BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Bluebird for some unexpected and still unexplained reason has permanently suspended my account that I've had for 3 years. No explanation and myself and my girlfriend gets our. Unemployment directly deposited in this account and we have over {$5000.00} and they will not allow us access to the account to close it to get our funds. They suspended it, it's like there stealing our money. I just want to close the account after I get all funds out of the account. I have called the number given to us trying to talk to a manager for a week and calling multiple times a day. Have been hung up on and gave the run around. They tell me there's no number and I have to write a letter. And they are trying every way to avoid the problem and are not trying to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: NV
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 XXXX  these accounts have violated my rights : XXXX - XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX, these accounts have violated my rights : XXXX - XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C. 1681 section 602 A. states that 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 an account without my written instructions.

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 2022-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have noticed that BANK OF AMERICA have placed an inquiry on my XXXX credit file dated XX/XX/2021 and XX/XX/2021. On multiple occasions I request BANK OF AMERICA and XXXX to verify these inquiries. They have yet to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem with product or service terms changing

Complaint:
I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( TransUnion and XXXX have not offered a free freeze at all, and TransUnion doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXXyear-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.

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 2021-07-24
Company: DISCOVER BANK
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was in forbearance under the Cares Act but I took it out of forbearance and paid all payments due. I applied for a refinance with Discover Bank and was declined because they said my loan was reported as past due with missed payments. I never missed a payment on any debts in my life. How can I get this resolved so that no one reports that I have missed payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: CA
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:
n accordance with the Fair Credit Reporting act 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have disputed and contacted Equifax NUMEROUS times since XXXX of XXXX. They ca n't seem to get my credit report correct. However my biggest problem with them right now is they will not release my credit score to my mortgage company so we can get our approval. Because of them I have numerous hard pulls against my credit and we have lost homes that we wanted to purchase because of them. I personally spoke with Equifax on XXXX XXXX XXXX in regards to releasing my score. They told me it would be fixed within 48 hours, however when my mortgage company pulled my score again this week it still shows nothing. I have numerous good standing accounts that Equifax has yet to show on my credit report, but XXXX and XXXX have them. Equifax also wanted me to confirm my identity. I have faxed over that information numerous times to them and they still tell me they do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo refuses to give credit for payments on account.

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 2019-07-29
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB.

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: WA
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 accounts XXXX  XXXX XXXX and XXXX  XXXX were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2017-09-13
Company: Chaplain Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a phone call on XXXX/XXXX/XXXX from Chaplain Financial Services claiming to be a mediation company on behalf of an attorney for XXXX XXXX. They stated that I would be served by a county processor at my home ( I have not lived at the address they have on file since XXXX ) or at my place of employment. I called back to resolve the issue. They stated I received a payday loan from XXXX in XXXX of XXXX. I stated that I was not aware of a loan and I would request bank statements from XXXX. I made a payment of {$110.00} to this company and informed them that I would follow up after I confirmed said loan. I have never received a loan for this amount or from this alleged company ever. I have since disputed the original payment of {$110.00} because the company does not exist and Chaplain Financial Services refused to give me any attorney information and would not send me any written validation of this debt. They also stated that I had a default judgement for this debt, I have never received any correspondence from the alleged original debtor or any subsequent collection agencies. I looked up the number they called from online ( XXXX  ) and saw 53 complaints with the same situation. They have threatened to sue me, they have threatened me with wage garnishment, and threatened to charge me with fraud if any other avenues to pay a debt that does n't exist did not work to their satisfaction.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-11
Company: Ocwen Financial Corporation
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 am being XXXX XXXX and being forced to pay for a debt that was procured by fraud. See attachment at the bottom of the page : Account name : OCWEN LOAN SERVICING, LLC. 
Loan Account XXXX ... was transferred to another lender on XXXX. # 1 ) Name the lender the account was transferred to? # 2 ) Was the transfer a purchase involving a credit purchase or was the account acquired? # 3 ) What is the method of purchase for the account? is it in credit or cash? # 4 ) What is the amount of the purchase?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
XXXX XXXX reports that I have two credit cards attached to my name as far as both Equifax and XXXX are concerned, but the credit cards are in names that are not now, nor have they ever been, mine. 

I was able to file a dispute with XXXX  via XXXX XXXX, but Equifax can't confirm that I'm me and so can't discuss my account with me. 

I can not determine within whose records the error occur and none of these agencies seem even remotely interested in addressing the information. 

Additonally, multiple addresses of relatives appear as mine and the last employment history they have for me is 20 years old. 

These are the gross errors I am able to identify and can only imagine what other mistakes exist in my " file. '' My complaint is that Equifax has been, is, and continues to mismanage my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
My ATTEMPTS have reoccurring with with XXXX XXXX XXXX XXXX  concerning refunds to watch XXXX  XXXX XXXX total of {$400.00} that were claimed to be fixed mis spells my name to host an discrimination or retaliation reprisal from claiming no records on file the watch was purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas your assistance in this matter for corrective action refund an audit my credit card account to fix this issue now there's another issue Prentice simultaneously Navy Federal Credit Union credit card my monthly balance should have never show {$200.00} over and I'm not used to card link to prejudice and he didn't paperwork documents sent and claimed they never received I got proof it was accepted the new corrective action made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: GOLDMAN SACHS BANK USA
State: CA
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:
I have made payments on my card in the last week and a half that total over {$3000.00}. These payments have been pulled from my bank account, but my available credit ( purchasing power ) has not increased like it is supposed to once a payment post. I contacted Goldman Sachs Apple Card and they were not helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased a {$2400.00} firearm from a person on XXXX website on XX/XX/XXXX, and the person started to communicate with me through emails to arrange my payments. I sent the person {$1400.00} through Venmo app on my cell phone on XX/XX/XXXX. My Venmo account was connected to my XXXX XXXX checking account, when I sent {$1400.00} to the person, the {$1400.00} was instant available to the people on XX/XX/XXXX. 
I got an email from XXXX on XX/XX/XXXX and the header is ** Do Not Send Payment**. This email also states " there is a chance the transaction could be fraudulent and the sellers account has been compromised ''. My order was cancelled by XXXX but I have made payment to the person, so I tried to get my {$1400.00} back from the person. I saw the transaction was posted on my XXXX XXXX account on XX/XX/XXXX. I contacted XXXX XXXX and Venmo customer service on XX/XX/XXXX by phone, but they could not help me with anything for this transaction because I initiated it. I emailed the person and tried to request my money back from Venmo app but the person did not do so. I have reported this incident to my local police department on XX/XX/XXXX. I do not have the person 's any bank information. The Venmo app money transaction between the person and I was easy and very very dangerous. All we need is the Venmo account ID then we can send or request money from the other person. Using Venmo app to send money is very unsecure and non reversible especially I am not familiar with the app. When I realized it was a scam everything is too late, the scammer already got my money, and Venmo company can not do anything to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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: Information belongs to someone else

Complaint:
I applied for a loan at XXXX XXXX XXXX today XX/XX/20 and I was not approved because there is an account reflecting badly on my credit history. The account is from XXXX XXXX. I am not affiliated with this company and I have never opened an account with them. I have never signed any contract with this company and I did not allow them to run or access my credit information. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report regarding this unauthorized account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As a part of XXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) XXXX makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) Experian - after filling out the required form, I am sent to Experien 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH EXPERIAN 'S PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from Experian and the other 2 .... WHAT THE XXXX  GUYS! THIS IS INSANITY AND EXTORTION. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax did not protect my personal information ( name, addresses, financial account information, social security number, date of birth ). I never authorized Equifax to collect or store any of my information in the first place. However, once they collected my information, they did not take appropriate measures to prevent others from accessing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Specialized Loan Servicing Holdings LLC
State: AZ
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:
The FHA loan was paid off with Specialized Loan servicing in XXXX of this year ( account # XXXX ) and the credit report still shows the mortgage as open and not paid in full. I can not get any information online or with the loan company because I keep getting a message that the account is paid in full, and the online information is no longer there because the loan was paid off when I refinanced. This is effecting my credit to date. 

I am requesting that Specialized Loan Servicing update information with all credit bureaus showing the loan is paid in full!!

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