BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MD
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: Other problem getting your report or credit score

Complaint:
I've been repairing my credit for the last two years and I constantly check my credit reports. I noticed that if you go over the limit or have a high credit usage on my credit cards, Experian will throw that on my report quickly costing me lots of points. A few credit cards reported earlier in the month and they still reported again in the same month because I went over the limit on my credit card. Experian will put it on your report fast with no problem. Now since the beginning of XXXX, I have control of my finances and I paid every credit card down, which I would hope will be reported quickly like the negative things are reported. No, I currently have cards that have not reported since the beginning of XXXX and we are almost in the month of XXXX. A few days ago, XXXX account was not reported since XXXX, months ago. I check credit karma daily also and they would get the reports a little bit after experian, but now, they are reporting way faster than experian. Come on, I worked hard on my credit and I would like my points, THAT I EARNED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: ALLY FINANCIAL INC.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
-- XX/XX/XXXX - asked to obtain a note from my manager to " prove '' I could work from home. Employment verification was completed but I received 3 requests to get a " note from my manager ''. 
-- XXXX - asked to get a document from the City of XXXX for a dect 6 years ago when I provided proof I'd paid the debt in full. 

-- XXXX - approved closed on the loan XX/XX/XXXX - closed on the loan but not sent my cash out checks not received nor a notice or option of how the cash out would be paid. Contacted Better to get clarity. 

-- XX/XX/XXXX - repeated requested the checks be sent made payable to me as the loan had been closed for 2 weeks and bills are due ; awaiting these funds -- XX/XX/XXXX - sent checks and made payable only to my debtors ; stated in loan disclosure form. Checks made out to my debtors with no way of debtor knowing I'm the payee. Payout checks are useless. 

-- XX/XX/XXXX - checks sent made payable to me and debtors ; banks refuse to deposit. Checks useless and loan funds have not been received to date. My debtors nor I have funds from loan closed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am opted in to overdraft coverage, and unfortunately overdrafted my account by {$1.00}, with no charges smaller than that ( meaning it was only XXXX charge that sent me over ). I then was charged XXXX {$36.00} OD fees for a total of {$100.00}, leaving my account at $ XXXX. When I called Regions to sort out, they said that the way the charges were pending is what caused it, and that it was not a mistake.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$8100.00} ; 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 XXXXXX/XX/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 2022-10-03
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:
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. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and are reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by a Private Investor named XXXX XXXX. The equivalent of 12.4 BTC ( XXXX GBP ) utilizing Kraken. I have done my own investigations and also found that the scammer used XXXX as a beneficiary of my cryptocurrencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I recently had my debit card stolen, and because I had many automatic payments linked to this debit card I ask for Bank of America to rush deliver the new card. Not once in the entire call did the representative inform me that the rush delivery would be {$15.00}. Had I known this I would have waited for a normal mail delivery. I have to told the bank that the representative never told me about this fee and to reverse it. They have declined, and on top of that, I called for my new card on Tuesday XX/XX/20 and as of today Friday XX/XX/20 I have not received my new card.

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 2022-03-22
Company: Affirm Holdings, Inc
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: EQUIFAX, INC.
State: MN
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:
On XXXX XXXX XXXX I attempted to obtain my credit report from Equifax on the XXXX website. I completed the information and got this response with np explanation. This was the response. Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

As a XXXX XXXX I should n't be treated this way. I tried to contact them with no response. I wish to make a formal complaint about their failure to comply with federal law. There response makes it difficult for myself and I believe violates the Americans with XXXX XXXX. What are the procedures to formally censure the Equifax for not following the law? Thank you,. 



XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a previously paid in full student loan for my  XXXX .     Loans for my  XXXX   XXXX  were arranged by university of  XXXX  and managed by   Navient.
Navient   : difficulty with payment application to multiple accounts.     Was directed to forbearance and returned forms to  Navient  - they did n't apply forbearance and hurt my credit.     Attempted to lower payments and was n't allowed.     Account turned to  XXXX  :  XXXX  applied high pressure tactics including calls to relatives and friends after I requested forms for payment arrangements.      XXXX  did n't send payment agreement documents as agreed. Tried to pressure me to pay them without signed agreement in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Empowerment Ventures, LLC
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Yesterday, XXXX XXXX i received my direct deposit at XXXX XXXX and tried to access the funds at XXXX XXXX and could not. When i called the customer service phone number i was on hold for over an hour. The agent told me that there was a problem with the direct deposit file and that all funds were reversed and would be re-deposited in about 1-2 hours. Today, XXXX XXXX as of XXXX XXXX, i still do not have my direct deposit funds and today is the actually payday. I called customer service again and they say they are working on the issue and i would receive a text once the funds become available.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I am a member of a RushCard company for the last 10 years and my deposit was set up to go onto my card on XXXX XXXX, 2015 it was never posted I called customer service several times with empty promises of it being on my account never happened I have my XXXX Number as well as the account number from my payroll analyst going into my account and we have also done a trace and it shows it was excepted by Rushcard they are claiming they have never received anything although they have on the same day for the last 10 years from the same company

