BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-21
Company: Paypal Holdings, Inc
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 have transact with virtual goods like trying selling XXXX  currency and receive payments through Paypal but it it says that it will be hold for 7 days until it goes 21 days and now 180 days. I'm worried about my funds so I have my own research and found out that some of the complaints are they don't get their money back after 180 days so I refunded it to the buyer and now I lost {$10.00} but that's fine. My concern here is my paypal account because it has been permanently limited. I need my paypal for transactions like receiving money from the buyer because I haven't receive my remaining payments yet because I'm on permanently limited. Hope you would fix this because it really gives me headache. As soon as possible please.God bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2020, I was driving for XXXX and while at RedLight I accepted an order on my phone. I was pulled over and was given Violation 23123.5 ( a ) DRIVING WHILE OPERATING A HANDHELD WIRELESS TELEPHONE OR ELECTRONIC WIRELESS COMMUNICATIONS DEVICE which I obtained an attorney and contested NOLO CONTENDERE. I just clicked on screen to accept order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: AES/PHEAA
State: DC
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 early XX/XX/XXXX, I spoke with a representative from FedLoan Servicing concerning my Public Loan Forgiveness and was told to recertify my PSLF and apply for XXXX  Loan Forgiveness. They stated I could complete both forms and see an even greater reduction in my student loan debt. I filed the paperwork in XX/XX/XXXX and had made 53 of the 120 qualifying payments. I requested a forbearance for a few months because I relocated and when I called to cancel it and resume payments, Fedloan had placed me in its own forbearance for the XXXX Loan Forgiveness, which removes {$5000.00} off of the overall loan. They would not allow me to remove that forbearance, which remained on my account for several months. 

In XXXX or XXXX, the forbearance was lifted, I received {$5000.00} off my student loans, but the interest that accrued made my student loan increase by around {$3000.00} higher than it was when I applied and received the discount. There was zero benefit to me as a lender and it increased my overall loan amount. When I called FedLoan in XXXX about the issue, I was told by a very disgruntled employee that there was nothing that could be done and that my PSLF qualifying payments would start over because I completed the paperwork for XXXX Loan Forgiveness, which one of their employees told me to complete in order to decrease me loan. At present, my qualifying payments went from 53 to 5, which is completely unacceptable. I would have never applied for the XXXX Loan Forgiveness if the employee hadn't informed me it would help my situation, and if I had known it would restart my qualifying payments. I was nearly 50 % complete with making qualifying payments and now I have to start over from scratch, with a loan amount that is much higher than when I started paying FedLoan Servicing in XX/XX/XXXX and when I submitted the applications in XX/XX/XXXX. This is unfair, unacceptable, and a complete rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
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:
These accounts and inquires I had nothing to do with

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 2015-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Issue: Other

Complaint:
* My reports continue to incorrectly show me XXXX past due in XXXX XXXX and they will not correct. 
* My XXXX report also incorrectly shows me XXXX past due in XXXX XXXX and XXXX XXXX but I do not have bank records that old to prove. 
* My XXXX report continues to show unauthorized hard FIA hard inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they will not remove. 
* Attaching letter dated XXXX/XXXX/XXXX requesting correction of these items including supporting documents. 
* As of XXXX/XXXX/XXXX, I have not received a response to my XXXX/XXXX/XXXX letter. 
* Finally, this account is reported as a " Flexible Spending Credit Card '' on all reports when it is a simple credit card. 
* REQUEST : Please help me get these items corrected or removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Okay, flag star bank, had me apply loan modification program, making payments of XXXX in XX/XX/XXXX, for three months trial. I made them they sent me partial claims terms XXXX XXXX with said amount plus3.37500 % interest rate! I sent off after getting it notarized at XXXX XXXX by bank President! I had until XXXX I sent it in XXXX via XXXX XXXX envelope! Now in middle of XXXX Again I received same letter head dated XXXX and said this form had to been done by XXXX. I was confused, I call flagstar, no paper work why this form again with past date XXXX be turn in! Same underwriting of XXXX XXXX, California! NOBODY COULD TELL ME WHY????? I RECEIVED THE PARTIAL CLAIMS FORMS AGAIN! NUMEROUS CALLS, ONE PERSON SAID MAYBE U, OR NOTARY DIDNT DO SOMETHING, SO ON XXXX I CALLED FLAGSTAR TOLD THEM I SIGN PAPER WORK, DURING THE OPEN BUSINESS HOURS XXXX E.S.T. THEY ARE ON C.S.T. THEY TOLD ME THE WERE DOCUMENTED THIS ON COMPUTER BESIDES ALL CALLS ARE RECORD BY THEM! SO I CALLED NEXT DAY XXXX XXXX. WELL I GOT OF HOLD OF XXXX XXXX. IN XXXX, TEXAS TOLD ME THAT PROGRAM EXPIRED ON XXXX XXXX. I ASK WHY Wasn't I informed by flag star staff about this when I was on the phone?? Well we had over XXXX loans amonth, some staff wasn't trained up to par, Now I CALLED every week prior about my status, I was told XXXX XXXX EVERTHING IS OKAY YOUR MAKING THE PAYMENT OF XXXX MONTHLY YOUR GOOD! NOW FLEXI INFORMATION WAS WITH HAVE START THIS ALL OVER AGAIN, I CALLED EVERY WEEK, I WAS TOLD YOUR GOOD, WE HAVE SO MANY, I HAD A LADY XXXX XXXX WHO TILD ME SHE WAS HANDLING MY CASE PERSONALLY! NOW I TRIED TO GET HOLD OF HER, TO NO LUCK, BUT THE PERSON WOULD SAY, YES I SEE HER INPUT ON THE FILE OFF YOUR ACCOUNT, I CALLED XXXX ABOUT MY FILE, I WAS WORRIED ABOUT INTEREST RATE GOING UP, UR PROGRAM WAS APPROVED TODAY, SO ME ASSUMED SAME RATE XXXX XXXX XXXX THAT WOULD BE SAME! I GET IN IT NOW XXXX WITH INTEREST RATE AT4.625 % WITH A XXXX DOLLARS BALLOON PAYMENT AT IN OF LOAN XXXX WHAT HAPPEN IN XXXX WITH SAME BANK IS NOW DOING SAME THING NUMEROUS FORECLOSURES IN THIS AREA BY FLAGSTAR BANK WHICH XXXX XXXX XXXX  XXXX SOLD MY LOAN TO FLAGSTAR WITHOUT NOTIFYING ME PREVIOUS TO SALE? I HAVE UNTIL XXXX, XX/XX/XXXX TO SIGN THIS RIP OFF DEAL OR THEY WIL FORECLOSURE ON ME EVEN THOUGH I BEEN MAKING THE AGREED PAYMENTS, PLEASE HELP ME, I AM TOTALLY SHOCK THEY DID THIS UNFAIR, BUSINESS, PRACTICES WHICH IS WHY UR PROGRAM WAS ESTABLISHED! I LIVE BY A MOUNTAIN MY CELLPHONE DOEST RECEIVE CALLS, BUT MY XXXX XXXX HAS A TEXT ME APP THAT I RECEIVED CALLS, AND GOES TO VOICE MAIL PLEASE LEAVE A MESSAGE NUMBER, EXTENSION GO GRACE OF THE FATHER, AND LORD JESUS CHRIST, HOLY GHOST SPRIT

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 2016-04-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
HSBC/XXXX line of Credit for $ XXXX- {$760.00} was closed XX/XX/XXXX and also listed under my XX/XX/XXXX Chapter XXXX Bankruptcy. However, HSBC/XXXX issued a late payment in my XXXX credit report on XXXX/XXXX/XXXX when in fact the account should be removed from my report as the account was closed XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: NY
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 Agreement the Fair Credit Reporting Act XXXX with the Accounts : XXXX. XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights.

By the law under 15 U.S.C 1681 section 602 : states I have a right to privacy & 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Bread Financial Holdings, Inc.
State: PA
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 a fair credit reporting act [ CB/NY & CO XXXX XXXX, XXXX # XXXX, XXXX  XXXX # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Evergreen Moneysource Mortgage Company
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: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX, Was victimized by Evergreen home loans, XXXX WA on XX/XX/2022 and XX/XX/2022. 

This company without my consent hired a third party to ran two separate hard inquires on my credit. 
Causing credit damages, possible loan restrictions and risk of personal information being sold /lost to the enemies of the state by unauthorized credit handling. 

Tried numerous times to with Evergreens home loans, their response was that my credit was so low that it wouldn't matter if they had it ran twice. 
I agree, Have a little work to do. 
My personal credit is not for them not to exploit in any manner, verbally or physically.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have several accounts abused by identity XXXX of which are capitol one, which I have paid one off almost {$1000.00}. The second I've paid {$600.00} into it and {$360.00} till its paid. I have tried disputing these several times and they keep sending me back letters saying they are legit. Accounts they are in collections they are most definitely not mine. I called a few years ago aswell and told them I had NO accounts at that time, yet they still did nothing.. I have been dealing with this for years and it has hurt my credit, my family and financial life so much. How someone can just take so much and they do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I filed for XXXX  XXXX in 2019. We have the same mortgage ( SLS Loan Servicing company. ) since the bankruptcy started. We have been paying it electronically thru our banking bill pay since the bankruptcy started with my husbands pension. 
XX/XX/XXXX I paid the mortgage as usual and on the XXXX it was deposited back into my checking account. When I called I was told they will no longer accept my electronic check and that it would need to be a mailed check or thru XXXX XXXX XXXX  ( which is expensive ) or I can call and pay the mortgage and pay a {$12.00} ( which is being waived now because of covid but they said but they will start charging it again soon ) they said I can not do the automated pay by phone because its electronic, yet she would ( the customer rep I was speaking with ) take my payment thru debit ( is that not electronic? ) This makes no sense at all to me. They said they will charge me back interest once my bankruptcy is over if I mail a live check and they don't get it in time. They have been accepting my electronic check for the last 2.5 years with not one issue. I don't understand how they can do this ....

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 2016-08-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have advised Equifax that a XXXX XXXX account reporting on my credit report is not my account. I was listed an an authorized user without my consent. I submitted a dispute and Equifax refuses to remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustme is reporting {$1400.00} on my credit reports. I have asked to send me information and I have not received anything showing that this is my debt. I have not had a XXXX  account open on XXXX XXXX ( open date showing on my credit report ). This is not my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NY
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/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX XXXX, XXXXXXXX XXXX and XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
it started when Bank of America closed my account and kept my XXXX deposit of XXXX  XXXX then also sent me a letter XXXX times wich had XXXX claim numbers on it stating that these claims have been closed <denied or would not be paid and legally due boa and there scams and policy they are to be reopened so I received the letter XX/XX/2022 and the first time I called they stated all claims except XXXX has been paid the claim numbers are # XXXX XXXX {$2100.00} # XXXX {$410.00} # XXXX XXXX {$250.00} # XXXX XXXX {$630.00} # XXXX XXXX {$100.00} so the first time I called they said only XXXX has not been paid and will be paid to me, as my response is no none of them have been paid or resolved as the letter also states but every department states differently like there screen with info is different XXXX called every week since last phone call nothing will be paid or all claims denied this is crazy how they are doing this not filling state and federal laws or legal matters XXXX requested statements they will not send me any or fix these claims they addressed to fix is I need helping regulations XXXX this blows my mind

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 2020-04-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a Satisfaction of Mortgage that Dates back to XX/XX/XXXX That Chase states it is not there Loan, and on XXXX I have a S.O.M From Chase which is in our Register of Deeds here in XXXX Wi. I found out that Chase Not there Loan, Is XXXX XXXX  XXXX The Doc. 
ID.Match. XXXX also states paid in Full as of XX/XX/XXXX I have a S.O.M. From XXXX. Dated XX/XX/XXXX. again recorded in our Register of Deeds here in XXXX Wi. 
Info Dates back to XXXX. XXXX XXXXXX/XX/XXXX Paid Account XXXX Balance XXXX XXXX XXXX.In XXXX was going to Foreclose our Home another S.O.M. I Found out it was a Home Equity Loan This went on for Months. Found out what it From in a Chase office in Louisiana. I have a letter From XXXX XXXX  where we stated in XXXX It went from XXXX XXXX to XXXX XXXX they went Belly Up. 
took over by XXXX. I do have a Letter from XXXX XXXX that my Servicer Is XXXX. Under Wi.Law If you received a S.O.M. endorsed with Time/Date/ and Document number from Register of Deeds Office Nothing further needs to Be Made.The Home was Sold On XXXX Chase collected Approx.82,000.00 then Plus Int. from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
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:
My child is a minor and has a credit report. My personal information has been wrongfully added to his credit file.

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 2016-03-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I received a phone call this morning from naviant attempting to collect a payment on my student loans. They have been in default do to financial hardship this year which I have been in touch with them all along and they know each situation. They told me I needed to make a payment and they needed it now. I said I do n't have the money by I just lost my job they said you need to get the money whether it be a bank a credit card or XXXX paying it for me I said I have nothing and no one who can pay it. They told me to make phone calls and to put them on hold. I said there is no one I can call they became threatening and told me they were going to take action with out telling me what action, and that they needed me to get them their money. I said I could n't have it for them right now they said they were n't going to wait. This conversation took over a half hour in the morning after the day I lost my job. I am a good person but feel like they are making me out to be a criminal. I have no problem paying when I have the money but they hound me and make accusations and tell me they are going to take action I honestly scared. They asked me about my tax return witch I do n't want to give info on my taxes to anyone. I feel violated and harassed with the calls I get and the information they wanted to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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