BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX  XXXX  XXXX  has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. 

Name of Bank : XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates

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 2022-09-27
Company: SYNCHRONY FINANCIAL
State: NJ
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. This creditor has violated my rights under 15 u.s.c. Anyone section 602 States, I have the right to privacy 15 USC, 1681 section 60 for a section 2. It also States a consumer reporting agency can not furnish at a kind of count without my written instructions under 15, USCS 1666. Be a creditor may not treat a payment on a credit card account. Under an open end Consumer Credit plan as late for any purpose.

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 2022-08-01
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform that there is no third party involved in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been harassing me since  XXXX   XXXX . I told them not to call any more. I several more calls but blocked the number. I got a call from a friend of mine they had called her on  XXXX   XXXX  looking for me. On  XXXX   XXXX  I got a call from m y Dad tha t they had called him looking for me. On  XXXX   XXXX  I received a call at my job from them telling me I had to pay it then. I told them they had harrased my friends and family and now calling my work after I told them to stop. On  XXXX   XXXX  I got another call from them at my job. I told them I have told you to quit calling me. The man on the phone said well you have not told me. Seriously. Then he berated me, I hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: AmerAssist A/R Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount listed was already paid by my dental insurance provider. Now they want me to paid them more money. They have reported this to all three credit bureaus. This is not fair. This is hurting my credit status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Factor Trust
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX  XXXX and more companies and people was using my identity social security number date of birth to open bank accounts get unemployment working in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX Balance : {$3300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I made a XXXX payment on my capital one card for a XXXX center ( XXXX XXXX XXXXXXXX XXXX ). At this time I did not have a signed financial agreement on file. I had a death in the family and had to cancel the XXXX, however, the XXXX office advised me that the deposit can not be refunded even though I did not sign a financial agreement. I disputed the charge with capital one on XX/XX/XXXX and received a response on XX/XX/XXXX stating that my charge was added back to my account after supporting documentation was provided from the XXXX office. The documentation was an email that stated I wanted to pay a deposit and signatures for using my XXXX The XXXX signatures are in no way related to the financial agreement you are required to sign that specifically says the deposit is non refundable. Those are the signatures signed to agree that they can use my mastercard for payment. I'm not disputing unauthorized, I was disputing that the service was never provided/rendered. They decided not to include that document to capital one. After I lost my deposit, I felt that my choices in retaining my money were limited an prematurely decided to continue with the procedure. They had me sign a financial agreement and was told I'd be charged a XXXX rescheduling fee ( see attachment ), however, the new financial agreement is in breach of contract on the basis of possible fraud and misrepresentation. The financial agreement specifically states that if your XXXX  procedure needs to rescheduled within 2 weeks prior to your SCHEDULED DATE, you will be required to pay a non-refundable booking fee. My XXXX was cancelled and a date was never scheduled so they can not state that I have a reschedule fee when I was never scheduled for XXXX. The deposit was for a custom XXXX that was never made. You are required to have a meeting with the people who make the implants prior to ordering it and that meeting was never done. After the meeting it then takes 15 business days, or 3 weeks, to ship out the XXXX per the attachment so I couldn't have had the XXXX in two weeks if I wanted to. Since they are in breach of contract, they no longer have a right to a nonrefundable deposit. Since the terms also state that the deposit is required to reserve time, and no scheduled time was created, they have not provided any support as to why the deposit is non refundable. I never received the service and the product was never made so I should not be liable for this. I have additionally attached my attempts to get a refund back from them for the same deposit which were not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
PayPal " Return Shipping on Us '' was supposed to be working until XX/XX/XXXX. 

As per https : //www.paypal.com/us/cshelp/article/HELP692, " You can submit Return Shipping on Us claims until XXXX XXXXXXXX XXXXl time on XX/XX/2022. Starting the very next day, XX/XX/2022, the service will no longer be available. 

Make sure to submit eligible requests as soon as you can to help ensure they get received and reviewed as usual. '' In the same article, it states below that : " If you submit an eligible request before XX/XX/2022, it will be reviewed as usual. If approved, the claim will be processed even after Return Shipping on Us has been turned off. '' Knowing that, I used PayPal for 3 transactions between XX/XX/XXXX and XX/XX/XXXX, believing the " return shipping on us '' would still be available. 

When I tried to submit refund requests for " Return shipping on us '' on XX/XX/XXXX, the button on the Paypal website to do so had been removed. I tried to fix this, both over the phone and over support provided on XXXX on the PayPal support account, and I gaslighted by several PayPal support representatives, saying in turns that the transactions weren't eligible ( they certainly were, looking at the Terms and Conditions for the Return on Us service ), that the promotion had stopped ( it certainly hadn't ), that claims should have been submitted before end of XXXX ( certainly not the case as per the above ). 

This is unacceptable behavior from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a debt amount with Navient of {$75000.00}. I have called Navient multiple times over the years of 2008 to current, to better understand why I have a student loan amount this high. It has increased over the years due to interest. But the amount that it started out was way too high to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been disputing Experian over what they have on my report for the last 2 years, they keep stating that my student loan was included in a bankruptcy and I have already sent proof that it was paid in full. They keep stating that the information is not sufficient. I have sent the even a letter from the Dept. of ED stating that it was paid in full and not included in a bankruptcy ( which is not allowed by the way in CA ) and they don't change anything. I believe that they are just rejecting the claim and not investigating anything. they are hurting my credit score because I have to pay higher interest over something is not even accurate. they need to fix the problem or at least update my credit report. Attached is another letter from the Dept. of Ed dated XX/XX/2018, stating that it was paid in full and that they can contact them to the XXXX. XXXX XXXX XXXX XXXX is they wish to confirm the information.

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 2018-05-26
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails equifax refused to block XXXX XXXX XXXX account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The company in question is US Bank, our mortgage provider. 

We are attempting to remove our monthly MIP ( mortgage insurance premium ) from our bill. Per FHA and guidelines from US Bank, the following conditions must be met : 1 ) The loan must be 5 years old ( we closed on XX/XX/XXXX ) 2 ) The LTV ratio must be 78 % of original value. Per their own documentation ( attached ), we need our balance to be below {$180000.00}. Our current balance is {$180000.00}. 
3 ) We must have a good payment history ( we have zero missed or delinquent payments in our payment history ). 
4 ) We must submit a written request to remove the premium, which we have done and they have received. 

On XX/XX/XXXX we received a letter from them which spelled out all of the requirements ( see attached letter ), which we have now met. On XX/XX/XXXX, we made a large lump sum payment to bring our mortgage balance down to below the 78 % LTV ratio threshold. On XX/XX/XXXX, we sent a letter to the email address specified by US Bank as our written request for removal of the premium. This was confirmed to be an acceptable way to request removal of the premium. 

On XX/XX/XXXX, we called to check the status of our request, and a customer service representative for the bank told us that we were a " few hundred dollars off '' and would need to pay some more. Our balance and the letter show otherwise. I feel that we are being ripped off. We will continue to escalate with the bank, and, in addition to contacting the CFPB, we will be contacting our local representative, as I have heard this story too many times among friends of mine who have also attempted to remove MIP. We appreciate your time in reading this complaint, and hope to come to a resolution soon.

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 2022-09-28
Company: STATE EMPLOYEES CREDIT UNION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
From XX/XX/XXXX - XX/XX/XXXX, there were 29 fraudulent charges that were allowed to deplete the funds in my account. The amounts range from {$.00} to {$350.00}. The credit union failed to notify me of any suspicious activity. The credit union failed to block my card. The credit union failed to take any steps to protect my funds. These are obvious fraud charges because of the amounts, the frequency, and the location of the transactions. The transactions were completely outside of how my debit card is used. I am expected to wait up to 10 day for an investigation to be completed before my funds are returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the XXXX XXXX XXXX Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.

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 2020-06-20
Company: Experian Information Solutions Inc.
State: OK
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:
Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

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 2018-05-26
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: Account status incorrect

Complaint:
In XX/XX/2017 I placed an order online with XXXX for a XXXX pair of boots. The boots were sent to our new address but we never received any billing even though we gave XXXX the information during the order. We are applying for a mortgage and were told that this account had a dramatic effect on my score. In 39 years I have never had any bad debt or issues with paying on time. In fact we have always been tier 1 with no issues. I did contact XXXX multiple times and was told I cant talk to anyone in the department handling the issue and would have to wait until they get to it. The account was paid in full and XXXX removed all late fees associated with the bill. My score seems to have been drastically reduced by this issue and now as we are applying for a mortgage has an affect on our ability to get the best rate. I need to have the scores redone to show this issue was resolved and have my score amended. What can be done to have this issue resolved so as not to affect my mortgage. I cant understand how a XXXX invoice can have that large of an affect on tens of thousands we pay on time yearly. I thanks you for your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation