BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: NC
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: OR
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:
Today, XXXX/XXXX/2020, I receive an alert that my credit score tanked by XXXX  points from a {$190.00} medical bill I somehow missed. I paid it immediately. Over a year of working diligently to get my score up, watching it slowly. CRAWL up a couple points at a time ... one mistake and it tanks XXXX points?! In XXXX I paid my ONLY debt down from {$7000.00} to {$3500.00}. My credit score went up XXXX points. I owe XXXX and it plummets by XXXX points?! This is ridiculous and a SCAM! I am at the mercy of these agencys formulas and have little to no control over how my data is used! Who is holding these agencys that make a profit off of our data accountable? When looking at the different categories on the credit score, like on time payment percentage, available credit, credit inquiries and amount of debt, I have either Good or Excellent ( higher amount of excellent than good ) in all categories and yet my score is below average? Something needs to be done and some serious REFORM needs to take place. Thank you for passing my complaint ( rant ) on to anyone who will read it. # XXXXbyEquifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
PNC has blocked access to XXXX, which allows me to transfer funds in and out of my account. Its extremely inconvenient and I will have to switch banks because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hello, I have XXXX XXXX XXXX from Barclays bank. I filed for dispute with XXXX XXXX transaction for {$140.00}. Case # XXXX in XX/XX/2020. 
XXXX XXXX subsidy XXXX XXXX sold tickets in XX/XX/2020 with term that allowed 50 % refund for ticket price and 100 % for additional service ( seats and baggage ). They canceled flight in XXXX and I requested refund. Refund was denied base on new term by airline : " refund will be available 60 days after company resume normal operation ''. 
After that I asked credit card to start dispute base on original term. It must be XXXX Euros. 
Credit card open dispute and on XX/XX/2020 they send letter that credit could not be issue without supportive documents. I got letter one week later and contact credit card about the way of sending  information. Credit card dispute page not providing this option. 
During my phone conversation with Customer Service, I was told that dispute closed and Dispute department work like " on call service ''. 
I sent regular mail with documentation for review. It was delivered on XX/XX/2020. On XX/XX/XXXX credit card denied dispute and issue credit. They recommended to resubmit request before XX/XX/2020. This is day of my flight. I called to them on XX/XX/2020 and was told that dispute closed again. 
Still, no Dispute Department personal available and i have to refile again. 
None of the letter state that dispute was closed. 
This is complete fail by credit card to follow their term and condition for dispute, denying service that they have to provide and protect customers.

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 2018-09-26
Company: Financial Recovery Services, 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:
On XX/XX/XXXX I sent XXXX XXXXXXXX XXXX/ XXXX  an identity theft letter from Federal Trade Commission stating I was a victim of identity theft and for them to take action in removing the charges and negative work on my credit file.The company sent me a letter back stating they denial my claim because payments were made on this account from the time the account was opened on XX/XX/XXXX up until XX/XX/XXXX, so they claim I am liable for the remaining charge of {$480.00}. Also, the company move my account to Financial Recovery Inc., who is now serving this account. I did not make those payments and further investigation need to be made with this claim. During the time this account was open and the payments were being made, I was a XXXX XXXX XXXX in XXXX, Alabama and I did not have a job or no source of income to make those payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: DE
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:
My credit was pulled by XXXX XXXX back on XX/XX/XXXX ( unbeknownst to me ) by XXXX XXXX XXXX  with all ( 3 ) credit bureaus. I emailed the mortgage company contact back on XX/XX/XXXX to get the inquiry removed. We've gone back and forth about the issue, but the contact at the mortgage company advised that he would request for the hard pull to be removed with all ( 3 ) credit bureaus. I don't know if it has been him dragging his feet or if it is indeed XXXX XXXX giving him the run around. In our most recent email correspondence ( dated XXXX XXXX ), he forwarded me an email from Equifax stating that they have been back up but it typically takes 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
showing late which it shouldn't be showing late payments for the account number listed below. Transunion haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A wired was made due to two man called me on the phone threatened me to send out wire. I realized this is Fraud .So I called my bank Chase within 30 mins after wire scheduled, and I asked for wire to be recalled due to fraud. They didn't do any appropriate action to recall the wire. The receipion is using same bank, chase have total control to stop the wire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear Sir, I made a payment of {$1700.00} ( paper check on bill pay ) to TD card services on XXXX ; I called TD card services on XX/XX/XXXX, the due date, to see whether they received it or not. TD card services said they did not get the check. I called my bank to know why the check was received by TD. It was found out that my account number was missing on the check. This was the 1st time I was using Bill pay from my bank. 

On XX/XX/XXXX, I asked my bank to stop on the 1st check for {$1700.00} and issue another check for the same amount {$1700.00}. This check was received by TD on XX/XX/XXXX. TD does not show show all the transactions on customers TD webpage. They need to improve the way they show transactions on customer webpage. 

