BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: RockLoans Holdings LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was working with Rocket Mortgage to get a cash our refi to payoff some credit card debt. My credit score wasn't high enough even though I pay all my bills on time. They said that since some credit cards are at or near the limit my score was too low. They referred me to someone that was supposed to help me increase my score enough to continue with the refi. The said someone would call me to help. I received a call from XXXX XXXX. I thought he was with Rocket Mortgage, but he is with another company called XXXX XXXX XXXX. However his email is XXXX. He told me that if I applied for a loan with Rocket Loans and pay off two of my current loans, my score would increase enough to do the refi. The plan was then to payoff credit cards and the loan obtained by Rocket Mortgage. I was approved, obtained the loan, and paid the credit card and line of credit he suggested. However this did not increase my score at all. I was charged a fee of {$290.00} by Rocket Loans. I have a higher interest rate and higher payment than on the other two loans. So the only one that benefitted from the transaction was Rocket loans. The get the fee and the interest and I suspect XXXX XXXX will get some kind of incentive the referral for loan. This did not benefit me at all. In fact, I am in a worse financial position than I was before the transaction. I feel that Rocket Loans is pushing people to obtain loans from them just to generate revenue their company. It doesn't benefit the consumer at all. This should be further investigated to see how many they have promised an improved credit score when obtaining a loan from Rocket Loans and then this ends up not helping at all. It's just a revenue generating scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: GA
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:
Sent out serval supporting documents for the credit bureau and the third parties to do and proper investigation and they refuses to update me on documents of their investigation.

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 2023-03-05
Company: Experian Information Solutions Inc.
State: GA
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 accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX -- I do not remember being late on this account because I always pay on time. 

XXXX XXXX XXXX XXXXXXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXX XXXX XXXX XX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 -- - UNAUTHORIZED INQUIRY. PLEASE DELETE! 


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 non-monetary relief
Consumer complaint received 2023-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XX/XX/2022 I applied for a balance transfer from XXXX to Capital One. XXXX sent a check with not enough account numbers on it. The check was returned to XXXX from Capital One. During the months of trying to find the check there were 11 cases opened. In XX/XX/2022 I was told that I would not have any additional activity on my Capital One account and that I still owed the {$4600.00}. I agreed with this and paid this on XX/XX/XXXX I paid {$4500.00} from my checking account as a wire payment. It shows receipt on my statement. On XX/XX/XXXX, Capital One recharged me again the {$4600.00} which has already been paid from the XX/XX/XXXX payment. I have called Capital One over 20 times in the last six months to get this fixed. The most latest call was XX/XX/XXXX and I spoke to two different people and the call lasted over one and a half hours. They told me they would look into this and would get back to me in 7-10 days. Now today, I called and they say they have no record of this call and had to start the process all over today with me making the claim. This has continued over and over again the last six months. I would like this charge of {$460000.00} reversed so I can get on with my life. This has gone on too long without resolution. I can't even get the same person to call me back and I have to start all over explaining the situation with every call I make. Many times I call and they disconnect me so I have to call again and start all over explaining the situation. This needs to be resolved please. Thank you. XXXX XXXX XXXX. This complaint is against Capital One Credit Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX is reporting 3 loans each as late twice to all credit bureaus. 
90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX XXXX Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX XXXX placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Reporting wrongly information I have told them over and over again.

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 2023-07-31
Company: DEBT 0, INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sign a debt negotiation agreement with XXXX XXXX XXXX/ and the XXXX  program, debt resolution in XX/XX/XXXXXXXX  and pay a monthly payment for 14 months ending in XX/XX/XXXXXXXX  for the settlement of 4 credit card debts, one of them It was XXXX  XXXX XXXX. 
The negotiator made an agreement with the bank in XX/XX/XXXXXXXX  of 4 payments, the last payment should be on XX/XX/XXXX and they made it on XX/XX/XXXX, late payment invalidated and made the agreement down according to a document issued by the bank and from the which I received a copy via email. 8 months later the negotiator does not respond to me and to date I have a current debt with XXXX  XXXX XXXX that continues to affect my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: SYNCHRONY FINANCIAL
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:
The bank is Synchrony, this is the 4th credit card Ive had through them ( They seem to have taken over credit solutions from a number of smaller banks ). Synchrony Bank has caused my credit score to plummet by cutting my credit limits down to whatever the owed amount is on the card ( 29 % credit usage to 94 % usage ). 

Synchronys justification is that based on their computer modeling, I may miss a credit card payment one day. This is absolutely ridiculous and through searching online I see that this is a common practice even with customers with no credit utilization their accounts. Synchrony alone has caused my credit score to drop by XXXX points over the last 6 months due to their what might happen one day practices.

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 2022-10-25
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Last XX/XX/2021 I became very sick with XXXX followed by each son. In the mean time I was changing Home owners insurance and had received a refund check that I was attempting to send in to be applied to my account. During this time I had written down the address where to send that check and accidentally sent my mortgage payment there also where it sat and sat. I called multiple times and the person that I spoke with told me that it was finally sent to the correct department and that it would be notated on my account and would not be marked late and also stated it wouldnt be sent updated on my credit report because you dont report there. I had also requested Cares act help to get all of the confusion situated and was told no because i was in XXXX XXXXXXXX which was 100 % incorrect and a flat out lie. I am seeing they just have zero compassion, enjoy watching the struggle, enjoy being very rude to their customers. It's actually pretty sad. They enjoy that power trip. Every time i spoke with them they stated they were putting notes in the system and it wouldn't be marked late. 


I am currently trying to get a line of credit to pay of my XXXX XXXX now that I am in a better place so I can move on with things and help my oldest with college tuitions but I need a 12 month on time payment history and my statements are showing late payments even though the CSR I spoke to today did say that there were vague notes in the system its not his fault it was sent to the wrong address. I also at one point had called in my payment and it was never processed although it also showed in the notes when I had originally called to make payment he never finished the transaction and foolishly I didnt ask for a confirmation number. 

You would think i was asking for them to take XXXX of dollars off of my loan. I am asking for some errors in late payments be fixed so this will not affect me negatively while I am working to get myself back on track. 

It is a shame what big cooperation 's have become with with their rude minions on the other end of the phone.

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 2023-09-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
First of all we all know when a business uses the term Mr. it is just a big front. Also, I know we can all agree, all across the nation, how I am an irresponsible, scatter brain, no it all, but I have said it before and I will say it again I did not receive the first two pages of the You call that a car loan credit application Another thing why do the copies that were just sent by this bank, not have Dealer Track XXXX, Dealer Track XXXX and Dealer Track XXXX on them, like the ones I receive from The Office of Attorney General of California? I am willing to swear under oath to find the truths in all of my XXXX of letters sent across the nation about what happened at XXXX XXXX XXXX XXXX on XX/XX/2023. Are the parties involved at the dealership willing to do the same. Probably not? Because they are all XXXX, I have enclosed XXXX documents that shows who the liar is who had inappropriate things on their mind. 
Dear Consumer Financial Protection Bureau I XXXX XXXX XXXX assert my XXXX amendment privileges which are freedom of speech and expression of what one believes.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked Experian credit to stop contacting me regarding an unauthorized attachment to my email address to someone else 's account. They still continue to email my daily business even after multiple attempts to have it stopped

