BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, credit score XXXX, XX/XX/XXXX, credit Score listed as XXXX. Within that time period and 120 days before, there has been no negative activity reported on my account, no closed accounts, no late payments or collections, no over the limit notifications or instances. No changes whatever that would cause a drop in score, and such a significant drop at that on any of my consumer accounts reporting to Experian. 

When I reached out to Experian to resolve this issue, they stated that 1, they do not generate scores and they advised me to reach out to both FICO and a private credit counselor to explain to me why my score has dropped. Experian 's confirmed that there has been no activity to my account that would cause a drop in score but that they could do nothing about it since they only report the score, not generate the score. 

I am looking for a correction to my credit score along with an explanation as to why the chang ein score without a change to any consumer accounts.

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 2021-08-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
American express is still sending solicitations to my email XXXX. I asked for business credit card with travel benefits for my trip to california and American Express will not approve. I asked not to be contacted if American Express does not want to do business the way i asked. I filed a complaints, asked to be removed from email and mailing lists. filed a opt out with experian to include all my emails and addresses. I also filed a do not market with XXXX for all names and addresses. American Express refuses to listen to my request for a business travel card, yet keeps contacting me. I want to be left alone and i do not want to be contacted unless i am being approved for the Business Travel rewards card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Under 15 U.S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate it list the XXXX XXXX court as the furnisher thats forgery and misleading when the courts dont report this type of 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 non-monetary relief
Consumer complaint received 2021-08-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I mailed to Credit Bureaus a letter disputing inaccurate information on my credit report over a 2 months ago and in response I received a letter from Bureau stating the ID I submitted was insufficient to verify my address and identity.

The identification I submitted is sufficient according to their guidelines and I demand that Bureau examine the enclosed documents more carefully this time.

The disputed items must be investigated and negative information must be removed from my credit history.

1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2022-03-12
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/22 recd notice of escrow shortage. Research to see what that means... Fine OK. I attempted to pay online as normal by paying both mortgage payments as well as the full shortage in one lump sum so my monthly payment would not increase. Can't do it online, As they have already applied the increase to my mortgage in 12 payments even though I hadn't even received the notice yet. No Way to pay the mortgage payment and the regular monthly payment as it is locked in to the increased payment now. I called XXXX says oh yeah you can do it online, so I tried again. No you can not change it. 2nd call female I'm happy to apply those payments correctly for you for {$5.00} fee. Last time I checked this is a government agency paid for by my tax dollars, you gon na charge me to fix your error? Repeatedly tried to Speak with a Supervisor but Reps place you on hold and never return. They are also increasing my payment by $ 22 monthly not {$15.00} as stated on the paperwork. This is borderline fraud. I have reported them before for Shady accounting practices, but no One ever does anything. All I want is to get it paid correctly so I don't have to call 14 times after they misapply it online. This is not rocket science, it is customer service and should not be a fee attached to That.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2022, I disputed with all three credit bureaus 5 accounts that appear on my credit reports that are not mine. These accounts are still on my reports : XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
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:
When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$180.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. 
XXXX XXXX XXXX Balance : {$8000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy.

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 2022-03-12
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Im writing this email in regards to your customer service agents. On XX/XX/XXXX I made a phone call to your service center when I realized my direct payment wasnt removed from my account. I spoke to a rep and gave him all my information to make a payment and to be out back on the automatic payment. 

I looked again onto to my bank account and realized a payment never was taken out of my account for both XXXX and XXXX. Why? So I called your customer service center again and the rep then told me my mortgage switched to another lender. The kicker to this is my mortgage was switched Prior to my first original phone call. So now if begs the question why did the rep take all my bank account information and process a payment? Why didnt the original rep tell me this? I am now 35 days delinquent over two months which I had to pay at once. Im not sure if Covid messed things up and you had to hire unethical and unqualified people in your call center. Just want to be sure that this doesnt happen to other people and would appreciate some form of response from someone higher then a customer service representative. I will be reporting this incident to the XXXX and any oversight committees that control mortgage companies.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items :

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 2016-07-30
Company: Advantage One Credit, LLC
State: MA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed XXXX from advance credit LLC of CA, but when the loan was approved that went to XXXX dollars plus more than 70 % interest plus they have my title plus they installed a tracking device on my car and the loan was consummated in XXXX, 2014 and I still owe more than XXXX, they will not respond to MA state officials or to me about interest rates and possibly working out a settlement. late fees are upwards of 35-45 dollars and its illegal to do business in MA

