BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-28
Company: EQUIFAX, INC.
State: NJ
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days. I have yet to received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  had a special that they will buy out of contract with XXXX XXXX to come over to them and they took all the info was needed and still direct tv charged me also sent me a slip to be shipped off to print out to send the equipment back and I did thru post office and they are saying they never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Time warner cable sent the account to collections prior to me returning their equipment after I cancelled the service due to a move about one month ago. The debt collector, IC systems, never contacted me about the payment and instead, they called my partner to say there was a debt owed by me, revealed the account it related to and the total amount due. As per the FDCPA, this is a clear violation as they can only contact relatives and the like to LOCATE the person. They can not reveal identifying information. What is more of a problem however is that they never attempted to reach me prior to making this call. I have no missed calls, mailed letters, emails or the like from anyone matching the company number. I also do not have any missed calls in general from any unknown numbers as I went through my call log for the last month to see if I had somehow missed a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I first received a bill from I C Systems Inc regarding an unpaid balance for XXXX back in XXXX of XXXX. I contacted this collection agency to advise that this account was discharged in my Chapter XXXX Bankruptcy. I know as of today XXXX/XXXX/XXXX discovered this collection agency has put this on my credit report as a negative collection. The original date of the bill was 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 2015-05-29
Company: SUNTRUST BANKS, INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
SUNTRUST BANK HAS PULLED A COPY IMPERMISSIBLY FROM MY CREDIT REPORT ON XXXX XXXX AND XXXX. THEY ARE REPORTING AS XXXX XXXX XXXX THAT IS NOT MY NAME AND AS SUCH MIXED MY FILE WITH ANOTHER. I WANT THE INQUIRIES REMOVED IMMEDIATELY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: NJ
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days. I have yet to received any investigation results.

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 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days. I have yet to received any investigation results.

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 2020-03-28
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to reach to Mr. Cooper now to discuss my options in regards to my loss of income and the XXXX XXXX issues I am experiencing. I have reached out several times to only be on hold for over 3 hours with nobody answering or no system in place to leave information. They are truly just shutting their eyes and not doing their job by dealing with their customers and FHA customers. Realizing there have been FHA mandates put in place they still refuse to be available to talk to or communicate with. We as a family are beyond fed up with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH TRANSUNION ON XX/XX/XXXX AND XX/XX/XXXX they fail to respond back as they continue to report items that does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020, I called Carrington Mortgage Services Home Retention Department and spoke with Griselda. She told me my modification had been approved, she explained the offer, and told me to sign and send it back. I received the offer by USPS First Class Mail on XX/XX/2020. It is dated XX/XX/2020 and postmarked XX/XX/2020. 
The due date given me to accept and return it with my signed decision is XX/XX/2020. My past due balance will be added to the balance due on my 30-year mortgage and my payments reduced by {$31.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I sold a couch for {$190.00} and received payment for said couch on XXXX XXXX, 2015 via PayPal. When I tried to submit the payment to my checking account PayPal locked my account and on XXXX XXXX, 2015 they stole {$83.00} from me. They say that it is " deducted funds from your PayPal account to resolve your negative balance account. '' When I called to ask about the negative balance account, they said it was in reference to a chargeback for a transaction that occurred roughly 10 years ago with a PayPal account connected to a XXXX email account I lost access to nearly a decade ago. They did not provide any details regarding the transaction. Regardless, this is far beyond the 4 yrs. statute of limitations in California for collection of debt on account per Civ. Proc. 337. I received no notice about this until I called in in 2015 after they took my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am about to XXXX. My federal loans have all been placed in deferment because of my national service. However, Navient, which is servicing XXXX private student loans, is refusing to give me any accommodation. They claim to have some form of special treatment for those serving in the Armed Forces, but not for XXXX XXXX service. Navient also claims that I " used up '' most of my contractual " forbearance '' from when I did two years of service in an XXXX XXXX program in a XXXX public school. That " forbearance '' was a dubious benefit ; while I did n't have to make monthly payments, the loans ( at rates as high as 12 % ) racked up so much interest that I essentially will be paying for years for my service in XXXX. I believe this is outrageous treatment of someone who is doing national service and wonder why Navient -- who, I understand, is making lots of money servicing federal loans -- is not compelled to respect and support national service in its servicing of private student loans. I have approximately {$330.00} in monthly obligations on my Navient loans. What am I supposed to do? In XXXX and XXXX XXXX, the commitment you make is to live at the poverty level, at equivalent income levels to the people being served. It is simply not possible to live in poverty and keep up with Navient 's demands. This whole miserable situation with Navient has its roots in the deceptive marketing of private student loans. I was XXXX years old and they made a point of making it sound so simple and indistinguishable from my federal loans. Please note that I am scheduled to depart for my XXXX XXXX service on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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've submitted proper documentation to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they responding. This is impacting my score and life.

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 2016-04-15
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My loan officer was lazy never called or emailed me we asked to be put in the no money down payment from the beginning and he never submitted our application then he lied so many times to us We had to use all our savings for the down payment because he did n't accommodate us he never answered our calls or emails He was extremely lazy we asked him to lock in our rate with such a great credit score that we had he still charged us XXXX And when we wanted out thenow he told us we will get sued this was one of the most uncomfortable experience I 've ever gone through then to find out the loan officer bank is no longer in service I just wan na cry ps I dint think it was in service at the time of the transaction

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was signed up for PayPal Credit without knowing it and assumed that purchases were directly charged to my credit card. Turns out that they were charged to PayPal Credit and was charged a {$35.00} late fee plus interest of {$2.00} minimum interest. I am unaware of ever signing up for PayPal Credit and assumed that some email that I received were scams since I could see that the items were paid for in my PayPal Account. I have since cancelled both my PayPal Account and PayPal Credit Account over the phone on XXXX/XXXX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fed loan servicing is reporting  XXXX  day lates   XXXX   on  XXXX  loans! I have not been late I have been paying over {$1800.00} a month and never missed a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal is arbitrarily applying hold policies despite my being an account holder in good standing. In the latest incident, paypal arbitrarily applied a hold against my account for funds from an auction completion. No where was the made explicitly clear that this transaction would flag some arbitrary rating system, applied by EBAY and Paypal which are now separate companies. Furthermore I never allowed, approve or otherwise granted Paypal permission to share my account information with anyone else, including Ebay which is now a new and different company. This issue goes along with paypal charging fees that were not disclosed in given transactions. Most recently they charged a seller a fee was omitted from the disclosure they provided to me during and upon completion of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: TX
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've submitted proper documentation to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. Nor are they responding. This is impacting my score and life.

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 2022-09-07
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: Account status incorrect

Complaint:
It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The 3 Credit Agencies ( XXXX, XXXX, and Transunion ) are reporting incorrect late reportings on my credit file. I was never late on my student loans. The following information is reporting inaccurate on my credit files. 

Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$3600.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$3200.00} Dept of Education/XXXX   - Open XX/XX/XXXX ; balance - {$1200.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$880.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$2300.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$1300.00} Dept of Education/XXXX  - Open XX/XX/XXXX ; balance - {$2100.00} There is inaccurate bankruptcy information that is reporting on my file : I contacted the US Bankruptcy Court and they informed me that they do not provide information to the credit agencies. So the information that is reporting on my credit file is incorrect. This is not my bankruptcy information. Please verify. 

There are also several inquiries that was not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX 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 2022-04-12
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: Card was charged for something you did not purchase with the card

Complaint:
Card Number XXXX XXXX XXXX XXXX XXXX friend XXXX XXXX agreed to collect my mail during two back to backs trips out of the country. He is a friend of the family and agreed to do so. I collected my mail from him on XX/XX/XXXX and was surprised the card was not in my mail. I checked online banking and saw over {$5000.00} on a replacement card from Bank of America I had never received. 

After reviewing the charges, I had a pretty good idea that the culprit was XXXX. As many of the charges were made in person around his house. When I confronted him about this he at first denied it but then I showed him the charges and he admitted that he had been in the financial bind and use my card without my permission. It seems like he also used my phone to make purchases without my permission. 

XXXX didnt have the ability to pay me back and honestly I dont expect him to. I told him I had to file these charges is fraudulent and file police report. He was very upset by this and I havent been able to reach him since and he appears to have left of temporary housing in XXXX, Co. 

I reported all this information to the police and Bank of America. I was issued a provisional credit by Bank of America, but recently was rebelled for these charges as I lost the dispute. I called in to better understand why I lost, and the answer makes very little sense it says my card was used in person for many of these charges or someone that I know or myself used it. It seems ridiculous because Ive already told you someone that I know used it but he did not have my permission. I also asked them to wait to return the provisional credits until in the hopes that I can get a statement from XXXX. I am not satisfied with Bank of Americas reply its very clear what happened here and I think they didnt properly investigate. I have asked to be sent copies of the receipts that clearly will not pair my signature and have not received anything yet other than a letter of denial. This is not acceptable. This fraud and the perpetrator isnt anonymous. I am going into a no phones month long XXXX XXXX  and will not be able to respond until XX/XX/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 monetary relief
Consumer complaint received 2017-05-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On  XXXX   XXXX , I received a promotional offer in the mail from Navy Federal Credit Uni on ( NFCU ). It stated  that if I opened a  Go Re wards Credit Card account I could get a 2.99 % interest rate on balance transfers with no balance transfer fees. It directed me to  apply at www.navyfederal.org/go299. A fter I applied, had my credit checked, and requested to transfer my balance, I received their disclosures in the mail which said the interest rate on balance transfers was 10.24 %. I called  NFCU  to find out if 10.24 % was the balance transfer interest rate and I was told it is and that they had no knowledge of any 2.99 % promotional offer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation