support. This is compete deception and consumer fraud through misleading website order process.

The Trans union website says : The price for a TransUnion XXXX   online is {$9.00}, or {$9.00} for a hard copy for all states plus the applicable cost of the TransUnion Credit Report. The cost of a TransUnion Credit Report varies based on where you live.

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 2018-02-20
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

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 2018-02-22
Company: Experian Information Solutions Inc.
State: NJ
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:
Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX  ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.

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 2020-11-13
Company: Experian Information Solutions Inc.
State: TX
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:
The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas

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 2018-02-22
Company: EQUIFAX, INC.
State: NJ
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:
Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX  in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Ally Financial added a derogatory mark on my credit report per XXXX  and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found Ally at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, Ally Financial has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.

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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While reviewing my Synchrony Bank accounts online on XX/XX/2018, I noticed that a new Mastercard account was opened under my name which I had not requested. I Immediately called Synchrony Bank 's customer service. I was told that even though I did not apply or request this account, Synchrony Bank would be mailing the credit card by XX/XX/18, and as long as I did not activate the card it would not appear on my credit report.

I contacted Synchrony Bank via their online secured message system on XX/XX/18 to complain and have to date not received a reply.

This seems very similar to the XXXX XXXX XXXX   issue, whereby accounts are opened without customer/client authorization.

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 2021-07-13
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation