BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX {$11000.00} Closed 26 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$11000.00} {$5000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$11000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Charge off 30 Days Late 60 Days Late XXXX XXXX XXXX  {$0.00} Closed 7 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX30 XXXX XXXX - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - XXXX - - - - - - - - - - - - On Time 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Incorrect Names XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has been calculating my interest wrong on my student loan. The initial capitalization of my interest was wrong. Then, wrong several other times between stages of repayment. I have paid over {$2000.00} on a {$3000.00} loan that has not moved at all. I 've been reviewing my payments and things do not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

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 2021-02-04
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My job was impacted by COVID19, and I look for a job 35 hours per week. They will not work with me on deferring my loan. They absolutely will not work with me. I spoke with a lady named XXXX on XXXX/XXXX/2021 at XXXX XXXX CST. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The Mortgage Electronic Registration System ( MERS ) shows that I have an active loan with Bank of America ; however, that loan was transferred and has been inactive since XX/XX/XXXX. I 'm in contract to purchase a home, which was supposed to close escrow on XX/XX/XXXX, but because Bank of America will not update MERS to show the prior loan as inactive, I am unable to secure a new loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: MS
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX Company Inquiries : 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

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 2022-07-21
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX to present. Guild Mortgage has issues with releasing held insurance funds so we can rebuild our home after a disaster we have supplied ALL receipts for all costs, taxes, permit fees, school taxes and to date repair costs In 2020 my home completely burned down in the XXXX XXXX. I have never missed a mortgage payment and my credit score is an XXXX, We owe {$320000.00} on my note and property value is {$780000.00} according to XXXX. 

my insurance company has sent {$610000.00} to my lender of which my lender has released only {$220000.00} leaving {$380000.00} in the repair account. 

Now we have spent {$290000.00} that includes {$61000.00} of our own money and guild will NOT release any more of OUR money which i need to continue my rebuild. 

now guild has some convoluted formula for releases but the point is they are holding {$63000.00} more than is needed to pay off the note which is va guaranteed. 
We have submitted ALL BILLS to guild to show that we are acting in good faith that with our payment history and credit score they need to release money so we can continue to rebuild.

Company response to consumer: Closed with monetary relief
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  has been reporting erroneously on my credit file for a while now. I have paid off this accounts MONTHS ago and it is still reporting a balance. I just recently received a letter from them confirming the account has been paid. I'm am very irritated because this account has been paid for a while now and it still continues to affect my credit score an my ability to obtain financing. I need this account removed/fixed on my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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 fraud alerts or security freezes

Complaint:
On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's. 

When attempting to access XXXX  a page popped up that stated to send documention to them. I followed the instructions and mailed certified on XX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.

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 2018-01-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
PayPal Case ID # XXXX On XX/XX/XXXX I used PayPal to pay for a purchase. Amount was XXXXEuros. 

Purchase was covered under PayPal buyer 's protection for physical goods. 

The merchandise received was defective. The seller refused to accept a return so I initiated a PayPal claim. 

PayPal confirmed that my purchase was covered under their buyer 's protection and asked that I return the merchandise to the seller, which I did. Paying over {$600.00} in shipping fees overseas. 

The seller refused to pick up the return. PayPal refused to issue a refund. 

I called PayPal again waiting 4 hours on hold for an overseas supervisor who was nice enough to escalate my claim on XX/XX/XXXX. 

We are now XX/XX/XXXX and I 'm still missing my refund + all the shipping fees that I had to pay for out of pocket. 

I would like for PayPal to issue a full refund as agreed otherwise I will have no option but to file a charge-back with XXXX. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2015-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I currently have around {$35000.00} in private student loan debt from both XXXX XXXX and XXXX XXXX, with my payments per month totaling around {$400.00}. Between my rent, car and insurance, and mounting credit card debt ( accrued mainly in part due to lack of finances from student loans ) I have been actively seeking assistance from XXXX lenders in paying off this debt. Every time I have called, there seems to be not a single option of assistance, except forbearance ( and even that comes with an upfront payment that I can not currently afford. ) I feel trapped and can not even refinance or consolidate because of my poor credit score. Other debtors online seem to have varying success rates getting altered rates or payment terms, but I seem to be out of the loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have continuously contacted this debt collector to have this account ( that I am unfamilar with ) removed from my credit report due to lack of validation. I do not have any obligation to pay this company any sum of money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made my monthly payment dated XX/XX/XXXX to Consumer Portfolio Services Inc with address XXXX XXXX XXXX, California XXXX in the amount of {$290.00}. 
Today, XXXX  XX/XX/XXXX Consumer Portfolio Services REPOSSESSED the Vehicle. I would like to request an investigation related to Financial Practices of Consumer Portfolio Services Inc. Company always not in compliance with the LAW. Last year of XXXX mandatory lockdown effective XX/XX/XXXX Congress passed CARES Act Law. All offices are closed for period of 70 days. Cares Act prohibits banks, lending and financial institutions not to foreclose real estate, repossession of vehicle and collections of fines and penalties due to Covid-19 lockdown. My vehicle was repossessed XX/XX/XXXX first time by Consumer Portfolio Services Inc. such practices was illegal in violation of Cares Act. 
I am looking forward for the prosecution of Consumer Portfolio Services with officers XXXX XXXX XXXX XXXX XXXX XXXX, Supervisor, XXXX XXXX, XXXX XXXX violation of CARES Act, Telephone Consumer Protection Act ( TCPA ). 

Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I financed a mobilehome approximately in XXXX. My first wife left me, and took a large amount of money from my bank account. I was unable to continue paying on the MH. It was repossessed, and I thought it was all settled. Just a week ago XXXX XXXX XXXX XXXX, I received a XXXX for the cancellation of this debt, which by the way is far beyond the ( 6 years ) statute of limitations in Virginia. It would seem to me that Ditech, who must taken over Greentree Lending, should have legally filed a XXXX after the 6 years, which would have been approximately in XXXX. But they did not. They seemed to have waited 12 additional years. In XXXX I was insolvent, and I would have been unable to repay the debt, and a XXXX would not have been so intimidating. However, now it is. I would like to know why they waited over 12 years to send me a XXXX? I 'm sure the XXXX would like to know as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: RGS Financial, 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:
XXXX credit says I owe them money and turned it over to a collector. I do not have a XXXX credit card nor did I ever sign up for one. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received phone call from XXXX XXXX. I did find out that this is a residence phone number. 

Guy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. 

I filed a complaint with the FCC which referred me to the FTC who referred me to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
Hello, I am an XXXX citizen and I lived in the U.S. between XX/XX/XXXX-XX/XX/XXXX on XXXX. I opened a checking account with Bank of America when I was a XXXX at XXXX. 
When I returned to XXXX on XXXX/XXXX/XXXX, I did n't close my BofA account. On XXXX/XXXX/XXXX, BofA closed my bank account and sent a check for the balance ( XXXXUSD ) to me. 
The problem is that XXXX banks do not cash this check, because there is no financial relationship between XXXX and the US. No other country, including XXXX, XXXX, etc. opens a bank account for an XXXX citizen too. So literally I can not get my money back! 
I asked BofA help-desk if I can endorse the check and sent it to a relative who lives in the US, so he can deposit the check into his own account ; They said No! 
I asked them to cancel this check and issue a new one under the name of a friend of mine who lives in XXXX, so he can cash the check. BofA refused again. 
I want to know if I can ever get my money back. Can you help with that? 
Regards, 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