BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: CHARLES SCHWAB CORPORATION, THE
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Charles Schwab has placed a hard inquiry on my XXXX credit report when I applied for the checking account which is not a credit card or a loan product. I did not ask Charles Schwab to extend any credit to me in any way. Lots of banks make soft inquiries on credit reports for products that does not extend consumer any credit ; however a hard inquiry was not mentioned in the terms nor was it necessary especially I did not request any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Patenaude & Felix A Professional Corporation
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In XX/XX/XXXX, my private loan held with XXXX XXXX XXXX was passed off to a debt collection agency due to me not being able to afford the expensive amount XXXX XXXX XXXX wanted all at once. 
In XXXX XXXX, I joined with a company by the name of XXXX XXXX XXXX and I was under the impression that my loan was receiving the XXXX that I was paying them a month. 
XXXX XXXX XXXX turned out to be a scan as well. 
I then reached out to XXXX XXXX XXXX and they made me aware that my loan was now in the hands of Patenaude and Felix. 
Patenaude and Felix is the company in which I would file this complaint with ; I was in communication with them before they were ever in communication with me in regards to my loan. I began talking with them XX/XX/XXXX consistently trying to negotiate an amount that would be affordable for me to pay every month. I originally thought XXXX would be affordable but after discussing with my husband what amount would be best every month, we discovered that XXXX per month is too much. I spoke with Patenaude and Felix making them aware of this and they have been very adamant that I MUST pay XXXX per month, Meanwhile, I have been concerned about the derogatory marks on the credit reports of my grandparents ( my co signers ) and have been trying to find out what to do and where to go. XXXX XXXX XXXX advised me that the attorneys and XXXX XXXX are the people to discuss payment options as well as credit reporting and all to find out that XXXX is XXXX XXXX XXXX and when I call them, they tell me that they are unable to help me. 
I am aware that this debt NEEDS to be paid and I want to pay it but I CAN NOT afford XXXX per month. I was told that I could make " good faith '' payments toward the amount owed, but it would not be reflected on the credit reports of my grandparents not myself. I was also told by either XXXX XXXX XXXX on Patenaude and Felix that my wages could be garnished as a result of not paying my debt. However, I am NOT ignoring my debt! I just cant afford the amount that is being dictated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this company is reporting information twice on my profile. It is impacting my ability to get credit .I believe it is malicious and would like it to be removed as it is it illegal to report it twice

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there have been attempts to open accounts from an address that is unknown to me in my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is not reporting all my Payment History information regarding an old credit card ( XXXX XXXX XXXX XXXX XXXX - XXXX ... ). This negative item has been in my credit report for more than 7 years, and due to lack of investigation from Experian, the item still in my report. I have submitted many disputes, but they still reporting inaccurate information ( payment history ). 
XXXX and XXXX are not reporting this account any longer because of the 7-year period. 
I submitted the last dispute to them one week ago, and they complete it in just two days. I believe they are not getting information from the credit card company. 
I need an advice of how can I handle this situation with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Report from EXPERIAN showed old ADDRESSES of supposedly where I have lived. XXXX addresses are unknown and not associated with me. Do n't know why these are shown, or if it reflects some misbehavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Disputed a public record on Experian the judgment is paid in full. Experian refuses to mark it as paid. I have sent them the paperwork online showing that the judgment is paid. Just received the copy of my credit report from Experian, and the judgment is still not marked as paid. I am a resident of New York State, and the judgment will be 5 years old in XXXX, this judgment needs to be off my report in XXXX 2016 according to the New York State 5 year rule. Below is the satisfaction of judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On or about XXXX 2014 my identity was stolen and numerous credit account were opened in my name in XXXX and XXXX. I disputed the accounts and a determination was made that I was not responsible for the accounts. The credit inquiry is still on my credit report. I did not ask for or apply for the fraudulent accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
experian re-inserted an account ( XXXX ) back into accounts that are potentially negative. Proof was sent in to experian month 's ago that this account was never paid late. It was rectified and listed under accounts that are satisfactory. Today I checked my credit report. Report # XXXX and see that it was put back in where accounts that are potentially negative. This information is completely wrong and I tried to submit a dispute but experian will not allow me to re-dispute it again. I am trying to obtain a mortgage and having wrong information on my report is affecting my credit worthiness. I am submitting this complaint for 2 reasons. 1 it should have not been re-inserted into accounts that are potentially negative and the second complaint is experian will not allow me to re-dispute this. It is my right to correct wrong information on my credit report and they are not allowing me to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had applied for an unsecured credit card through XXXX XXXX Bank. XXXX XXXX used the credit reporting agency Experian to process the credit information. I was denied credit due to the following reasons. Bankruptcy and foreclosure. I did file for and receive a chapter XXXX bankruptcy in 2014. However i am disputing the reported " foreclosure ''. I have never had a foreclosure. I pulled my credit report from Experian as well as XXXX, and XXXX and could not find any entry about a foreclosure in any of those credit agencies reports. The only thing that I can suppose is that because my morgtage was included in chapter XXXX bankruptcy protection Experian assumes that I was foreclosed on. However that 's not the case. I am current on my mortgage payments, I am listed as owner on tittle and I still physically possess the property. There is a distinct legal definition to the term " foreclosure. To meet the legal definition at a minimum the following terms must exist. The property and tittle must be awarded to the creditor through judicial action. These terms not being met ... using the term " foreclosure '' is not applicable. A mortgage simply not being reaffirmed and included in chapter XXXX bankruptcy does not meet the legal definition of the term " foreclosure '' .Reporting that my I have a foreclosure on file is patently false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. The unauthorized and fraudulent accounts and inquiries, do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2020-12-26
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About XX/XX/2020 I called the gas company and explained to them that it was not my debt and contacted the utility commission about the issue and neither said they could help. In XXXX I received a debt collection letter claiming they own the XXXX account of {$33000.00} and they are going to put a lien on my credit account unless I pay. I filed a police report and now am waiting for them to get back to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my Citibank Account Package checking and savings accounts with the {$400.00} promotion ( applied XX/XX/XXXX, pending manual review, approved & opened XX/XX/XXXX ). I deposited {$15000.00} in new-to-Citi funds on XXXX and kept them in my Savings account until XX/XX/XXXX. I met the bonus terms on XX/XX/XXXX ( 60 days after deposit ) and should have received the {$400.00} bonus on or before XX/XX/XXXX ( 90 days after meeting requirements ). 

