BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-21
Company: Account Control Technology, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
O
n Frida y XX/XX/XXXX i was contacted by Account Control Technology about 3 outstanding student loans. I explained that I was in the process of consolidating all of my loans through XXXX and that I needed additional information in order to add these loans to the account. after giving me a hard time supplying the requested information, they provided me with the account numbers and the amounts of the loans ( total since they said they were unable to give me a breakdown ) I contacted XXXX about adding these 3 loans to the existing account and they emailed me a form and explained it will take a few weeks.
Today, XX/XX/XXXX i received another call from Account Control Technology. ( every time they call, they call from a local number and the line stays quiet, i have to call back only to find out who they are. If i never called back i would have never known who they are yet they can consider this a " contact '' on their records. ) On todays call i explained to the guy who answered that I had already spoken to them just this past Friday and that I already contacted the company which is doing my consolidation loan and provided them the info. I asked that they give me 2 weeks and to please refrain from calling till then. If by that time they have not resolved I would be happy to make arrangements in the meantime. The guy replied " your account is already placed for wage garnishment of 15 %, i will remove you from the call list and if we happen to have your account in 2 weeks we might be able to speak then '' i told him that there is no way they can garnish my wages without notice, there has to be a hearing or some other type of notice. he said " no ma'am, its the department of education all it takes is a flip of a switch '' I was so upset i said goodbye and hung up.
I contacted the DOE and they advised that this is not true. I explained what my intentions are and what I have done so far and she advised that what I am doing is correct and do not need to worry about this. She apologized on their behalf and notated my account.
The information that they are giving at Account Control Tech is incorrect and used to intimidate people into making payments. As per their conversation they are recording the calls.
the acct is under my SS # XXXX and the name on file is XXXX XXXX ( my married last name is XXXX ) The number they are calling me from XXXX XXXX, fl though they are in XXXX, CA. their number is XXXX the numbers that are calling me are XXXX, XXXX. my phone number they are using to reach me is 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 2022-02-03
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt originally owed to frontier communications and was passed to debt collections. Debt was due to frontier not turning off a service used at a past temporary housing situation. upon not staying at the address anymore directed frontier to stop service but unknown to me it continued to run. About a year and a half or more later I came to know of the debt as it was on my credit report. Disputed with all three bureaus and XXXX removed it but it remains on XXXX and XXXX. This debt is very old and should no longer be on my record and also I was never originally responsible for it. This derogatory report causes my credit score to be reduced and also is a negative impact when I'm reviewed by other financial companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi guys hope everything goes well! 
i have some problems with PayPal and this kind of problems happened every time i have such a big amount in my PayPal account! 
and this problem happened to me again in the XXXX of XXXX they send me email said that i wont be able to access to my account or withdraw my funds until 30 days of the limitation Email! now its more than30 days so i contact them they said they have the right to stole my money and i wont be able to have it until 180 days although they said in the Email i will have the money in only 30 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
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: Personal information incorrect

Complaint:
Equifax is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am tired of the the way my loan is being handle by Bank of america. I submitted a new modification packet since the beginning of XX/XX/XXXX and today I called to make sure they have everything in. I was told they have not received anything I got very upset because I fax my documents to three different fax numbers so this would n't happened.the specialist provided me with another fax number. I told the Agent I  have an active sale date and is urgent for Bank of america to get my documents so a new review can start. I am very frustrated that I am doing everything I can to work with Bank of america so I can be provided a resolution. But I feel Bank of america is purposely prolonging the case so my home can finally foreclosed. I am making enough to be provided an affordable trial payment. My intentions are to keep my home. I will do whatever it takes to show Bank of america I want to be current once again. The previous trial payments was completed it 's showing I am able to afford my mortgage payments. The only thing that I did n't complete was the contribution I was being asked to pay {$6000.00} to bank of america. Those were funds I dont have available and I explain all of this to my specialist and still Bank of america refused to work with me. Now I was forced to reapply, and that is what I have done.

