BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: MPOWER Financing, Public Benefit Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX I received a hard inquiry from MPower that I didn't request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation. 
XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00}

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 2023-09-27
Company: Loan South Finance & Tax Service of Troy, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Since XX/XX/XXXX they have called me at work. They have been told not to call at my place of employment. They still continue to call. We record all our calls and I'm not allowed to take personal calls at work. The calls are on record stating not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
my account was closed with false information and they denied my appeal and i want them to be forthcoming on what exactly happened they also asked for bank statements and i know they cant do that cause they do not have any form of XXXX on there. I am not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My personal information was breached through the internet and has affected unemployment claim, and utility services ( phone, XXXX and cable ). I have been unable to retrieve a copy of my credit report. My mail is not being received and has been reported as well.

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 2023-03-03
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was scammed by XXXX XXXX group. They made a settlement agreement with Chase. I have since voided contact with them. I have tried email and phone calls to Chase to void this and pay my total balance due over time. They keep saying it can not be done. I am trying to do the right thing and pay this account in full. They will not work with me. Today after being on the phone with them for XXXX minutes @ XXXX XXXX I asked them who governed them several times. I was told no one. I was told if the settlement amount of {$700.00} was not paid then the account would be turned over to a 3rd party collection agency. I feel I am being penalized for trying to do the right thing.I even asked if they could set up anew account, transferred the balance to it which would have no agreement. attached to the new account.All I want to do avoid any more negative activity as I try rebuild my credit. Before XXXX my score was XXXX now it it XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 


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 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 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 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 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 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 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$13000.00}

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 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-04
Company: JPMORGAN CHASE & CO.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXXXXXX XXXX XXXXXXXX phone # XXXX called my place of employment and left a message with my employees telling them who they were and that I needed to call them back immediately. they also said it was concerning a debt. Then when I called the # back, I spoke to a XXXX XXXXXXXX XXXX XXXX XXXX ) and he said they had contacted my work payroll and wanted to know if I had gotten my XXXX yet and that I was being sued and if I didn't pay the {$6000.00}. I asked him what this was concerning XXXX he said it was a Chase card in XXXX. I told him I did not have a Chase card in XXXX, then he said oh the original acct was from XXXX! I got XXXX  in XXXX and we had an old acct with my ex-husband that he was supposed to pay when we got XXXX, and he told me he paid it back then. so then XXXX tells me they have hired a process server to serve me papers the next day but if I can come up with {$3000.00} he will hold off on serving me the garnishment papers and suing me and that they will give me XXXX hrs and call me back. I told him they did not need to call my job # anymore. Today I called the # back and asked the company name and address and he said we dont take mail payments I am not giving you the address I said I need your address he said well I will note that this is a refusal to pay on your account and we will go forward with serving you and we will see you in court, I asked him why he told me yesterday he had already sent me a subpoena he said and I quote " you're full of it! " I said wow he said again we will see you in court and hung up. He then called my job # back and asked for a manager, which is me, so I got on the phone and asked what he needed, he said I need to speak to someone over you, I told him there is no one I am the manager I asked what he needed he said " XXXX ; t worry about it good luck '' and hung up! he called from the # XXXX he threatened to garnish and sue me and this is not legal! the address he ended up giving is XXXX XXXX XXXX, XXXX XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Round point sold my mortgage to XXXX XXXX XXXX in the fall. Round point sent the wrong amount for taxes due to XXXX XXXX pa tax office. The money left my escrow on XX/XX/XXXX XXXX the check was returned to round point because the XXXX  XXXX tax office does not accept checks that are the wrong amount.. Unfortunately no one told me this and I was never given the XXXX back that they took out of escrow. So now my taxes are late. No one can find my missing escrow. None of this is my fault.

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 2023-10-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Va XXXX XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear, Experian, XXXX and XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding iteims listed on my consumer credit report : It has been over 30 days from the first letter was sent to Experian, XXXX and XXXX send on XX/XX/XXXX. I have been ignoired and the Hard inquires have not been removed. 

Hard inquiries : Experian XXXX XXXX  XX/XX/XXXX needs to be removed not authorized by me Syncblowes XX/XX/XXXXXXXX  needs to be removed not authorized by me XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX  needs to be removed not authorized by me XXXX XXXX Inquired on XXXX XXXX, XXXX  needs to be removed not authorized by me XXXX Inquired on XX/XX/XXXX needs to be removed not authorized by me XXXX US DEPARTMENT OF EDU Inquired on XXXX XXXX, XXXX  need to be removed not authorized by me As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX/XXXX/XXXX  SSN : 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 2023-09-19
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a account with US bank and funded it by making a external transfer of {$10000.00}. Amount was deducted from my external bank on XX/XX/2023 but it never showed on my US bank account. After few days when I enquired, US bank simply refused to acknowledge any problem and told they never recieved the funds. When I asked my external bank, they provided me with ACH tracking number , trail confirmation that funds were released and transferred from their end. 

Then I had to log a complaint with US bank and dispute to solve this and then finally on XX/XX/2023, i.e. 13 days after the transfer credited my account. But they never told me any reason why this delay happened. I was under so much stress due to missing funds of such a amount and also missed various opportunity to invest, use funds for my business etc.

On top of that, very poor customer service from US bank. They never responded to my queries, I visited branch 2 times and logged my complaint but no response. Called their call center number multiple times but again no response. All they said, we are not getting any answers why it took so long for funds to appear in your account.

This is totally unacceptable. ACH transactions have 3-5 business days timeline to process and any delay beyond that is voilation of banking regulation and bank should be held accountable for that and compensate me for this issue.

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 2023-07-15
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am on a income based repayment plan. I started with XXXX  and was transferred to MOHELA XXXX XXXX  XXXX. When we were in COVID forbearance and my loans were still with XXXX, I was emailed and alerted by XXXX  that I was due for my recertification of my income based repayment plan. I was not aware that no income recertification was required during the COVID forbearance. I did my due diligence and recertified online on XX/XX/XXXX. This resulted in a higher payment compared to the previous year due to my higher income. 

I believe I should not have to pay a higher amount due to my servicer ( XXXX ) providing misguidance and false information. It is unfair for me to be punished for trying to do the right thing and I should be entitled to the same benefits afforded to everyone else as no one else has been required to recertify their income during the COVID forbearance period.

I have tried contacting MOHELA and have explained the situation above but they state they are unable to retract my income recertification from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/14, I contacted XXXX XXXX XXXX to settle a debt. This debt was past the statute of limitations in my state but they would not remove it from my credit report. However, I wanted it removed so I received an offer to settle the debt. I called and settled the debt for {$140.00} less than what was owed. They then proceeded to inaccurately report it to the credit bureau so I disputed it with XXXX XXXX stated it was certified by XXXX, so I uploaded all the pertinent documents and XXXX came back the very next day and denied my request. This needs to be corrected and if you read the reviews for XXXX, this isnt the first time theyve done this to consumers. Its a shady tactic to collect more money once youve paid what was agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This was back in XXXX  payments weren't applied correctly constantly getting charged late fees wells Fargo had XXXX XXXX  on my vehicle when I had full coverage stated my XXXX  wasn't enough tried to repose my vehicle and I had it locked up bc they were at fault for my XXXX not I ... .I called numerous times about this and got no where.

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 2023-07-31
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had a balance of over {$17.00} and they said they get to keep it because once the card expires, they then charge $ XXXX for unuse of the card from the date it expires. This seems unfair and exhorbinant! They are Their phone number is XXXX. Their email is XXXX ; I had {$18.00} on it and dont remember using it. Here is there reply : Subject : Cardholder Services - Hawk Incentives- Fee Reversal Request Hello, We have resolved your case XXXX. Please see the comments for your resolution.
 Resolution Notes : Good day XXXX, We're reaching out from Hawk Incentives about the recent contact with case number XXXX. 

Please note that dormancy fees of {$5.00} were charged to your card and the new balance is {$0.00}, These fees are deducted because there are costs associated with account maintenance, largely driven by the legal and reporting requirements from the issuing bank. Please be aware that fees can not be reversed. We are sorry no balance is available on expired card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Upgrade, Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had opened a credit card with a company called Upgrade prior to my bankruptcy being fully discharged. When my bankruptcy was discharged, Upgrade was notified of it and they shut my card down. I had called many times letting them know that they werent parent of the bankruptcy and that they needed to open my account, they said if I provided proof the bankruptcy was discharged, I could get my account back open. For months I submitted paperwork via email and followed up with phone calls only to get the runaround. I finally had run out of patience and asked to speak with a manager, the manger said that there was no way they would be opening the account and that they have determined it was part of the bankruptcy. I confirmed that I was no longer responsible for the debt, and they refunded me 2 months of payments that were made while the account was shut down. I then noticed they were reporting to the credit bureaus that the account was past due, so I disputed the account using XXXX XXXX and XXXX. They came back saying the debt was verified so I immediately called Upgrade to find out why they were reporting the wrong information. They tried to tell me that it was now determined that the debt was not part of the bankruptcy and that I am now responsible for it. I told them they were wrong and to go back and review the phone call I had with the manager which he clearly confirmed I was not responsible for the debt and that it would be discharged as part of the bankruptcy. They said they would investigate this but given the trouble I have had with this company I wanted to take this to someone who can actually help me. My credit score is horrible right now because of what they are doing, which is reporting bad information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I call the bank to tell them to stop the transaction cause someone hack my account and where buying stuff online different state they XXXX dollars that I didn't do those purchases. They told they could not stop the transaction to send the paperwork and while they investigate they will credit my account .it 's been 56 days they denied my case four time I call every day to check the status. Everyday it's a different story they don't explain what's gong on I keep telling them that I need my money.

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