Company response to consumer: Untimely response
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: LA
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:
unauthorized inquiries:
Equifax Information Services LLC
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX                            XXXXXXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX       XXXX XXXX XXXX XXXXXXXX  
XXXX XXXX XXXX           XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
15 usc 1681 b ) DID I GIVE YOU PERMISSION TO FURNISH ITEMS ON MY CONSUMER REPORT!?!? NO 15 USC 1681e ( b ) & 1681i, Maximum Accuracy & Reinvestigations Do you not follow the law???? Under the law you cant contact me put this on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Since XX/XX/2021 to current I have tried to have erroneous charges reversed on my account as I informed the bank immediately of my data breech situation in which all my passwords on the World Wide Web and deep web were exposed and i further more that I was targeted as XXXX, XXXX and other online social media and platforms have informed me personally that someone gained access to my accounts based on location across seas, my XXXX XXXX was also compromised. I forwarded the bank all of my supporting back up making them aware that the police were contacted but to no avail. There is a unauthorized transfer also in made that i was not aware of and they denied the reversal of this along With provisional credits. To date both situations stand unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: CHARLES SCHWAB CORPORATION, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today Monday XX/XX/2023 I sent 2 wire transfers from my connected brokerage account ending XXXX to XXXX XXXX XXXXXXXX ( see attachments ) A few hours later I went to log into my Schwab account and noticed it was locked. It said to call customer service. I called and they said I must wait up to 24 hours for it to be unlocked after I answered all verification questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2017-05-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX   XXXX   - received pre-approval for the amount of $  XXXX  from  Citizens Bank   board a mortgage we wished to purchase. Th e Purchase price of th e house was $  XXXX  ; we were paying the balance in cash.       XXXX   XXXX   - entered  P & S o n house for amount above putting down $  XXXX  earnest money. Began formal application process with  Citizens Ba nk for $  XXXX . Closing date was   XXXX   XXXX   XXXX  .       XXXX   XXXX   XXXX   - supplied information to  Citizens Bank  as requested, but requests become more difficult to furnish and understand as they required explanations that were never satisfactory though we were not informed what the issue was.       XXXX   XXXX   XXXX   -  Citizens Bank d id not meet its commitment to issue the loan causing us to lose our $  XXXX  earnest money.     Evidence of assets, sufficient availability of cash for closing and wherewithal to make mortgage payments were furnished.       XXXX   XXXX   XXXX   - received via  USPS  a Statement of Credit Denial, stating we were denied the loan due to " Insufficient Assets or Cash ''.     Note we had both sufficient funds and cash to close the deal, which has been attested to by our realtor, personal banker and attorney.     Note :  First of all th e credit was not denied. We never received any credit denial notice. In fact, after the closing date had past, they continued to try to extend us credit.     Second, there was no insufficiency of cash. We had ample cash resources to close without the loan.     Third, the statements are false and clearly negative and will raise questions for any future loan transaction. Insurers also check my credit and set rates accordingly and could increase rates for such things as lack of cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
received a call the persons relayed they were from " EXPERIAN '' and relayed that two people had tried to apply for credit cards in my name -- had all my info on the credit cards I, have what I, owed everything -- tried to contact " '' EXPERIAN '' '' with no response was given XXXX different numbers still -- the message was we can only forward call on a limited basis this is a total disgrace for a bureau they should not even be in business of reporting if the customer are unable to reach them in an emergency -- -this call was " '' FRAUD '' '' pure and simple and " '' EXPERIAN XXXX failed to respond in an " '' EMERGENCY '' ''

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 2017-05-08
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Numerous requests t o PNC to stop sending credit card offers in the mail have failed. Was assured by PNC that I will  not receive offers to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX XXXX XXXX Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Incorrect fees charged to my acct at times the fees would cause my acct to be in over draft I would like for all money taken in error to be refunded and I also would like to be compensated for the matter and the problems it caused both financially and personally

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 2021-08-01
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to get loan forgiveness on my student loans under PSLF/TEPSLF. I have been working on this since last XXXX, having submitted paperwork at least 3 times. The summary shows that I've made more than 120 payments on each of my loans, but I was not in a qualifying plan for PSLF. That placed me in the TEPSLF program. The latest communication prior to this week ( XX/XX/2021 ) asked for my tax info, in order to meet the requirements for making payments at least as high as the income-based category. I had always made payments at least as my billing statements indicated prior to this communication, but have increased it to $ XXXX/month, based on this. With the COVID loan suspension, plus my resumed payments, I have over 12 months of payments, based on this newly discovered criteria. 

I spoked to someone on t he phone last week ( XXXX  ), who said that everything looked good, and he would elevate my package, but asked me to submit another application ( which I did ). Now it says that there is an arror in my letter that states my employment end date is before my start date. The application does not show an end date at all, and the stiff working there box is checked. Clearly THEY DID NOT EVEN READ THE APPLICATION! 

I am really about at my wit 's end over this. I am expected to be perfect in my job, but I can't even expect average service in my dealings this the loan servicer.

Company response to consumer: Closed with explanation