BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Identity was used to rent an apartment in TX. I have owned my home in XXXXXXXX XXXX for 10 years. As a result XX/XX/2023 a collection reported on my credit report from XXXX XXXX XXXX for {$2900.00} from an apartment I found to be in TX called ; XXXX XXXX at XXXX XXXXXXXX XXXX. I have never lived here, this is fraud and I tried to contact the apartment complex for " validation of debt '' they were no help and advised me to contact the credit bureaus. I sent certified mail letters to the credit bureaus XX/XX/2023 disputing the fraudulently opened account and they did nothing about it. I have had no other collection accounts on my credit file in my XXXXXXXX XXXX XXXX XXXX. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC.

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 2023-02-07
Company: Tribal Lending Enterprise, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On or about XX/XX/2023, I submitted a loan request and it was received and processed by Ascendloans.com. It was approved and funding would be complete by XX/XX/2023. I noticed in my final loan docs, I could not make any changes, only submit? 
Once submitted, I went through to print my docs and discovered Ascend had my routing number incorrect? I immediately contacted Customer Support and spoke with a Rep, who stated not to worry, once the Loan rejected for incorrect routing, they could resubmit again. Only XX/XX/2023, I noticed my online Ascend account, my loan was funded? I first contacted my old banking institution and confirmed the loan did attempt, but was rejected back to Ascend. I contacted Ascend and spoke with another Rep " XXXX '' who stated he could walk through resubmitting my information. A few minutes later, " XXXX '' stated the loan rejected? He said I would receive documentation shortly. The rest of submitted documents explain the process and timeline that reflects Ascend LIED about the rejection letters and a then, once I submitted a complaint to the XXXX, they sent a Adverse Action stating they only rejected my loan, stating my " Bank was not compatible ''? I want me FUNDS as I was approved for immediately!

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 2023-07-26
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX has said they will adjust the late payment on my credit report and it is not being removed

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 2023-08-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX I filed complaint # : XXXX Against AES ( American Education Services XXXX for not granting him a deferment. They responded promptly and gave this student a deferment until XX/XX/XXXX under account number, XXXX. 
The problem is, this student is still in school, and his updated Expected Date of Graduation : XX/XX/XXXX ( about 2 years away ), and AES is unwilling to extend the date of deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-16
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received XXXX dollars from my step-father to purchase tires for my car. Hours later, I was notified via email that my account was suspended. In this email, they asked that I take a picture of a form of ID. I used my drivers license, took a picture front and back and submitted it. Seeing it was still suspended this morning, I also noticed that in their settings : Identity Verification section, it says you are verified!

I spoke to someone in their chat with us service who then informed me that I would have to wait XXXX days for the specialist to clear this issue. Obviously irate, I then called them. I was on hold for XXXX minutes, then the employee told me the same exact thing the chat employee said to me already. I researched online that venmo does this ; often. Which is how I got here. I have screen shots, and emails of all of it. 

I am not a rich person at all, matter of fact I am in a disgusting financial situation, all for getting injured at work. The woman on the phone was rude, scoffed at me, and Im not one to make complaints. But that XXXX dollars is the difference between me getting new tires for an inspection sticker, or risking getting pulled over and fined. 

They have NO reason to suspend my account due to my identification. I have screen shots of everything I am claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. I have contact all three credit bureaus ( XXXX, XXXX, and Experian ) about a number of accounts. The first contact, I was advised they verified the account and they provided no proof of how these accounts were verified. The following XXXX letters ( XXXX, XXXX, and XXXX ) I requested for proof of what they used to verify these accounts and they have failed to comply with that request. They all have sent the same computer generated response and that was that the accounts were verified. I do not believe these accounts were mine because I have contacted the original creditors and they advise they didnt have any information. So I am now asking the CFPB to assist me with getting this resolved since the bureaus arent willing to help. 

The accounts in question are : XXXXXXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX Account # XXXX XXXX Account # XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told XXXX, XXXX, Equifax to reinvestigate these accounts ; Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However they stated everything was complete and accurate. But how is that possible if open date, dateof last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 section 602 A. States I have the right privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 15 U.S.C. 1681c, ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case.r

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was frozen due to suspicious activity. I confirmed the activity as I was traveling and it was me. Then they reviewed and deactivated my account with a balance of {$1400.00}. Now I am not being allowed to login.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion is reporting an account that keeps appearing on my credit report that account The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$580.00} dollars, this account has appeared on my credit report, Multiple time, this Collection is old and keep reappearing and never go away.

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 2023-12-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-11-16
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. 
The inquires are : XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2016-07-14
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has kept my excess escrow from 2015. They still are charging my account an escrow fee even though I 've paid the taxes and insurance directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I appreciate the response to my original complaint : XXXX. I agree with everything in Mr. Cooper 's response ( attached for reference ) except the most critical point of my complaint and problem. Regarding the HAMP Tier II modification that was approved : 1. When I received the final modification package, the signature page included signing blocks for both me and my ex-wife. 2. I immediately called my  dedicated loan specialisXXXX, XXXX XXXX, and was specifically told that both signatures were required. I was working with a lawyer at the time and he was also told the same thing. I was unaware of HAMP Supplemental 09-01, XX/XX/2009 at the time. The Supplemental states " If a borrower or co-borrower are divorced and the property has been transferred to one spouse in the divorce decree, the spouse who no longer has an interest in the property is not required to execute the HAMP documents. '' Mr. Cooper had the divorce decree as well as the Quit Claim Deed that  clearly complied with the above language. Being told my ex-wife had to sign was clearly illegal. I have nothing in writing stating what I was told, but why would I make 5 trial payments if I didn't want to sign the modification. I am humbly requesting that the modification be reinstated. Or, if this is not possible, I request that similar terms be applied to resolve the current situation. I understand that the HAMP guidelines have  expired, however, I am hoping someone can apply some logic to this situation so I can avoid losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: PNC Bank N.A.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I contracted to get a loan with PNC through a dealership and my first payment was due XX/XX/2023. I log into the website XX/XX/2023 and request that my personal banks information be linked to my account. The bank notified me their processing time would be longer than I had to make a timely payment - thats easy, I make the payment over the phone. 

On XX/XX/2023, I received an email from PNC including my name, my banks name, my bank account number, the character of my bank account, and several other key data points in an unsecured, unencrypted email. I recognized this as enough information to compromise my identity and have incessantly reached out to PNC for resolution, and they done very little to nothing in the last XXXX business days. 
I confirmed with them that this is not their standard business practice. 
I confirmed the origin of the email is PNC - meaning it isnt a phishing attempt. 
I confirmed that it is their policy to redact account numbers in electronic communication. They simply did not and couldnt explain why this incident was different. 
The only thing they have done in XXXX Business Days is continue to escalate the matter internally, while my information continues to be compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
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:
THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative. Please remove the late markings ASAP.

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 2022-10-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged overdraft fees on top of more overdraft fees. My account has recently closed due to tremendous fees accumulated.

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 2023-08-18
Company: EQUIFAX, INC.
State: MD
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:
This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt.

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent.

I urgently request the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief