BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XXXX, I originally had XXXX XXXXtudent loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by XXXX. After recently checking my credit report, I discovered XXXX 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different XXXXt customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of XXXX to comply, I also disputed this information directly with the credit bureaus, and XXXX was said to have verified and updated the information, but the XXXX late payment remains. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ). 

I was accommodated when the payments were put in its deferred status, and XXXX did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that XXXX remove the XXXX late payment mark from XX/XX/XXXX, and show it as " ok '' and current.

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 2022-05-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
PayPal won't allow me to withdraw, transfer or send money through other PayPal users. No email or notification why they are not allowing me to do that. They actually hold my money and I'm not allowed to withdraw, transfer or send money.. I tried to contact them but no reply. Maybe this complain can reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The most important thing I want people to realize it that XXXX tacked on approximately XXXX onto my loans because i got back on loans. Then my loan was transferred to pioneer then navient. So my complaint goes back a long time, then my Grandparents who cosigned, but never got so many calls are now being preyed on!!! This is the lowest form of preying, they are in their XXXX XXXX and always in the hospital. I asked them to please stop because i moved from XXXX to XXXX to be with them they were depressed lonely and XXXX alone. I got a job and was able to get payments going but now that i moved back to XXXX because my Dad now is taking care of them and i am still looking for work. Please we just need some financial patience from this multi XXXX XXXX juggernaut who is preying on us a small little loving family who is going through tough times. Please help. Thank you. Stay strong and keep Loving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX The AFFIANT was credited {$11000.00} via " XXXX XXXXXXXX XXXX XXXX. XXXX XXXX '' to attend College. In XXXX of XXXX the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' initiated phone calls and e-mails demanding that the AFFIANT and his Mother were in debt to the Company due to alleged credits that they had leant to them on XX/XX/XXXX. The AFFIANT and his Mother being unaware of their Lawful protected rights via Constitution, Fair Debt Collection Practices Act ( FDCPA ), The Stamp Duties Act of 1862, HJR-192, etc. started paying the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' and by XXXX of XXXX the {$11000.00} that was credited to the AFFIANT through " XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX '' a different Corporation had turned into a {$25000.00} invalid debt via interest that the defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' falsely added. 

Due to economic hardship, the AFFIANT sent the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' a Validation letter via Certified mail on XX/XX/XXXX in pursue of competent evidence that he is legally obligated to pay the Company via Fair Credit Reporting Act, 15 USC, 1681 et. seq. On XX/XX/XXXX the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' sent the AFFIANT a fraudulent contract from " XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX '' as their alleged competent evidence of contract. The illegal contract and previous stated tactics and accumulated evidence used by the Defendant " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING '' violates : -15 USC, 1692b ( 5 ) -15 USC, 1692f ( 8 ) -15 USC, 1692e ( 7 ) -15 USC, 1692d ( 1 ) -15 USC, 1692a -15 USC, 1692d All above mentioned violations have been accounted and sent to " NAVIENT DEPARTMENT OF EDUCATION LOAN SERVICING, Commissioner of USA Internal Revenue Service ( IRS ), and NAVIENT CORPORATION '' via Affidavit of Truth via Certified Mail following attached invoice of damages done to the AFFIANT and his Mother on XX/XX/XXXX coming to a total of {$69000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft AMEX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: OK
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX CARD Account Number : 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 non-monetary relief
Consumer complaint received 2022-01-23
Company: CITIBANK, N.A.
State: IL
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:
I have a Citi card attached to my XXXX Membership and on the XXXX of XX/XX/2021 I Renewed my membership in store with my debit card. The Citi company auto charged me for my membership so I called and they removed the charge. A month later they again charged me for my membership without the direction of XXXX or myself so this was a fraudulent charge they made which I was unaware of until i started getting harassing text messaging and late fees. Since then I have called and been put on hold for hours hung up on told its in the process, told that they sent it over for fix, all in the process of getting more late fees and being told it takes a couple days to come off the account. It has not been resolved as of today XXXX and i just got off the phone with them again with the same answer that they have sent it to dispute for removal. The phone calls have been non stop harassment and embarrassment for me while I am at work and in my personal life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Team, Please check the items from my Identity Theft report because I do not recognize them. I have never had anything with these companies and I do not know the origins of those items. Definitely I can say that they are not mine therefore please investigate and remove them from my report. 

Thank you in advance

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 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be delete immediately : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX : {$600.00} ; XXXX XXXX Balance : {$170.00}

