BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Continental Finance Company, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/XXXX, I received a phone call at work at XXXX local time from a " local '' number. XXXX. The lady on the phone told me they have been to my house to deliver legal papers but nobody was home and I need to schedule delivery ( she told me she is a courier ). She also said she talked to my supervisor. I could either schedule delivery with her or call the office that is trying to deliver these legal documents at XXXX and give them case file XXXX and to talk to XXXX XXXX. 

I called the XXXX number. Found out it was a debt collector. They are trying to collect on a credit card debt that was past due since XXXX. The lady told me she is going to sue me and threated legal action against me. I live in California and told them this debt was past the statue of limitations and she said she never heard of this.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Transunion stated on XX/XX/2022 in their response to a dispute ending in XXXX that they would delete XXXX tradeline from a credit report. I will paste their response below. I want Transunion to follow through on what they said. 
-- -- -- -- - Company responded on XX/XX/2022 RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 

DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX, XXXX-UPDATED ( XXXX ) XXXX XXXX-DELETED ( 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 2019-04-03
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with quicken loans I'm on a fixed income for XXXX. Between XXXX and XX/XX/2018 I have four escrow analysis is because they couldn't get my taxes right they were wildly off. the first three made my mortgage payment so high I couldn't afford to make them.The mortgage company knew that there was a error in the analysis that cause this but expecting me to make the payment until they could reanalysis it. Thankfully this is all fixed before I had to make a payment on my mortgage and I ended up not falling behind. Now they lost an entire check car mortgage payment it was kind of stuff I have the paperwork showing it was cashed expecting me to still make my mortgage payment even though I have the bank records showing that they cashed the check. Expects me to make the payment until they can find the money even though I have the paperwork and all they had to do was call the bank to verify that the paperwork is real. quicken loans constantly keeps making mistakes on my loan that could cost me to foreclose on my house to default on my loan. They keep making mistakes that could put me behind on my loan or make it to where I can't afford my loan. Every time they make a mistake they expect me to pay more until they correct it even though they know they made a mistake. I sign this is predatory I feel like they're doing this so that way I am forced to foreclose on my house and the value of my home has increased so greatly in the first year of ownership that they would make 50 Grand if I were to foreclose on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-07-21
Company: DISCOVER BANK
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
For several years now, Discover Card has offered 5 % cash back from XXXX through XXXX for XXXX purchases using a Discover card. This year they seemed to have expanded it, listing " digital wallets '' as the current 5 % cash back category. XXXX is a digital wallet by definition, and since previously it was XXXX exclusively, one would think that Discover simply expanded their 5 % cash back category this year to include all digital wallets. After receiving only 1 % cash back on a Discover Card XXXX purchase earlier this month ( XXXX ), it seems that Discover is using their own definition of what a digital wallet is, instead of the generally accepted definition of a digital wallet. They are excluding XXXX from being a digital wallet, even though XXXX is definitely a digital wallet. This is very deceptive because they simply say 5 % cash back for " Gas Stations and Digital Wallets '' for XXXX through XX/XX/2023. Here is the official description of XXXX : " XXXX is a financial services company that functions primarily as a digital wallet and money transfer service. '' Thus, Discover Card is employing a deceptive promotion in excluding the longest running, best known digital wallet in existence!! And no, I have no affiliation with XXXX other than being a long time user of XXXX 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was on the front page of XXXXXXXX XXXX website, clicked on the box to apply for an XXXX XXXX credit card that shows 4x points as well as {$150.00} bonus once you spend {$500.00}. I applied, got approved, received a card. Spent the {$500.00} witin one month ( they require within 3 months but I was well within that time frame ). Called to ask where my points and bonus was and was told I didn't get the XXXX XXXX card like I had signed up for. Was told it's now a platinum card. Looked up their platinum card online and it shows the EXACT same information, 4times the points and {$150.00} sign on bonus. They are the exact same, so why am I not getting what they advdertise? Shouldn't matter what type of account they put me in EVEN though I clicked the XXXX reweards card, they offer the same sign on reward for either account when you open a new account. So somewhere they have me screwed up and no one is trying to fix a thing. I have excellent credit as well. I took pictures of their website showing the offers they are giving people to sign up for the XXXX XXXX rewards card AND the platinum card. So they advertise the information to lure you in, and don't give it to you when you earn 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 explanation
Consumer complaint received 2018-11-18
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear CFPB Representative, I was contacted on XX/XX/2018 at XXXX by PNC bank and informed of fraud on my debit card. The bank froze my debit card and issued a new card with a new number. The new card was issued under a different, real person 's identity ( valid name, DOB, SSN, etc. ) but linked to my account and funds. 

The error was found several weeks later on XX/XX/2018 when I went to a physical branch office and asked for confirmation of the card 's activation. PNC was unable to resolve the situation during the visit ( 2hrs ) and recommended that I remove funds from the account but leave it open. I was unable to remove funds due to pending payments from the account. During the visit my wife and I were able to see ( shared with us on screen ) and hear the other party 's personal information being exchanged including name, DOB, SSN, account numbers, and PNC identification numbers. 

I have no documentation of this event because it occurred within PNC 's host framework and no documents were printed or distributed to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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.

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 2023-07-21
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ACCOUNT NAME XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX NCA  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) ACCT : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to 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 written instructions.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 2023-06-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, 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:
EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised All inquiries reported was fraud said company had 4 days according to LAW to remove each item. Attorney General report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide documentation used to determine inquiry was indeed authorized by the consumer. EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature consumer is NOT as for e-oscar report if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap! SAID companies are liable under the SEC to follow certain rules. EQUIFAX XXXX File Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX I will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: AR
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 submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 explanation
Consumer complaint received 2023-03-15
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:
XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During pandemic, XXXX XXXX financial aid office did not advise students to apply for federal loans and encoursged students to sign ECSI health profession loans without clarifying the terms and conditions. This lead me to borrow XXXX $ per year for the four years I attended XXXX XXXX. Only in 2021, they made students sign electronic master promissory note that indicated this is institutional loan ( private loans ). This was XXXX $ instead of XXXX $ they offered each year. Other master promissory papers signed were expired and the school financial aid counselors did not help or clarify. They just advertised for this loan and placed on students accounts.Today, I have a total of XXXX $ XXXX loans with ECSI. ECSI customer service are not knowledgeable or trained and they are unable to clarify the loan type and deferment options. They do not give the phone to their supervisors either after I request. ECSI gave me multiple different wrong information stating my XXXX loan with them is XXXX, indirect loan and they also claim to be PRIVATE more recently and they are threatening with COLLECTION AGENCY without clarifying my loan type and my options to me. It is also very suspicious how they have federal terms apply to my loans and the use of federal forms when referring to my loan with them but all of a sudden stating they are strictly private and they threaten my academics, and my credit and etc. PLEASE KINDLY CONSIDER HELPING ME WITH ECSI. THEY ARE CAUSING ME GREAT DISTRESS THREATENING WITH COLLECTION AGENCY. THANK YOU FOR CONSIDERING HELPING ME DEAL WITH ECSI. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Texas Guaranteed
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. I was a student at the XXXX XXXX XXXX at XXXX XXXX. My students loans were transferred to Trellis Company a few years ago. Under the Cares Act, current student loans are forgiven for the time being because of Coronavirus. I reached out to XXXX asking if I could lower my interest rate because I was paying throughout the pandemic. They informed me that I do not qualify for Cares Act AND they have been charging interest on my account DAILY. Is there anyway to take action against these charges? This is unethical especially with 6.9 % of the population is unemployed ( according to the Bureau of Labor Statistics ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Dovenmuehle Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sent from Dovemuhle to XXXX bank without my notification. We had automatic payments setup and as a result when it was sold, we no longer were paying our mortgage. As we were not notified, we were not aware of the new loan, or where to make payments. This has negatively impacted our Credit Score -XXXX points. This will severely limit our ability to apply for another mortgage, get a fair interest rate, and be considered for rentals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: PA
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 applied to get a personal loan through my bank. I was declined due to bad credit. When we reviewed the credit report we saw that the company Experian had my credit report and my fathers credit report mixed up. We have the same name but different middle initials. Obviously we have different Date of Births, different SS #. I have tried with my bank multiple times to have Experian correct this but they have done nothing thus far. When I spoke to them on the phone last week they said everything had been corrected. A week later ( TODAY ) I called and they said that it took 72 hours to process. It has been a week. So it would have processed. They said that the paperwork would be at my house in 8 days. But I could go on the Experian website and print my new credit report out. When I went to do that I discovered that my credit score had dropped 200 POINTS ( IN A WEEK ). Also noticed that everything that they said they were taking off and correcting on my credit report had been unchanged and was still showing up. This is effecting my life dramatically and all I want is for them to fix this issue. Which is obviously incorrect. I was born in XX/XX/XXXX and the report says I was born in XX/XX/XXXX? I live in XXXX XX/XX/XXXX and it says I live in XXXX. Everytime I call Experian I get transferred from department to department. I always end up spending at least an hour on the phone and they never accomplish anything. I do not understand how this company is at all still reputable. Please 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