BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
transunion have violate 15 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( XXXX ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards transunion had XXXX financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose thousand of dollars during a pandemic..

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 2020-04-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my personal information corrected on my report as this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received approximately {$5500.00} by Stafford loan to earn my degree. I made payments for a little more than a year and then the reality of my XXXX set in that no one was going to give me a job when you have XXXX 's XXXX. So I asked XXXX XXXX what could I do and they said there was a forgiveness program for people with 100 % XXXX like myself and I asked for them to send me forms. They became Navient during this exact time frame. Navient automatically kept rolling me into forbearance charging fines and accrued interest. I have requested this forgiveness route and appropriate forms and the operators always tell me they will but they do n't. More unrequested forbearance and fines. After no less than eight attempts to get these forms and begin the forgiveness process Navient has placed me on some harassment computerized call list that has " XXXX '' call as many as 8 times a week from XXXX to XXXX. " XXXX '' does not have a path to Loan forgiveness. And emails have failed to get the appropriate forms. Now, I just routinely block each new phone number that the government tries to use to harass me. As a XXXX vet who tried his best to return to the workforce and be a more contributing member of society I am utterly despondent at the treatment I have received. The stress of XXXX is compounded by the financial hardships that Navient has caused by attacking my credit rating that has rolled over into other outstanding debts I was already struggling to pay. In an emergency I had to buy an appliance so I got a lowe 's credit card. My XXXX payment account first changed my interest from 16 % to 29.9 % not because I missed a payment but because my credit rating fell because of Navient. Even though I was n't using my credit card and had n't missed a payment they then cut my credit limit to a lower value than the existing total. So now they charge fines as they seek their unauthorized new 29.9 % interest. I contacted them and confronted them and told them to fix it or I 'd not pay them anymore. I want to pay my debt but creditors are behaving like mafia lenders that change the rules and try to extort more money that the original contract I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNT AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has not provided me with a written determination of appeal from their Appeals Department for the XXXX 2012 MHA HAMP timely appeal request. Bank of America has only informed me unofficially of their claim of a determination over the telephone, but have refused to provide the Bank of America Appeals Department determination to date. 
While I am in possession of Bank of America internal Appeal Report document and documentation issued by the Bank of America Appeals Department and uploaded to the borrower Home Loan Modification Status iportal, this does not satisfy the requirement set forth in Regulation X and California Civil Code 2920 - 2944.10.

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 2015-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I was in chapter XXXX, XX/XX/XXXX through XX/XX/XXXX. Trustee paid {$14000.00} to heloc loan with Countrywide/Bank of America loan # XXXX, {$2000.00} was for interest. This entire amount has not posted to the account. They reported no payments for to the XXXX credit report " no payments '' for XX/XX/XXXX during chapter XXXX and for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The balance does not show the entire amount applied from the trustee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: Navient Solutions, LLC.
State: CA
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:
Every time I call Navient, I get a different story and a different answer. I will call and be told that my loans are current and there are no issues, then the next thing I know they are saying that I am past due. I make {$1900.00} per month and most of that goes towards raising my family of XXXX. They say that my lowest monthly payment is around {$300.00} which is too high for me. When I call they give me attitude and never seem to record what was said during the previous call. I have a very hard time even getting ahold of somebody. I am often on hold for 45 min. I called to re enroll in the lower monthly plan and they said they needed my main borrower 's financial information because it had n't been updated since 2014. How is that possible when I have been in rate reduction this year? They make no sense what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
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:
XXXX have violate XXXX5 usc 1681n 15 USC 1681b permissible purpose ( a ) 15 USC 1691 ( d ) ( a ) ( 1 ) 15 USC 1681e 15 USC 6803 Violating my privacy reporting to financial institutions without my consent sharing my personal information 15 USC 1681a- ( B ) 15 USC 1681 Congressinal findings statement of purpose in regards to my current credit cards XXXX had 4 financial institutions decrease my credit limits which is legal my signed signature was an extension from my open end credit plan which caused me to lose XXXX of dollars during a pandemic..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: PA
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:
My credit score was dropped by XXXX points in XXXX for no reason at all. There was no change in anything I had been doing at all, absolutely no changes at all in my credit history other than an unexplained drop of XXXX points by experian with no explanation or notification.

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 2016-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX agreed to remove tradeline if I paid a large lump sum instead of via a payment plan. I paid and the tradeline was not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: Waypoint Resource Group, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Regarding my account with XXXX XXXX. 

