BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-03
Company: EQUIFAX, INC.
State: SC
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:
Equifax can not resolve my log in issue. I have been on phone with them 8 times to resolve. I tried purchasing my score on XX/XX/2018. was not able to process. I called later that evening and was told I needed to purchase the XXXX plan. I did so but it was not processed because I could not log in. The gentleman sent me a new user ID and temporary password and that did not work. he said he was sending a complaint to the IT department and for me to try and log in in a couple of hours. After this I did an online dispute with a Lady on issues I had with my free report I received early that day. followed up next morning. its still not working, called on phone and was send another temporary password, it did not work. was sent another and did not work while I was phone with person. Called back later that day and spent 2 hours  on phone being transferred back and forth with no help. was Finally told by XXXX that reason I could not access my account was that XXXX service was not processed. Said I had to do the XXXX monthly service to get to my account. I did with reservation trying to explain that it would not fix log in problem. she sent new temporary password again twice and it did not work as it has not before. at this point I was transferred around again to several people before I reached XXXX. after several attempts he was supposed to send in a request to IT to have it look at. was told it could take up to several days. Equifax holds my life in their hands with my credit report. on XX/XX/2018 I received an email with new temporary password. XXXX, same result. it did not work. I called to check the status of my disputes and was told they are all still pending, yet I have received confirmation that several have been resolved. I do not know where else to turn. every time I call I get the same thick accented mild easterners that I have a hard time understanding doing the same robotic responses each time. they will not transfer to a supervisor or to a department that can help. Sad that our countries citizens Finacial wellbeing is in the hands of 3 companies that source out there departments and don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have disputed the information you listed on my report : XXXX XXXX XXXX # XXXX : Unverified information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a 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 2017-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have disputed the information you listed on my report : XXXX XXXX XXXXXXXX # XXXX : Unverified information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a 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 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 information incorrect

Complaint:
I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Everest Receivable Services Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CAPITAL ONE AUTO FIN '' I do not recall authorizing or " someone is using my identity ''. I understand that " CAPITAL ONE AUTO FIN '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CAPITAL ONE AUTO FIN on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CAPITAL ONE AUTO FIN to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

CAPITAL ONE AUTO FIN - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CAPITAL ONE AUTO FIN '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have XXXX set up with Bank of America. On XX/XX/19, I went on XXXX to search for tickets to a XXXX basketball game for my wife and cousins that were in town. Someone said if I used XXXX to transfer from money for the tickets, they would send them through XXXX. 

I sent {$220.00} from my Bank of America app using XXXX. The seller then stopped responding to me and blocked my number, I never received the tickets. The email I sent it to with XXXX was XXXX. I tried to call Bank of America and they said that since its a third party app, they can not do anything about it and that its my fault. I thought they since it was offered through THEIR app, there would be some sort of protection with it. She repeated there is nothing I can do about the matter. I called XXXX, and they said they can not do anything and to call my bank. The confirmation number through Bank of America was 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 explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am 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 2022-01-04
Company: Experian Information Solutions Inc.
State: MD
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused men. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2019-12-30
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I bought a product in XXXX from a merchant in XXXX and paid XXXX {$160.00} using PayPal on XX/XX/XXXX. I was charged USD {$130.00} at the exchange rate of 1.2754 CAD. 
The merchant did not have the item in stock and refunded me XXXX {$160.00} on XX/XX/XXXX. PayPal refunded me USD {$120.00} at the exchange rate of $ XXXX. I reviewed the currency exchange rates from XX/XX/XXXX to XX/XX/XXXX and there was no change in exchange rates like this. 

PayPal charged currency conversion fees on payment to seller and also on my refunds, resulting in me losing >4 % of the transaction. I contacted PayPal on XX/XX/XXXX but they mentioned the fees can not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The below withdrawals ( {$1000.00} and {$600.00} ) were not made by me. I have spent over four hours and spoken to six people on the phone with no results other than being issued a new card. I finally got to one very rude employee in the fraud division after waiting over an hour. She put me on hold several times and finally the call just disconnected. I have also sent a postage paid letter to the address in XXXX, TN. I have had no response. 

Balance for XXXX Available Balance Your Available Balance is how much you can spend right now. It may differ from your Actual Balance due to pending transactions. 
{$9.00} Actual Balance {$9.00} Transactions Sort by Date - Newest to Oldest XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX XX/XX/2021 details XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 $ XXXX ATM Cash Withdrawal Expand XXXX XXXX XXXX XX/XX/2021 details XXXX XXXX XXXX  XX/XX/2021 $ XXXX ATM Cash Withdrawal Expand XXXX XXXX XXXX  XX/XX/2021 details XXXX XXXX XXXX XX/XX/2021 {$0.00} ATM Balance Inquiry Expand XXXX XXXX XXXX XX/XX/2021 details

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: Continental Finance Company, LLC
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
This will be my 3rd complaint with CFPB against XXXX XXXX XXXX dba XXXX XXXX. Two prior attempts have been tried to resolve the issues at hand and the company continues to drag there feet and cause hardship for a cut and dry claim on the credit protection for my XXXX card. As pictured in the uploaded Continental Credit Protection Agreement Item # 7 Minimum Payment Due states The Amount due on your account as NOTED on your MONTHLY billing statement UNDER MINIMUM PAYMENT DUE. Please see last bill i have in my possession dated due XXXX XXXX XXXX Minimum amount due of {$310.00}. I have no access to newer bills with higher minimum amount due. XXXX has removed all E-Billing statements from my account at time of first complaint. Per 2 prior attempts i also sent in VIA US Mail the attached document showing my pay dates and amounts with the official South Carolina Department of Workforce Seal. They state that this is an identical one to one i sent in XXXX and are denying continuing benefits. The date clearly shows i remain unemployed as of today date XXXX/XXXX/XXXX and during the time they have requested. They still have not covered the proper amount of payments on this account. And are fighting to withhold any payment they can on the account. They need to be investigated for FRAUD.  They prematurely charged off this account. Deleted billing statements for XXXX XXXX XXXX XXXX. Showing the minimum payment in excess of credit line and that account credit protection remained in effect.

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 2019-12-30
Company: Experian Information Solutions 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 non-monetary relief
Consumer complaint received 2017-08-23
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My parents co-signed on my private loans with XXXX, which turned into Navient with out my knowledge or consent, and my monthly payments are over 1000 dollars a month. Only having a XXXX in XXXX i can not afford this on any salary that i would recieve in my field so i have to rely on a XXXX salary because my student loans are preventing me from starting a career ( which i went to college to find a career ). My parents and I have called Navient and complained about the payments on many occasions asking and begging to be put on a longer payment plan to make the monthly payments more manageable and they would go through our family finances with us and after we went through all of our other obligations it came out that we could afford it with about {$10.00} to spare so they said they could not do it. I even said " so even if you take all of our money and leave nothing for food or living you will take it '' and their response was 'you can pay it so you have to ' this was about a year ago and after calling on multiple occasions we gave up. I am at my wits end with my loans and feel like I 'm drowning with no hope of it getting better i am desperate. Their defense is that i signed the paper work so i need to pay it. I was an XXXX year old kid and was told college is the only way to get ahead in life. Now its the only thing holding me back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I was sent a payoff quote until XX/XX/XXXX of {$140000.00} by Ditech Ditech was paid XX/XX/XXXX Mortgage in the amount of XXXX on XX/XX/XXXX. 
On XX/XX/XXXX, I closed on the sale of my home. 
At the closing on XX/XX/XXXX, I was required to pay Per diem of 3- 10 days@XXXX/ per day. 
On XX/XX/XXXX Ditech was notified via fax regarding refund of overpayment and requested when would refund would be received On XX/XX/XXXX my principal balance per Ditech intranet website reflected {$140000.00} On XX/XX/XXXX, Ditech responded they still note my account to be active and I required to pay my mortgage amount of {$750.00} on XX/XX/XXXX payment The attached correspondence was sent, and I have yet to hear back from Ditech XX/XX/XXXX, the new servicer XXXX XXXX contacted me that would now be servicing my loan with a new mortgage company and that my payment was required to be sent to them. I notified them that my home was sold on XX/XX/XXXX and that the required per diem and XX/XX/XXXX mortgage was paid to Ditech. 
To date XX/XX/XXXX I have not received notification from Ditech regarding my refund of overpayment, Ditech has not notified the new mortgage company of the loan being paid. 

In close, the new scam with bankers is selling mortgages to other companies. I have made it a practice to do ALL correspondence with Ditech in writing and record all calls to them, based on their mishandling of my funds over the years and no help from the CFPB. So now you are involved know the story what are you going to do? Nothing as usual or actually advocate for the consumer which is what I thought your company was created for Ill wait to see! 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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 have noticed many incorrect and unauthorized items appeared in my report. I have filed a proper documentation regarding this to the bureau and yet they did not remove them. I am attaching file below for these inaccurate item 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 2021-02-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
On XXXX XXXX XXXX I received a validation packet from MDS with procedures and amounts listed. I asked this company to validate my debts, but not to violate HIPAA I do not know the people that work at this company nor do I sign a HIPAA form giving this company permission to send me my medical XXXX on the dates of service I requested. 
This is a direct violation of HIPAA. 

On XX/XX/XXXX they have decided to send this information to me again, after i contacted them advised them they violated HIPAA, and to remove these debts off my credit. They put it off on the original creditor who is XXXX, but XXXX did not send me anything directly this packet came from MDS

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 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Re : Account # XXXX On XX/XX/XXXX, I authorized a bill payment of {$800.00} for the XXXX XXXX Credit Card to go to XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
Unfortunately, Capital One 's bill pay system says they mailed the check, but the check was cashed in XXXX, Mn on XX/XX/XXXX. I am disappointed because I have trusted Capital One bank since XXXX and used this service continually and this is the first time, I have had this problem. Capital One 's bill pay service does not work correctly, nor does its dispute service because I called and continued to call just to receive the canceled check weeks later. While my dispute was denied the same day and not one person noted that the check was cashed in a different city and state than the merchant addressed.

Company response to consumer: Closed with explanation