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 2022-01-23
Company: Union Credit Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/22 I summitted a hipaa violation to Union Credit for 4 previous accounts that were on my XXXX credit report. On XX/XX/22 I submitted a separate complaint in regard to another account that's reporting from this company. ( I received a message saying answered last week ) the attached document with this complaint is a new violation letter mention the desired account to be removed from my credit profile. I would like this account to be removed form my profile immediately. thanks for the cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item from XXXX clothing company in XXXX. Due to very slow delivery I received the item the same time I got a statement from the store credit card. I immediately sent the item back to the company and did not pay the bill due to the fact that the item was returned and that was the only item on the statement. I recently received a new statement with the previous purchase amount and an additional fees. I only owe for current amount in XXXX which is {$40.00}. There should not be an additional {$50.00} in fees to the account. I also asked for account to be closed with proof. The company refuses to correct bill and close account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The attached provides a general overview of the entire situation dating back to a wrongful default in XX/XX/XXXX, which I 've been fighting ever since. However this particular complaint specifically addresses an action taken by Bayview Loan Servicing , LLC ( BLS ) in XX/XX/XXXX. All details, dates and related documentation is included. The action referenced was a " secreted '' review for a loan modification pursued by BLS in direct contradiction to my direction ( provided to them on multiple occasions ). I briefly considered a loan modification in an effort to stop foreclosure action. However, because of an highly inflated balance resulting from the wrongful default, errors, payments not credited, etc. I 'd be trying to have reconciled since, I decided to try again to accomplish that before moving ahead with the modification. As such, I advised BLS accordingly ( XX/XX/XXXX ). I did not submit or sign an RMA application and did n't submit any required documentation. I was told during earlier discussions with a representative that to be able to discuss the options, I needed to sign a hardship affidavit and a BLS Information release, which I did. Neither authorized them to purse a loan modification. BLS has been building a case to withstand any opposition to foreclosure since servicing was transferred to them in XX/XX/XXXX. Details regarding its purposeful in action over five years is provided in the complaint. I have gone in circles since XX/XX/XXXX but did make limited progress until the transfer. All corrections and credits made prior to the transfer have been reversed without explanation and not a single identified error, questionable charge unapplied payment, etc. has been addressed. In fact BLS has not even acknowledged the problem despite 30 or so QWR 's and four CFPB complaints. In my case it 's resulted in inflated balance of somewhere around {$250000.00} over what I actually owe. With this action being so egregious, together with the thousands ( and growing ) of complaints against BLS with similar stories of BLS ' predatory servicing in your database ( and published lawsuits ), I 'd like to have the CFPB consider an investigation. They may not be as notorious as others you 've sanctioned, but they are equally destructive and devastating lives. I do hope you 'll consider this case seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: GA
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 am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2018-12-03
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
THIS IS THE SECOND TIME I AM HAVING SIMILAR ISSUES WITH WELLS FARGO, I LOVE BANKING WITH THEM BUT THEIR CONFLICT resolution/CUSTOMER SOLVING SKILLS ARE LACKING. I RECENTLY TRAVELED TO XXXX DUE TO LOSING MY GRANDFATHER, WHILE THERE, I COULDN'T NOT CONTACT THE OUT-OF-COUNTRY CUSTOMER SERVICE NUMBER THEY PROVIDED, I COULD NOT SPEAK WITH AN AGENT. I WAS LEFT TO DEAL WITH THE ISSUES AT HAND. I WAS CHARGED ATM FEES INTERNATIONAL AND WELLS FARGO ( NOT A BIG ISSUE ). WHILE THERE I RECEIVED A PROVISIONAL CREDIT DUE TO GETTING A DEPOSIT OF CHILD TAX CREDIT. NOW, I LIKE THE IDEA BUT THE ISSUE IS I WAS NOT INFORMED PRIOR, MY BALANCE HAD INCREASED, WHILE IN XXXX I WAS TRYING TO CONTACT WELLS FARGO TO SEE WHY MY BALANCE WAS SO HIGH BUT I COULD NOT REACH AN AGENT. WHEN I GOT BACK, I RECEIVED A LETTER AFTER THE CREDIT HAD BEEN APPLIED AND WAS BEING TOLD THE MONEY WOULD BE TAKEN OUT OF MY ACCOUNT AFTER 60 DAYS. WE ARE IN A PANDEMIC, YOU CAN'T JUST GIVE CREDITS AND EXPECT CUSTOMERS TO PAY, WHAT IF I LOSE MY JOB? WHAT IF MY FINANCIAL STATUS CHANGES? THE IDEA IS GREAT BUT COMMUNICATE WITH CONSUMERS PRIOR, AGAIN WE ARE IN A PANDEMIC!! ALSO, I WAS TOL ID GET AN OVERDRAFT REVISION OF XXXX DOLLARS I RECEIVED XXXX, EVERY TIME I CALL TO INQUIRE ABOUT FEES I AM ASKED TO STOP OVERDRAFT PROTECTION, WHY? I AM NOT OFFERED A SOLUTION BUT TO TUEN OFF OVERDRAFT PROTECTION. I DON'T MIND PAYING FEES WHEN THEY ARE REASONABLE NOT WHEN WELLS FARGO DECIDES TO CHARGE NONSENSICAL FEES. I LOVE BANKING WITH THEM BUT THE SERVICE NEEDS MAJOR IMPROVEMENT ESPECIALLY DURING THESE TIMES. THEY NEED TO COMMUNICATE BETTER AND OFFER SERVICES THAT WILL FIT CONSUMER NEEDS.

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 2017-03-10
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017 Jefferson Capital System cashed a check in the amount of {$10.00} as a result of an agreement to update their account to the original creditor as paid in full and remove their account from the three credit bureaus. This was not done per the agreement and the bureaus are still reporting a balance of {$240.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: Equitable Acceptance Corp
State: UT
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:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/XXXX- XX/XX/XXXX and I have NEVER been late. XXXX acceptance made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: GA
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 mailed a request for Equifax to pay arbitration fees on XX/XX/2022 however, Equifax has not responded my my request. I have attached my request to this complaint.

Company response to consumer: Closed with explanation