I confirmed by phone XXXX XX/XX/XXXX that I had 30 days from XX/XX/XXXX to fund the account. Completed W-9 was mailed twice to address provided by chat on XX/XX/XXXX. I confirmed via chat : XX/XX/XXXX that {$400.00} bonus was linked with my account, XX/XX/XXXX that I should received the {$400.00} by XX/XX/XXXX, and XX/XX/XXXX that bonus should have posted & dispute XXXX opened that was supposed to be resolved in 5-7 business days but have not heard anything further nor received the {$400.00} bonus as of XX/XX/XXXX. 

Documentation of all of the above ( screenshots, emails, statements, phone call recordings, letters mailed and/or faxed, etc. ) uploaded as attachments.

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 2017-03-30
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several creditors who pulled my credit report without my permission. Experian wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Experian is also asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Experian, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditors pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Experian. I do not feel that I should have to contact creditors, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking 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 explanation
Consumer complaint received 2016-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Requested bureau remove account as it was not verified. Spoke with collection agency and was informed the account was requested to be removed however, the bureau has not removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I originally started disputing some items on my credit report on XXXX/XXXX/15. I then received a reply from Experian dated XXXX/XXXX/15 stating that they think my dispute letter was " suspicious '' and that it was not sent by me. I even sent a copy of my driver 's license and utility bill in my initial letter. What else do I need to send? I have sent them multiple letters since then to dispute my accounts again and have yet to receive any result for my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I feel we we 're mislead with the forbearance. The interest that accrued over the course of forbearance is close to {$20000.00} in 5 years. The original loan was {$58000.00}. We did not fully understand this process. During this time, we went through a bankruptcy. This is our daughter 's student loan taken out as a parent loan. We also did not realize she was not on the loan at all as the plan was for her to pay her loan. She worked in low income schools as a XXXX and was not able to get the loan discounted as it was in our names only. We would have done the original loan as a cosigner if we had been offered that option. Our complai n't is with the servicer both XXXX and Navient. The school attended was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was charged capitalized interest for being 3 weeks late verifying my income. I received just a standard " New document ready to view! '' XX/XX/XXXX. This is well before the renewal date and in no way indicated in the email any action was required on my part. 

I only went and checked verify because I was concerned I had n't received notification it was time for me to do so. While I was able to verify and lower my payment back to IBR levels I took an almost {$4000.00} hit on capitalized interest. 

This process is incredibly deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am in a five year XXXX at XXXX.I am XXXX through my thesis year. Recently, I am being harassed by my student loan provider ( Navient AKA XXXX XXXX ) to make payments IMMEDIATEY regarding XXXX of my student loans. The amount their asking is XXXX of my monthly income ( before taxes. ) They refuse to adjust the payments, saying that the payments are already " so low. '' I have requested that they apply in-school forbearance and they responded that I should have read the fine print, which says that " in-school is only 48 months. '' Dude, I was n't even legally an adult when I signed those papers. I got no warning over the summer that my payments would due soon, which is the time when I could have saved for or attempted to pick up a second job. I only get calls when they want money. They call every day, even though I am not even thirty days past due. I am actively paying tuition so that I can even graduate in the spring, and paying XXXX XXXX {$100.00} a month. I ca n't do anymore than I am already doing and still expect to get any value out of all this education. The only option that they gave me was to pay a {$100.00} fee to get a one month forbearance. 

I 'm so stuck and frustrated and they wo n't even treat me as a person. It 's like talking to a robot who only sees you as a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have had an account with PayPay for over 10 years and until recently there have been no issues. On Friday XX/XX/XXXX a payment in the amount of {$190.00} was sent to me via XXXX. Unfortunately, the funds were put on hold by Paypal for a period of 21 days based on random audit of the transaction. Both myself the sender have made several attempts to meet PayPals expectations with no success and being told that funds will not be release until XX/XX/XXXX. 

I have also provided emails communications from the seller identifying they have send the funds and don't understand why the payment is on hold ( see attachment ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later. I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress they caused me. My information was also impacted by the XXXX data breach and may have gotten 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 explanation