BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, XXXX, # XXXX has violated my rights. 

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

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

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 2019-08-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Through the year that Harvey hit XXXX the company has had problems with their phones and communication at one point they were posed to be delivering me a replacement phone but it got lost in the mail and I was held they made me on countless times lose money and harassed me try to so party that put me in that position when I could not get the help that I need from them with their bad communication but want to turn around and asked me to pay for their mistakes

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 2020-10-23
Company: EQUIFAX, INC.
State: NV
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:
My wife and I both got our credit report about six months ago and there was multiple accounts and personal info on the report that do not belong to me and I didn't authorize. I filed a police report, an identity theft report, and disputed all info with the credit bureaus. My wife 's incorrect accounts and info was all removed from her report but not mine. We did not authorize these accounts neither one of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX of last year I noticed 2 fraudulent charges in my account. One for {$270.00} and another for {$250.00}. The moment I realized I contacted PNC immediately and notified them. I just joined this bank and already I was experiencing fraud, topped with their terrible customer service experiences I decided to close out all of my accounts with them. Of course the closing of my accounts took forever with their employees refusing for over an hour and a half to let me speak with the necessary parties to do so. When I finally got someone they stated they had to wait until XXXX to close out the one remaining checking account that holds the dispute for the two fraudulent transactions mentioned earlier. I said that was fine since I know I didnt make those two transactions. Keep in mind since their service was so bad, coupled with I didnt even receive a fraud alert for such major transactions I switched back to my previous bank XXXXXXXX XXXX since XXXX of XXXX. XXXX XXXX   has been my main bank since and no transactions at all have been coming out or deposited into PNC. Yet somehow with the account they refused to close because of the pending dispute ( still not sure why its taking them 3 months for transactions that werent mine ) they are charging fraudulent fees. This checking account is a student account thus there is no monthly fees, so I dont get what fees theyre charging for in active account bringing it to the negatives and then having they audacity to charge overdraft fees they created. Fast forward to XX/XX/XXXX. I opened the app to finally see if they closed out the account only to see they refused the dispute asking me to pay for transactions I didnt make. Yes an app had to tell me they never sent a letter or called!!! This bank is above ridiculous! Im not paying for transactions I didnt make, and fraudulent fees theyre charging me because they want to keep an unwanted account open. I did some research and found out Im not the only victim to this scam of theirs, there was a whole lawsuit in XXXX by many customers of the bank and if they dont rectify this situation I will be their XXXX lawsuits and I have proof of not even having access to my bank/debit card at the time of the fraudulent transactions. Im tired of calling just to be transferred around for 2 hours because no one wants to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cancelled my Bank of America card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of {$12.00} ), which then resulted in my credit score decreasing significantly ( again, all over a balance of {$12.00} ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this {$12.00} delinquency ( which had in the meantime snowballed to a total of {$20.00} with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full {$20.00} balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another {$1.00} interest charge ( again on an account which I thought I closed, and thought I finally paid off in full via the phone payment ). So the account still has a balance and I have to make yet another payment, on an account which I have been trying to close, because of a service which BofA sold me and I did not even use once but had been paying for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this {$1.00}, so I am still unable to proceed with my mortgage refinancing until I pay them the {$1.00} and the correction to my credit report is finally made. All over a {$12.00} charge on a closed Bank of America account, from another Bank of America service! I would have expected that the Privacy Assist " service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.

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 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, I Notice several unknown Bank of America Account that I have no knowledge of, I demand of bank of America to validate it because I don't own it. On my report Bank of America reported negative information to the credit bureau I never gave them any authorization to do so without my consent, they keep abusing, harassing 's me calling me day and night pursuant to 15 U.S. Code 1692d with is a violation.

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 2022-03-19
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. Identity Theft XXXX XXXX  Account XXXX : XXXX Please remove it from 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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT THAT IS NON INFLUENCED FROM ANY PARTY.

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 2022-03-19
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:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hello I am a user of paypal they said my account is limited and I can not use paypal anymore. They emailed me I violeted rules, when clearly I didn't do anything. Like honestly I didnt do nothing. Many people have this problem in paypal. Now I don't care if I can't use paypal anymore but my concern is how do I get my funds that's still in that account they said I wait for 180 days to get that money. It's my only fund for now. I dont know if PayPal will really email me to claim my funds or they will close my account and run away with my funds. Please help me resolve this. Also I can't contact them by phone or by chatting them in the resolution center. There's no response to them. At first I thought it was a spoof email but it wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient/XXXX missallocated my payments in a way that I would have to pay them more, they refused to move the money around and told me they could essentially put my money where ever they wanted. I then protested paying them building up interest over time. Also, every time I tried doing income based payments they said they only offered forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: WI
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 15 USC 1681 SECTION 602 ( A ). STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 ( A ), section 2 : it also states : A consumer reporting agency furnish a account without my written instructions.

I did not give anybody written instructions for these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: GA
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:
For approximately 5 years, I have been unable to obtain my Equifax credit report via the online XXXX XXXX XXXX XXXX  website, by signing into the Equifax website directly, or by calling in. 

I have received information from them that my file was involved in and compromised by security breeches. I have kept my file frozen for years now. I can unlock and lock credit, log into my account, and/or initiate a dispute. I am unable to obtain my credit report. 

They have requested I update income, employer, and other information that is not my legal obligation to do, in order to obtain a credit report to which I have a legal right. 

The questions Equifax uses are so vague that they are sometimes hard to answer. The questions XXXX  and XXXX  asks are very specific and easy to answer, so I have no issues with those two agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
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:
Genesis Credit Management has been attempting to collect a debt I do not owe. On XX/XX/2022 I sent a letter to them via certified mail disputing this debt and requesting proof. They successfully received this letter on XX/XX/2022. Today is XX/XX/2022, 31 days past my request for proof of the debt and I have not received any such proof or further contact from the company. I now have a collection amount of {$310.00} negatively affecting my credit due to this unlawful debt. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I tried to pay off my wife 's student loan about 3 months ago and they reversed my payment from my bank so I kept making my monthly payments as before from our other banking institution. No explanation was given. This occurred on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had 4.90 cents in my PayPal the charge went through twice unauthorized and my bank account was connected so it proceeded to charge my bank money that was not in the account I could not cancle or do anything till the transaction wasn't pending meaning pulling again but I did not have the money to cover it I got my bank to waive the nsf fee once for overdrafting but three days later paypal tried again I contacted them they finally canceled the transaction for me but I had already gotten another nsf fee for overdrafts paypal gave me a letter for my bank but my bank did not except it and now my accounts been in the negative since is there anything I can do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received debt collection calls from Bank of America Loan Recovery Group for past 10 months for a debt that is not ours. We have called the BOA Loan Recovery Group as instructed on the collection calls at XXXX & XXXX on six ( 6 ) separate occasions requesting that the calls be stopped. Each time the person taking the call said their records would be corrected. We continued to receive calls from BOA Loan Recovery Group on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016. The calls are for someone named XXXX XXXX ( sp? ). We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our cell phone number for 2 years. We need to have these calls stopped.

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 2015-06-03
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:
The loan company Naviance did not notify me of a payment and reported me late. I received no bill or late payment notification. When they finally contacted be the had my name wrong, and the representatives could not explain to me why they made a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In 2018 I was granted XXXX  in the United States. I followed the advice of my friends and opened a credit card with discover. Shortly after I experienced financial hardship and a XXXX XXXX which led me to a XXXX XXXX XXXX XXXX for weeks. At the end of my XXXX XXXX I found out discover had closed my credit cards and charged them off for non payment even though I talked to them and let them know what was happening. They refused to help me and they closed my accounts and sent them to the credit report which caused so much damage over the years. I havent been able to open a new credit card nor to open a new loan or credit line because of the hard report discover left in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter over a month ago requesting validation of the debt but have yet to hear back anything from the company. I even called ( XXXX ) XXXX to speak to a live representative, however, was unable to ever reach anyone in the correct department. I am requesting a deletion of the account in order to deal with the original creditor directly to clean up my credit profile.

Company response to consumer: Closed with explanation