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 2023-09-15
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 creditor 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
IN XX/XX/2023 I OPENED A CHECKING AND SAVINGS ACCOUNT UP ONLINE. I WAS GIVEN A CHECKING AND SAVINGS ACCOUNT NUMBER. A WEEK LATER I RECIEVED A LETTER INFORMING ME THAT MY ACCOUNT HAD BEEN CLOSED. WHEN I CALLED HE NUMBER ON THE LETTER I WAS TOLD IT WAS BECAUSE I HAD NO ADDED FUNDS. I OLD THEM IT HAD ONLY BEEN A WEEK. THEY REFUSED O CONFRIM HE REASON AT THAT TIME. I THEN WENT TO A LOCAL BRANCH TWO WEEKS AGO AND I WAS GIVEN M OLD ACCOUNT INFORMAION. AT TTHE BOTTOM OF M ACCOUNTS IT SAID FRAUD. I SHOWED THE BRANCH MANAGER MY ID 'S TO VERIFY MYSELF. I THEN RECEICED A CALL FROM A XXXX IN THEIR RETAIL DEPT AND SHE TOLD ME PNC DID NOT WANT TO DO BUSINESS WITH ME. I THEN RECEIVED A CALL FROM A PAIGE VIS EMAIL AND PHONE CALL LAST WEEK. SHE XXXX HAS NOT RETURNED MY CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: EMCC Holdings, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
on XX/XX/ 2019 I contacted XXXX XXXX  to clear up and installment loan that was acquired by XXXX XXXX. I paid XXXX dollars with a debit card, this payment has cleared the bank. when i made this payment my account read on my credit bureau that the original loan was for XXXX and my balance was XXXX, and that i was late XXXX dollars, now i paid XXXX, the next week the credit file had been update by them to show i was past due XXXX! after i just made the payment, that same week XXXX XXXX sends me a bill saying i owe XXXX for past due fees a monthly bill of XXXX for a total of XXXX not due til XXXX OF THIS YEAR?!. we called XXXX to see what was going on and you cant get any one on the phone so we called XXXX XXXX they tell us they didn't use the money we paid to pay our late fee THAT WAS INCLUDE IN THE TOTAL AMOUNT PAST DUE OF XXXX, THEY SAID WE ( XXXX XXXX/XXXX  ) CAN APPLY IT WHEREVER WE WANT. now XXXX XXXX wont even answer my husbands calls and the credit bureau STILL is reporting wrong. So we have two bills received in the same week that totally contradict what is really going on. The bills received also has two different balances than whats even reporting to the credit bureau! so that's a total of three different balances. We've recorded all these phone calls as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I went to XXXX XXXX at XXXX XXXX XXXX in XXXX, California for a consultation. The staff member I met with proposed a service package and price. I was uncomfortable with the price and told her that I could not afford it. She responded by offering an installment payment plan through a third-party company called Greensky. I asked multiple times to confirm that it was NOT a loan product and it would NOT be attached to my personal credit. It was simply an alternative payment option to pay over time as I attended my treatment sessions. I agreed to this payment option. 

A couple weeks later the COVID pandemic began and XXXX XXXX  suspended services. I was ( and still am ) a XXXX XXXX worker working directly with XXXX XXXX  patients. When XXXX XXXX  reopened it was not safe for me to expose myself, XXXX XXXX staff, or my patients to illness for an optional cosmetic procedure. I informed them that I was suspending my service indefinitely and cancelled my appointments. They understood and did not have an issue with this. 

Greensky frequently sent me bills in the mail for these services that I was not receiving. When I would call the numbers on the bills to explain the situation, I could not get through to them. They continued to send bills for services that I was not receiving. Eventually they acknowledged my issue and established internal case number XXXX. Screenshot attached. To my knowledge I never received another update on this case, and I'm not convinced that it was given true consideration or resourcing. 

On XX/XX/XXXX they sent notice that a " temporary suspension of payment obligations on your Patient Solutions loan due to the COVID-19 pandemic '' would end on XX/XX/XXXX. Yet during this same period of XXXX - XXXX, XXXX they were actively reporting that my ( unauthorized ) payment obligations were past due to credit bureaus. I've attached screenshots documenting this. 

This month I became aware that this derogatory mark for late payments is still on my credit report, which has harmed my ability to pre-qualify for loans, increase my credit limit, and qualify for rental housing, among other issues. 

Upon researching Greensky I became aware that they have frequently engaged in nefarious business practices just like the fraud I've experienced, as documented in GREAT detail in a XX/XX/XXXX Consent Order File No. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX XXXX XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX XXXX XXXX   which does not validated a copy of bill does not substantiate deb

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation