BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called us bank to dispute a transaction and i simply informed them that the items ordered was not delivered so i would like to dispute that transaction ... ..the lady on the line took care of it and the card was working fine ... ..i wake up this morning to realize that they marked my card as stolen, i didn't ask for the card to be set as stolen, all i asked was to dispute a transaction. i do have a business that i run and all transactions from XXXX XXXX till XXXX XXXX  the next morning when the nearest us bank opened were rejected. i called to simply have the card re-opened because it was not stolen and it was not that simple and us bank refused to help

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 2022-06-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX  has been handling my mortgage account fraudulently. The matter is in Federal District Court XXXX Massachusetts. I have a docket number but will not leave that information here as you requested. We do not have a court date at this time I am assuming due to the backlog in federal court. Due to the nature of The potential outcome of this case that the credit reporting agencies refrain from putting up any type of negative comments regarding my mortgage and alleged foreclosure as this has not been proven to be factual. This is hurting my credit unnecessarily at this time. If more information Such as a court docket number please let me know all information as documented with the Federal District Court in XXXX Massachusetts.

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 VOD DISPUTE LETTER XX/XX/2020

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 2022-01-26
Company: Experian Information Solutions Inc.
State: MI
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:
I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

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 2022-06-11
Company: WELLS FARGO & COMPANY
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 status incorrect

Complaint:
Due to title 15 usc 1605 when i got approved for the finance charge i put down XXXX $ and that wasn't even needed. According to the law the car is paid off the moment i get accepted due to " FINANCE CHARGE '' law so i DEMAND this debt gets off my credit report.

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 2022-06-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXDOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX/DOFED, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DOFED, # 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been the target of 11 unauthorized and fraudulent transactions that completely drained my checking account. These transactions were placed over a 10 day period through random amounts that left my checking account with negative money, stealing a total of XXXX. The perpetrator used my banking/debit card information to open up a XXXX account to process these fraudulent transactions. Bank of America did not flag these highly suspicious and out-of-character activity for my checking account and stated they could not find proof of fraud and closed my dispute. After probing further with Bank of America, a Customer Service representative on the phone advised me to contact XXXX. He stated they should be able to search their database to find the account ( s ) using my banking information. Upon contacting XXXX, they advised me they can not do this in order to protect their customers. I have been in a loop of customer service emails asking for the same information repeatedly, which I gladly provide. Both companies have refused to handle this clear case of fraudulent activity. The claim number through Bank of America is # 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 2020-01-06
Company: SIMM Associates, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is SIMM Associates , Inc. in XXXX, DE XXXX. They sent me an invoice for {$110.00} from a creditor : XXXX , XXXX . They claimed the account opened on XX/XX/2012. They gave a bogus account number also. I have never dealt with XXXX, XXXX privately or professionally in my business career. I have never heard of this company as well. In looking on XXXX, this company has several complaints like the one above trying to get money from decent consumers. I have contacted the XXXX XXXX XXXX as well, and they say they can't do anything about it. What's wrong with that picture? This company is a scam and someone should try to stop them from these fraudulent activities. This company needs to be brought up on charges from the Attorney General 's office in XXXX, DE. I hope no one responds to their bogus requests and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an ongoing complaint which is almost correct. Below is the information pertaining to the last outstanding issue I have which I can prove is incorrect. OCWEN Loan Servicing is still standing behind the claim that I did n't pay on-time for the month of XXXX 2014. Please see the attached XXXX XXXX document which proves the payment was made to OCWEN Loan Servicing account on XXXX XXXX 2014 ;  but the payment was n't acknowledged until XXXX XXXX 2014. This issue resides purely on OCWEN Loan Servicing methods of servicing. After several attempts to get OCWEN Loan Servicing to accept the documentation and update my credit report they 've refused and assured me that all reporting was correct ... we now know several errors were made. Additionally, I would like to know what assurance do I have that this type of issue does n't come up again because frankly, I 'm ticked off and forgiveness is n't on the radar. THE HIGHLIGHTED INFORMATION ON THE DOCUMENT PROVES WHEN THE PAYMENT WAS MADE VIA ONE OF THE OPTIONS GIVEN BY OCWEN LOAN SERVICING.
OCWEN LOAN SERVICING CLAIM Our records indicate after the credit correction was completed, only the XXXX XXXX, 2014, monthly contractual payment was reported as delinquent, as it was not received by Ocwen until XXXX XXXX, 2014. Ocwen is obligated to report the account accurately to the credit bureaus, based on the contractual due date. Further, if payments are not received within the month due, then the account would be reported as delinquent. As the XXXX XXXX, 2014, monthly contractual payment was not received in the month due, Ocwens records indicate that the credit reporting correctly reflected the account as delinquent. As such, this credit reporting is valid. Included in your correspondence you advised the account should be reported as modified. While the Assumption and Assignment Agreement advised the property will transfer to you as modified, it does not outline that credit will be reported as a modified status. Section 4, Consent to Transfer, of the Assumption and Assignment Agreement, advises lender herby consents to the transfer of the property described in the Loan Documents, as modified, and waives its right to accelerate the entire unpaid balance of the Promissory Note.

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 2020-01-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Breaking federal law by not using my identity theft report to remove fraudulent items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: STATE BANK OF INDIA - NEW YORK BRANCH
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:
I have purchased XXXX credit card in XXXX. And i am paying my bills every month. Then also they haven't deducted bill amount. But they have overcharged me 30,000 rupees extra. 
When i complained to customer they talk to me rudely. 
I am in XXXX. 
If anything happens with me XXXX CREDIT Card will be responsible for this. 
Please help me to solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Big Picture Loans, LLC
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Dear CFPB, When I initially took this loan out it was not transparent that 6 installments of XXXX {$150.00} would be due. This interest rate would be equivalent to 780 % which is also considered loan sharking. The payment schedule was not made visible until after the loan was electronically signed. I have contacted the company via email and requested no further debits be taken from my bank account and that as I have now paid {$450.00} for a {$350.00} loan that it should be considered " settled. '' The company has ignored my request and upon research I have found information that this company is involved in fraudulent and illegal activities. Please find below a payment schedule the company for my account taken from it 's online center. My Account Loan Details Customer Name : XXXX XXXX Application No : XXXX Original Loan Amount : {$350.00} Principal Balance : {$200.00} Loan Docs : View Want to Make a Payment?
View Options Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 602.043 Interest Balance : N/A Original Scheduled Installments : 6 Current Installment Cycle : 4 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$300.00} Principal Paid To Date : {$140.00} Last Payment Amount : {$140.00} Last Payment Date : XX/XX/XXXX Loan Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$350.00} {$91.00} {$140.00} {$57.00} {$250.00} Regular Current 02 XX/XX/XXXX {$250.00} {$17.00} {$140.00} {$130.00} {$240.00} Regular Current 03 XX/XX/XXXX {$240.00} {$34.00} {$140.00} {$110.00} {$200.00} Regular Current 04 XX/XX/XXXX {$200.00} {$40.00} {$140.00} {$100.00} {$160.00} None 05 XX/XX/XXXX {$160.00} {$64.00} {$140.00} {$84.00} {$100.00} None 06 XX/XX/XXXX {$100.00} {$100.00} {$140.00} {$46.00} N/A None

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My grievance is that Pennsylvania Higher Education Assistance Agency will not count my current or past payments as qualifying payments towards the PSLF. Before I upload documents to their service department I am funneled into choosing a category/reason for uploading so that an automatic robotic response is given based on the category chosen. I used this means to upload proof of payment history and supporting documents and receive an automatic response based on the category rather than a personal response from someone who read through my documents. On XX/XX/XXXX my student loans were transferred from XXXX to Pennsylvania Higher Education Assistance Agency XX/XX/XXXX : I called the Dept. of Education number from studentloans.gov and spoke to representative. Here are to key points to that conversation : 1. I was told to get onto an income based payment plan in order to make qualifying payments for the PSLF 2. I was told that as long as I was on one of these payment plans my payments could be backdated as qualifying payments once my employer was certified as a qualifying non-profit agency.
3. I was placed on the REPAYE payment plan during our conversation. I remained with XXXX as my loan servicer at this time until my employer was verified as qualifying. I made monthly payments and was able to submit my employer as qualifying. Upon verification of my employer, my loan was transferred to Pennsylvania Higher Education Assistance Agency and have spoken with them and emailed proof and payment history showing them that A. I have been on a qualified payment plan since XX/XX/XXXX and B. I have been making monthly payments faithfully under that plan that should have " qualified ''. C. They are aware that i qualify because they recalculated my payments two months ago and my past two payments STILL do n't qualify according to their robots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXXXXXX XXXX XXXX XXXX collection for {$2700.00}. 
Account # XXXX XXXX XXXX XXXX Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXXXXXX XXXX XXXX XXXX XXXX  collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

XXXX XXXX XXXX XXXX XXXX  insurance collection for {$140.00}.

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 2018-03-25
Company: NAVY FEDERAL CREDIT UNION
State: SC
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 XX/XX/2018, Navy Federal Credit Union pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Paypal Holdings, Inc
State: MI
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:
My PayPal XXXX XXXX was subject to fraudulent use. PayPal was notified, cancelled the card and issued a new card. I used PayPal as a Direct Access Debit Card to my personal checking account with the XXXX XXXX XXXX XXXX, formerly XXXX XXXX XXXX PayPal although knowing there were fraudulent transactions kept submitting them for payment to my personal bank account, resulting in NSF charges by my Bank, which Pay Pal said they would reimburse, but have not. In addition, PayPal, although I repeatedly requested refused to contact my Bank directly to explain their policy and this resulted in my Bank asking me to voluntarily close my checking account, because of the excessive NSF charges assessed because of the PayPal policy to submit for payment, charges PayPal knew were fraudulent. PayPal has not fully reimbursed me all my NSF bank charges. PayPal has also not credited me with two additional unauthorized charges although they have been notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
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:
On or around XXXX XXXX, i contacted my mortgage company and followed their phone prompts regarding their COVID relief forbearance process. The phone message said their would be no negative credit reporting during forbearance if it was approved. after i few days, i heard nothing from the company until I received a call from a mortgage broker who was helping me conduct a refi for a different home i own. he said the credit report stated the loan was in forbearance and indicated this was a problem and would not be able to do the refi. Under the COVID forbearance/CARES act, there should be no negative reporting, but this mortgage company reports " forbearance '', which is negative in its impact to my ability to get another loan or other favorable credit decisions like passing a credit check for an apartment lease. I asked the company to stop reporting this as forbearance and they said they would not. I said this is stopping me from moving into a new home and refinancing my rental home. the reporting is going against the stipulations and the spirt of the CARES act. I may need to dispute the entire account on XXXX  or end my forbearance with the mortgage  company because it is causing more damage than it is helping.

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