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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. These are suspicious to me and needs to be deleted asap. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
as of XX/XX/2020 i sent a letter to XXXX, transunion, and XXXX  about inaccurate information reporting to my credit report. According to the FCRA 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 accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.

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 2022-07-06
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Tuesday XX/XX/21 the debit card came in the mail from Chase Bank. 
A checking account was opened fraudulently online in my name on XX/XX/21. 
XX/XX/21 called closest local Chase branch and reported this. Also made an appointment to close the account on XX/XX/21 at the branch located at XXXX XXXX XXXX. XXXX, PA XXXX. 
XXXX to XXXX XXXX ( Lead Associate Operations ), she took my debit card, gave me a printout of what exactly I am to do next ( call all 3 reporting agencies, record case at www.identitytheft.gov, and advised me NOT to file a police report, which was a red flag to me ) XXXXcalled main Chase corporate office, spoke to XXXX at XXXX XXXX. Found out what date the account was opened and on XX/XX/21 the account was opened with {$0.00} another transaction on XX/XX/21 was for {$150.00}. I asked for a printout of all documentation in regards to paperwork signed to open the account and a statement of the account. She could not provide me with that, she transferred me to another department. That representative would not send me a statement or any supporting documentation of the account being opened. 
XX/XX/21 filed a police report at XXXX XXXX XXXX Police Department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I did not apply for this. Can someone please take a look at this and see if it's identity theft? 

Note : This email was sent to you by Synchrony Bank, the issuer of your Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

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 2022-02-03
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: Investigation took more than 30 days

Complaint:
I send three or 5 letters requesting documents thats shows physical proof of documents showing this accounts was verified its been pass the thirty day

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 2022-07-06
Company: ARVEST BANK GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX. As part of this loan it was mutaully agreed once the principle hit 80 % of the loan or below ( see attached PMI Disclosure signed by all parties marked as exhibit A ). The PMI would be cancelled upon request and verification of the Value. ( See PMI Removal information request sheet marked as exhibit B ) and the ( Appraisal work sheet showing an appriased value of {$400000.00} thousand dollars marked as exhibit C ). Note all I needed was {$390000.00} value according to Arvest Central Mortgage inital responce. ( attached as exhibit B ). 

On XX/XX/2022 I was denied PMI removal ( see attached exhibit D ) Arvest moved the criteria without a mutual agreement. Note now they want 75 % principle. This is in best case unfair and in the worst case fraudulent and preditory in nature. I would like Arvest to honnor the agreement I made with XXXX home Mortgages as they have agreed to service the loan with the same terms and conditions. 

Please Feel free the ask for anything else you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: ClearOne Advantage, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In the date XX/XX/2019 I put some information in the credit CLEARONE like name, telephone number and fisical address to get a estimate to pay my credit debit but they use those information whitout my social security number and my permission to get a hard inquiry from my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CT
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:
EQUIFAX AND XXXX IS SHOWING AN OLD DELINQUENT ACCOUNT AND ITS IMPACTING MY CREDIT SCORE AND ALSO IS IMPACTING ME IN A NEGATIVE MANNER WHEN SEEN BY OTHER FINANCIAL AGENCIES. THIS DEBT IS OUT DATED AND ALSO BEEN PROVEN TO BE NOT MY RESPONSIBILITY ALSO HAS BEEN REMOVED BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Ive called Tranunion over 5 times in the month of XXXX on different occasions to remove a consumer statement on my credit file, each time i talked to someone, they tell me they do not see anything written in the consumer statement section. 

i told them eachtime i sign into my account or refresh my account the statement is there, they refuse to remove that statement.

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 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.

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 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 AND TRANSUNION IS SHOWING AN OLD DELINQUENT ACCOUNT AND ITS IMPACTING MY CREDIT SCORE AND ALSO IS IMPACTING ME IN A NEGATIVE MANNER WHEN SEEN BY OTHER FINANCIAL AGENCIES. THIS DEBT IS OUT DATED AND ALSO BEEN PROVEN TO BE NOT MY RESPONSIBILITY ALSO HAS BEEN REMOVED BY 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