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: DISCOVER BANK
State: GA
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 contacted XXXXXXXX XXXX XXXX to repair a wheel I have. On XX/XX/2001 we agreed on the work to be completed and the price. I am in XXXX, XXXX XXXX is in XXXX NC .I sent him my wheel. About XXXX XXXX after some phone calls and texts I started to be concerned how the wheel was being repaired. After more conversations I was certain the wheel was not being repaired properly despite XXXX continually tell me they did what I asked them to do. Then about XXXX XXXX he sent me a message : " The hub and lug seats are true to the outside of the wheel. It was done on a XXXX milling machine ''. That was what I wanted done. I sent payment. He sent wheel back. I received my wheel and Immediately saw he did not do the lug holes and the bore was wrong. I put the wheel on my car and saw that it was still wrong, XXXX had fixed nothing. I did a charge back through Discover. They sided with the business. We explained to Discover the issue on the phone and they agreed to do a second charge back. They again said transaction was valid. This was around XXXX XXXX we called discover back, they agreed to send me the document XXXX sent to discover. most of that letter was false information. I have sent new documentation to discover, documenting that the wheel was not repaired. I will also send you copies of that documentation. I never would have paid XXXX if I knew he was cheating me. I have the wheel, It is not useable, yet XXXX still says he did no wrong. I just don't understand how all this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: TN
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 reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent 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 explanation
Consumer complaint received 2015-10-13
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I have a account with Rush card and my direct deposit has not been given to me, and I 've called customer service and keep getting hung up on. The automated system said they can not locate my account with my social security #. I really need my paycheck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03
Company: Empowerment Ventures, LLC
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I was working with your agency on a case that you referred to the Office of the Comptroller of the Currancy ( OCC ), but you never gave me the case number for my case over there. I believe this company, RUSH card has me in a SCAM so I need to discuss it with them or with you to update you on my new developments on this same issue. What do I need to do now to provide my updated information? I do NOT want my case closed yet because of new developments! PLEASE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted I.C System regarding a letter they sent regarding a bill from XXXX. They said they had not reported the bill to the credit unions, which I had verified prior to calling. They said they were not reporting the bill to the credit unions. We came to a payment agreement. I paid agreed. They reported to the credit union, making it look like the bill had n't been paid in 2 years, which was not true. I paid as soon as XXXX verified the breakdown of the bill was accurate and that I had received credits that I was due. 

I.C System maliciously caused my credit rating to drop. I.C. System reported after it had processed payment. Prior to our making payment arrangements they indicated they had no reason to report a debt paid as agreed.

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 2021-05-21
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
my name is XXXX XXXX and i had a conversation with discover card rapresentive on XX/XX/XXXX requesting to lower my interest rate to 4.99 do to the fact that i had an offer of 0 percentage from a new card if they could lower my present interest rate. 
they agreed to lower to 4.99 and send an email to confirm it. 
enrollement should start in XXXX payment now they denied such agreement and charge me XXXX XXXX XXXX dollars of inrerest on my balance. in a conversation with an agent she told me that the note on the account said that i had an agreement of lower interest rate at XXXX and she did not know why did not get activated. she put in line with a supervisor name XXXX which change complete the issue and told me that no such deal ever occurred. 
obviously she lied and they deserve to get penalizes for breaking all the consumer law in book and the supervisor XXXX need to get XXXX.am requesting the involvement of the cfpb in this matter and disbar the discover card for fraud against consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I feel behind on my mortgage because I was forced into early retirement and am know only rely on my Social Security income. My mortgage is at a 10.5 % interest rate and i'm not able to afford my mortgage payment with just my Social Security income. I tried to be reviewed for workout assistance with my lender and have been denied because my investor does not participate for workout assistance. To make matters worst I relied on getting some type of assistance that I feel more behind that I got a sale date and had to file bankruptcy and I am now in bankruptcy making my trial plan payments. But still not able to afford my current mortgage. I feel that I am the perfect candidate for workout assistance. I have never been approved for anything and now need it more then ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have submitted several letters to XXXX, XXXX and Equifax Credit Bureaus to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CPC XXXX Is a debt collection company that keeps calling my employer 3 to 4 times a day. They have shared information to my co workers and it's personal information that they should not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: IQOR US INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Dear : Consumer Financial Protection Bureau I am writing this complaint because this number has been constantly calling my home number and I have told these people they have the wrong number for the person they are calling about. Sometimes, they use a private number and when I try to call them with the number shown on my caller ID there is no answer. Please, contact these people about calling me for a matter that does n't concern me. This is a form of harassment and an invasion of my privacy rights. I have told this company that I am on t he Do Not Call Registry. Some one, said they are sending documents to my address and I do n't have a clue what they are talking about. I think this is a Scam!!!   THIS IS THE NUMBER THAT HAS BEEN CALLING MY HOME NUMBER :  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