I never receive any email or mailing notification about the remaining balance or past due after I canceled the service. I was on auto-payment and their system did not process the full amount. I never got any text messages, email, or physical mailing regarding this past-due or remainder payment notice. I just checked the statements on the account and they took out a partial monthly service amount. I assumed the payment was paid in full with autopayment when I canceled the service. I am upset that this went straight to collection without any form of contact. I have no problem paying the amount but the way XXXX conducts cancellations like this is very unprofessional and having it affect my credit rating is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells notified me of my account being overdrawn with a balance of - {$1.00} on XX/XX/20, which was caused by an ATM withdrawal for {$40.00} on the same day. However, I did not make any withdrawal on that day and have notified Wells Fargo accordingly. In fact When I called Wells customer service, the automated response indicated that the transaction was payment to an overdraft account, not an ATM withdrawal as indicated by Wells online and by email. 

Importantly, I signed up for overdraft protection when opening the account and have confirmed that the account has this feature by phone subsequently, yet all transactions potentially requiring overdraft protection have been denied with not one transaction has ever been covered by the overdraft feature.

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 2015-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery constantly calls from different numbers. When I block one of their numbers, they call from another one. I have no debts. I pay off credit cards in 30 days with auto-pay from my bank account. This may be one of those " zombie debts '' that XXXX XXXX was just fined for. I would like Portfolio Recovery to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My property was repossessed on XX/XX/21 by BMW FINANCIAL SERVICES NA LLC in retaliation against me, for filing fraud against the dealership who put me in contract with this financing company. When I requested a copy of the original note, I was sent a copy with XXXX forged signatures on it, which deemed fraud on their end, NOT MINE. I signed a document in front of my house to securitize the account, and in return that exact note was not provided to me when requested. This repossession and extortion and threat to auction my property due to fraud, is invalid and causing XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Viking Client Services
State: FL
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 received a letter from a company called Viking Client Services stating that I owed a debt of {$8800.00} to a company titled XXXX XXXX XXXX. This is the first time Im receiving any form of documentation from either of these companies. 

I responded back to both companies in writing for verification/validation in the form of written documentation to note some form of wet ink contract or purchase agreement or any reason why they would be contacting me about owing them money. Neither company has responded to my written request and I have only received a certified returned receipt from XXXX XXXX. I am still waiting for written validation. 
I also sent a copy of the letter sent to Viking Client Servicies to XXXX to ensure that each party had the ability to collaborate in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Rewards

Complaint:
I was extended an offer by American Express to get a " Blue Cash Everyday '' card with a {$200.00} rebate bonus ( as a statement credit ) after spending {$1000.00}. 

However, they only gave me a {$100.00} credit when I reached that spending level. When I called in on XX/XX/XXXX, they insisted that my offer was only for {$100.00}. When I provided the details of the offer to them, the opened a case and said to give them 10 days to investigate it. It 's now been well past that and I am now being told it might be 6-8 weeks. 

This has gone on far too long for an error that should have never happened in the first place. I certainly would n't get 6-8 weeks to fix an error in my payments without repercussions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have requested on 3 different occasions to have XXXX accounts deleted from my credit profile. The credit bureau continues to report them despite inaccurate information. XXXX XXXX and XXXX were never authorized to obtain credit file or insert items to credit file under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2015-04-16
Company: FC HoldCo LLC
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The loan company, Flagship Credit Acceptance, has been asked in writing more than XXXX, and on the phone more than XXXX to cease from calling me at my place of employment as it is not allowed. 
They continue to ignore this request/demand and have called here again today, giving XXXX of my co-workers a snide attitude. 
I have asked them in writing to stop harassing my friends and family members as well to no avail. After a certain amount of tie goes by, they seem to feel justified to call my work and other contacts. 
This loan is up to date and the payment they are starting to harass me over is only a few days late. 
I have had enough with this company 's bad business practices and judging from other complaints I have read, I am not alone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2020-04-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
my issue is with Paypal. This issue started way before the incoherent & incompetent Corona Virus response. 
I have repeatedly followed Paypal 's instruction regarding banking information but it does not work. 
I can not remove a bank I do not want to use. I can not identify who paypal is requesting money for. Just a bunch of numbers and letter from the bank and Zero identifier from Paypal. Paypal will not accept any cancellation of these charges nor identify the source of the money request so I can cancel things directly. At this point I just want to no longer have a paypal account at all and no. Paypal will not allow me to cancel my membership either. 
All I want at this point is to Not be a Paypal customer but no. That is not permitted. I can not reach paypal by phone due to Corona Virus. 
Since this is a computer issue it is likely only a human being can fix this but no humans are available.

Company response to consumer: Closed with explanation