BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: FL
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: CT
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:
There are accounts under my name that is reporting inaccurately and inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the credit reporting agency but they did not remove them. See attached file for the items I am complaining.

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 2018-02-17
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:
Bank of America has recently reinstated a monthly fees for checking accounts which don't have a monthly direct depict or have lower balance. This just seems to be a way to penalise people for not having enough money. If someone loses their job and their salary direct deposit stops, they start being penalised for falling on a hard time! The fees is {$12.00} per month. I have been charged twice between XX/XX/XXXX and XX/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 monetary relief
Consumer complaint received 2021-01-07
Company: Torriere Holdings INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. 

Spire Recovery Solutions has left me a voicemail on XX/XX/2020 without stating who they were, their company name, and what their purpose was.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Second Request : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2015-12-07
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
I requested a balance transfer with XXXX XXXX Barclays credit card to pay off my XXXX XXXX card on XXXX XXXX. After I requested the balance transfer I have called XXXX XXXX multiple times between XXXX XXXX to XXXX XXXX to check the status because XXXX XXXX says it 's posted but the XXXX account does not show the balance transfer. I even repeatedly ask XXXX XXXX to investigate the issue but the representative keeps saying if the account number I entered was correct, the payment will go through and post on my XXXX account. On XXXX XXXX, XXXX XXXX 's representative told me that they are going to investigate, but a later conversation with a XXXX XXXX supervisor reveals that there was no investigation. On XXXX XXXX, XXXX XXXX finally agreed to investigate but provided no update to me until I called again today. Today on the first call the XXXX XXXX representative says the issue was still under investigation. On my three-way call with XXXX and XXXX XXXX later today, the account number was verified to be correct but XXXX says XXXX XXXX used a wrong delivery method. XXXX XXXX keeps denying that they made false representations and refuse to refund me the interest I was charged because of their mistake. XXXX XXXX offered to do the balance transfer again at the same term as a resolution, but does not guarantee that they will use the correct method to delivery payment, which means it is not a resolution at all. I am very disappointed because XXXX XXXX 's repeated misrepresentations ( all of the conversation were recorded on XXXX XXXX 's side ) has caused me to pay extra interests on my balances on my XXXX account that I could have avoided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23
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:
I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. 

Today on XX/XX/XXXX, 2017 I made yet another call to this credit reporting agency. I was transferred to the supervisor named XXXX employee # XXXX who argued with me endlessly that Equifax is NOT required to follow federal reporting standards of completeness and COMPLIANCE or Metro 2 reporting laws. She explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. She said they  refuse to delete the information that is being reported wrong and there is nothing she or Equifax will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. 

I have kept very accurate records since XX/XX/XXXX of 2017 of all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... 

Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I started a XXXX XXXX on XXXX to get rid of my inventory. I was selling my inventory at a loss, but I don't know why Paypal took my money XX/XX/2019 PayPal - negative {$2600.00} XX/XX/XXXX Transfer P PayPal - negative {$2600.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$2600.00} XX/XX/XXXX Transfer You reported a problem with this transaction. See the status of your case in the Resolution Center. 
Paid with Balance {$2600.00} Transaction ID XXXX Seller info PayPal Note {$2600.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: The Outsource Group, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert from a credit monitoring service that Medicredit has placed a collections on my credit report today and i have never received proper communication to try and resolve said debt. It listed today that they have been trying to collect a debt since XXXX, yet it appeared on my report today, XX/XX/XXXX. I immediately contacted Medicredit to resolve the debt and asked them to please remove from my 3 credit reports as I am in the process of purchasing a home. They provided me with a receipt for payment but informed me they will not remove the negative information for 7 years. 

It would have been nice and helpful if I would have at least received a phone call or letter informing me I have a debt prior to any collections. And it would have been nice in good faith they would understand my current situation of purchasing a home to consider removing this from my reports. I have already filed a dispute as well as mailed letters of goodwill to the 3 reporting agencies. This is an old account and I had zero knowledge prior to today of this account. It makes me wonder what else may pop up on my report unannounced and unexpectedly.

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 2022-05-03
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Applied for checking account already having XXXX credit cards with CITI financial and with no warning or disclosure they did a hard pull on my credit. I would not have applied for the account had I known this. I did take the time to read the fine print before applying and again after the credit inquiry and nowhere does it disclose this.

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 2022-05-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX : 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 explanation
Consumer complaint received 2017-08-23
Company: JPMORGAN CHASE & CO.
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
Chase Sapphire closed my credit card account with the credit limit of XXXX that I open XXXX XXXX XXXX and they closed my account XXXX XXXX XXXX for a charge off i end up moving and I never received my card and it was fraud charges that made my balance XXXX when I recently opened a XXXX XXXX for the first time to check my score and saw it, I called chase and told them about it and since I never made the charges and never received my card I requested for them to reopen the account and send me a new card they told me they was n't able to but they will start a fraud investigation and I would have to reapply again I do not want to do that and they pull my credit I should n't have to when I never made the charges and when they investigate it they will see that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the detailed explanation required by Regulation X, 12 C.F.R. 1024.41 ( d ). 
also under the National Mortgage Settlement there is not a provision on the amount of delinquency or that 3 years being delinquent is reason to disqualify the file from review. The lender stated the because the Borrower applied and was denied in 2014 and they are 3 years past due making the borrower permanently barred from loan modification services. 
Pursuant to Regulation X, 12 C.F.R. 1024.41 ( h ) ( 4 ) we hereby request that you leave this modification offer open until a minimum of 14 days after a decision is made with respect to this appeal. We simultaneously ask that foreclosure be suspended in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

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 2020-04-22
Company: AES/PHEAA
State: MT
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:
I am in the Public Service Loan Forgiveness Program and I made my 119th monthly payment on XX/XX/2020 through XXXX. Due to the CARES Act I do not have a payment due until XX/XX/2020. However the XXXX states that each month for which a loan payment was suspended under this law shall be treated as if the borrower made a payment for the purpose of any loan forgiveness program for which the borrower would have otherwise qualified. 
This means that for borrowers in an income-driven repayment plan, the suspended payments are considered qualifying payments that can be counted toward forgiveness. Borrowers working toward Public Service Loan Forgiveness will also have time in suspension counted toward their 10 years of qualifying payments. My statement should have come out out on XX/XX/XXXX. I am still employed by the State of Montana and have met all of the qualifications for forgiveness as the XXXX payment would have been my 120th payment. FedLoan has had a history of not correctly assigning my payments and I have had to go through CFPB to get them to correct their errors. I clearly qualify for forgiveness as of XX/XX/XXXX as that is when my bill would have gone out. Please force them to quit violating the CARES Act on my account and grant my loan forgiveness. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: CA
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:
The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have not received the services charged on my card and it is now showed closed because I refuse to pay for something I didnt receive! I was charged fees for being late which I paid a payment also and they reported wrongly on my credit report that I didnt pay! I need this account deleted from trans union XXXX and 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 2021-02-27
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
A week ago I received a notice and a new debit card from Cardholder Services for an USBANK XXXX. I never requested this card nor do I have an USBANK account. My understanding when researching online this would be triggered by someone filing for unemployment benefits and the government uses this card as a prepaid debit card. I have not applied for unemployment benefits. 
I did not activate the card. I did not contact USBANK because my research shows it could be a big waste of time. 
My concern is how did my name get used to apply for this card? I also want to get this account cancelled. thank you

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 2018-02-17
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A dispute case was supposedly opened on XX/XX/XXXX for a fraudulent purchase made on XXXX, XXXX to XXXX XXXX. XXXX is my email for Paypal account. Someone used my XXXX account and purchased an item, a XXXX XXXX watch in the amount of XXXX. This information was provided to Paypal rep, a gentlemen whom I did not get the name of on XX/XX/XXXX. However, when I called today, XX/XX/XXXX, to provided additional information pertaining to claim I was told by Paypal rep a claim can not be opened due to status of account. As far as I know, no claim or case has been opened pertaining to this charge. I called XXXX and was referred back to Paypal, the XXXX rep said a claim was already opened which contradicts the information I was given just minutes earlier by Paypal rep. The information I was going to provide Paypal and XXXX is tracking information which shows package left with individual on XX/XX/XXXX. USPS tracking number is XXXX. I checked with my mother whom I live with, she was home on XX/XX/XXXX while I was at work, she did not receive any package. I checked with post office and was told package was left in parcel locker, which is strange as tracking info shows left with individual. The package is nowhere to be found, I've checked with neighbors and they have no package with my name on it. As stated before, I attempted to provide this information but was told by Paypal there is no case, which was contradicted by XXXX rep.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive numerous calls from ( XXXX ) XXXX with a recorded announcement about student loan debts. I believe it may be from a company called Navient. I do not have a student loan, but I was a personal reference for my sister in law about 20 years ago. 

In the past I got calls from an actual person and I asked multiple times to be put on their no-call list, but I still get daily calls. 

I've called the number and reached a person, but when I tell them that I don't have a debt in the system and want to ask questions about why I'm getting these calls, they hang up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have not had a XXXX account since probably 2012. When I closed my account and changed providers I owed them nothing, and have heard nothing since. Today I received a letter from Jefferson Capital stating I owe {$270.00} ; when I called I got put on hold and disconnected 3x.

Company response to consumer: Closed with explanation