BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had a lender try and pull my credit report for three weeks now. Every time they pull it come back with repository system error from Equifax. I have called in over 20 times about this, staying on hold at least two hours each time. I have been refused a supervisor and told it was my fault. I have been hung up on when someone refuses to help. I have also been told they refuse to escalate the situation because nothing is wrong. When I finally got the speciality department they told me they are the problem but would have to call me back in 24-48 hrs. I did not receive one call. When I returned the call to find out why the representative told me nothing is wrong and they refused to escalate the situation. This is the worst customer service I have ever dealt with. I speak to reps giving fake names and refuse to get supervisors each time when they clearly cant fix the issue. One rep lied and said she couldnt pull my file, then when I asked to speak to supervisor she then said she would pull it. I refused. Finally got supervisor after an hour wait and they pulled it but then hung up on me again. This has happened to me before when my file was mixed with someone elses and I had fraud. I tell them that and they act like I dont know what Im talking about. This is for a mortgage and creating issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During Covid 19 pandemic in 2020. I asked for assistance to defer payments to my mortgage because I was struggling to find work to support my family. The mortgage company offered to help- I had no payments due for about a year and a half. At the end of the assistance- I was told I could modify my loan. I really feel I was mislead and falsely informed by the mortgage company representative. I was 12 years into my loan and when they modified it they put it back to 30 years and they added aprox XXXX to my loan. I have no idea how this amount could be correct. I was shocked. I have tryed asking the right questions but no one can give me a clear simple answer. I was 100 % thinking that my loan was deferred- meaning just stop payments and resume when I find stable work. But they clearly didnt explain that to me. If you look on XXXX my home says I should owe aprox {$100000.00}. I am asking for them to retroactively approve this for my loan because what they tryed doing is wrong and not helpful to a family during a worldwide pandemic that needed assistance to keep their family safe in a home. I appreciate your thoughts and support.

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 2017-09-20
Company: ID Analytics, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the XXXX credit XXXX, XXXX, XXXX. I talk to them aroundXX/XX/XXXX-XX/XX/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 2023-01-01
Company: ALLY FINANCIAL INC.
State: VA
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:
Privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I attempted to use my card and it was declined. I contacted the bank and was told that the card was closed by the bank. When I asked them why they cited vague reasons caused by some sort of system glitch. I had never missed a payment and had just paid off my balance on the card. I believe the card was closed because I pay my bill and the company only wants to keep accounts that pay high interest rates. They punished me for paying my bill. Because of this account closure I have lost access to my rewards dollars that I earned in good faith. The bank was Synchrony Bank.

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 2023-06-10
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have an account with XXXX its a branch off of netspend.They will not give me access to my account and when I call they say the account is closed. But when I go to log in to the app it says contact support to regain access. And when I call and put in my social it pulls up account so the account obviously isn't closed. It's been over a year of calling them and to no avail am I able to get through to anyone to actually help me. I sent them the ID documents they requested. They also will not send me a statement of the account before it was closed.

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 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
During the month of XXXX, I canceled my subscription to credit monitoring with Transunion, which was {$20.00} per month. In retaliation, Transunion reduced my credit score by 89 points, from XXXX on XX/XX/2018 to XXXX on XX/XX/2018. During this time, I had no inquiries or new accounts opened, the credit use percentage on my credit cards only fluctuated about 2 points, between 22 % and 24 %, and I actually paid down about {$40000.00} in long term debt. I contacted Transunion to discuss why they reduced my credit score by 89 points in 1 month, and they refused to talk with me. I contacted the dispute department, and they refused to file any dispute for me. Both departments I spoke with only gave me the option to reinstate the {$20.00} per month credit monitoring service, and only after paying for the service would they be willing to help me. This is blatant extortion and fraud on the part of Transunion, and clearly a violation of the FCRA.

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 2022-05-17
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
BRCLYSBANKDE XXXX XXXX XXXX 
XXXX XX/XX/22 RE. We have disputed 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 2019-03-28
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo recently reported to the 3 credit bureaus that our Home Equity Loan had multiple late payments. This has prevented the automatic underwriting process from being able to qualify us for a new mortgage. We presented evidence from our checking accounts that each and every month during the period where the late payments were claimed were in fact made. We submitted the evidence and the response from Wells Fargo was a 200 page document dump that did not relate to the Home Equity account, but a credit account which is closed. Wells Fargo indicated in their letter and document dump that they had reviewed the account and had made the correct reporting of derogatory information. This response is not factually or legally correct. 

The company we are working with to secure a mortgage have reached out to XXXX, XXXX/XXXX, XXXX/XXXX and they have received the evidence and have refused to make the requested changes as well.

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: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Hello my name is XXXX XXXX XXXX  These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX  Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX  IL 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 2021-06-01
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I went to log into my Coinbase account and there was no verification code sent which essentially locked me out of the account. When I made them aware of the situation they locked my account which basically I cant get in anymore this them denying me access to my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I send this letter to file a complaint and to inform you that PNC Bank and their investors are in the process of rejecting my attempt to have a short sale of my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. My current economics simply do not allow me to pay this mortgage and a short sale is my most logical option for me to financially get back on my feet. I have asked PNC Bank what else do I need to do or prove to receive financial assistance in the form of a short sale and they choose not to pay attention to the facts and details that have brought me to this moment. I was told by my former employer of 13 years that I was going to be terminated at the end of 2016 and I scrambled for several months to find a job I was qualified for which happened to be more then 100 miles away from my home in XXXX. By moving and taking this new employment in north XXXX, I also accepted a pay reduction that will come out to nearly {$30000.00} less annually than what I made previous years. A comparison of past pay stubs will support this. I have a rental property that is operating at a negative cash flow rate, which is another major contributor to my economic troubles and is also a candidate for short sale/foreclosure. Im also in the process of recovering from a failed business attempt to open a pharmacy. Previously I had marked a XXXX XXXX Money Market account as a personal retirement / investment account which at one point had over {$85000.00} in it and it is now reduced to nearly {$15000.00} which will be reduced even further to pay off other debts associated to this failed business opportunity. Based upon all these factors, is there still no way to approve this short sale or at least have me pay forward a penalty so I can come to a settlement with PNC? PNC Bank refuses at this moment to listen to my requests and has decided to list my home for foreclosure on XX/XX/XXXXof this year. Please help me. Review my file with PNC Bank and please help me come to a resolution where I may avoid foreclosure and financial ruin to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: State Collection Service, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company never provided details of the alleged debt when requested I have disputed this debt which I do not owe, I am an employee of XXXX XXXX and this should have never become a collection matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Tn. XXXX You are in direct violation of The Fair Credit Reporting Act ( Capital One XXXX ), has violated several of my rights.

15 U.S.C. 1681 Section 604 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 21 : It also a consumer reporting the agency can not fund an account without my written instruction.

15 U.C.S. 1666B : A creditor may not treat a payment on a credit card account under and open-en consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are an indirect violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
XXXX XXXX closed my account after i lost my credit cards inXX/XX/2022. I could not log into my account and when i called i was told that i had to wait for a letter in the mail to get my balance to pay. I asked they why they closed my account they said because they could not long have a relationship with me based off their company standards. So i waited for the letter but in the mean while they were reporting me late when i was never late to begin with. I called to settle the debit with one exception that they fix the late payments. I explained what happen again and they said they would send me a letter. 2 months later i get a letter saying that i was late. I don't understand how i could be late on closed account?? does that even make sense. this is affecting my credit and i need this fixed. i have disputed several times and request verification and never get anything. 

Reporting late on XXXX XX/XX/2022 to XX/XX/XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: NJ
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:
During the year 2017 my husband was XXXXXXXX XXXX XXXXXXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as PaidChargoff on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my XXXX XXXX. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
XXXXXXXX XXXX XXXX XXXX  Can you please help me remove these charge off accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX - XX/XX/2021 These inquiries listed above were not authorized by me.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian/XXXXCredit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian/XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed - XXXX  XXXX XXXX/XXXX Inquired on XX/XX/2020 XXXX XXXX  Inquired XXXX XX/XX/2020 2020

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 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 of 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 2023-05-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo fraudulently charged my account fees and overdraft fees by not posting deposits and not properly managing account. Received letter that I would be reimbursed due to class action lawsuit. Received a check for {$5.00}. This company also applied fraudulent fees and missed payments on car loan that led to repossession.

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