Now TD card services is charging {$27.00} ( I owe to them as of today ) because I stopped the check for the amount {$1700.00} sent on XXXX. I called them to wave {$27.00} for which they are not ready to reverse. I am reporting it here. 

I have paid off all I owe to TD card and have not made any purchases since last one and XXXX months and locked the card. 

Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26
Company: CITIBANK, N.A.
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:
Citi Bank incorrectly reported a 120 day late payment on my credit report. I disputed the error. Citi Bank sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, Citi continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.

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 2023-05-19
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a {$500.00} doctor bill from XX/XX/XXXX and in XX/XX/XXXX Profesional credit service in XXXX Oregon garnished my bank account {$1200.00}. I have called the collection agency three times since asking for a breakdown of what the {$1200.00} was for. I was told to go to their website and look it up there. The website doesn't show that information. When I called back the man at PCS told me since my balance owed is now XXXX  he can't send me any information of what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in XXXX. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.

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 2020-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The Accounts on my credit report XXXX  XXXX XXXX  XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX are fraudulent account i will attach an FTC report to this complaint and a copy of my identification and a bill with my current address

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 2018-09-26
Company: Hypotec Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Transparency in their Marketing Material - Bait & Switch. 

Sent me a piece of mail on XX/XX/XXXX with the caption - Escrow Refund Benefit Allotment Notice. 

I assumed my escrow had extra funds in it and i was going to get a check back from them. It tells me about " Your Economic Benefit '' and that this is a VA-1211 Benefit Allotment Notice. 

It tells me that my new payment has been calculated to {$1300.00} and that i needed to call them to reserve this figure. 

Then in big black letters it tells me i have an " EST. ESCROW REFUND AMOUNT : {$3200.00} ''. 

So i call the number to see what's up, no one picks up - so i hang up and within 30s i get a text from a guy named XXXX XXXX NMLS 237073 ( only reason i know this is because he took a picture of his business card and texted it to me ).

While i was reading his text, i look back over the mailer because something didn't seem right and started reading the super small fine print, which was a whole 3 lines ... and it tells me that they this is not a refund of any sort, but that they would  change my loan to a 2.75 % 3 year ARM ... XXXX would i want an Adjustable loan? I have a 25yr Fixed rate loan at 4.25 % ... and XXXX would they tell me I have an Refund but then turn around and try to refinance me? 

Companies like this who blatantly target veterans should be taken out back and put down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXX XXXX SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?

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 2021-04-27
Company: Paypal Holdings, Inc
State: NJ
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 remember i could file a report on here as i feel as their 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 2021-04-27
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:
I disputed it some account XX/XX/XXXX didnt got a response I disputed again the same account but since XX/XX/XXXX I have collection an bankruptcy in affecting my credit I ask for debt verify they didnt.respond I need to fix this asp thank you

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 2018-03-09
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is currently serviced by Selene Finance. From XX/XX/XXXX to XX/XX/XXXX, Selene collected over {$30000.00} from the Indianas Hardest Hit Fund. This program is governed by the Indiana Housing and Community Development Authority, with original funding coming from US Department of Housing and Urban Development ( HUD ). HUD established these programs to offer mortgage assistance to unemployed workers, so they could avoid foreclosure. All funds distributed through this program are the product of US Treasury Funds, essentially taxpayer contribution. 
The accounting records that have been provided by Selene are incomplete, since the entire payment history is missing to show application of the {$30000.00} Hardest Hit Funds distributed to them. Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since  they knowingly withheld information and reported false records to a Federal Government Agency ( see attached ). 

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. 

Selene is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5. Selene has imposed a foreclosure sale date on XX/XX/XXXX.  Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter. You can reach me via email at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
List of things I see wrong on my CR from Transunion name is not XXXX XXXX XXXX not employed at XXXX XXXX as a XXXX XXXX XXXX XXXX ( not an existing job title ) XXXX XXXX XXXX ( XXXX ) automotive showing Maximum Delinquency of 30 days in XX/XX/2013, according to information under public records ( chapter bankruptcy discharged ) date filed is XX/XX/2013 * Called XXXX County Bankruptcy division to ask has my personal information been reviewed for others to see they said they do not provide that information to anyone also why XXXX is view on my report ( Transunion ) and the other creditors are not list for viewing, this was placed under my bankruptcy and is showing 2 type of accounts, the.

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 2018-07-30
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or around XX/XX/2018 I received a phone call from an individual claiming to be a representative of XXXX XXXX XXXX XXXX claiming I owed them {$1000.00}. I stated that I hadnt received any written communication in reference to the alleged debt they claimed I owed and stated that I had no intention of communicating with them via telephone and to put everything in writing. I received a letter dated XX/XX/2018 stating I have a past due balance of {$1000.00} and the creditor is XXXX XXXX. Account # XXXX. 
Lets make something perfectly clear. I OWE XXXX XXXX XXXX XXXX NOTHING. Ive never heard of them or done business with them. They continue to harass me on a daily basis, calling for fake local exchanges to mask there identy. As I stated I politely asked them to cease and desist telephone communication with me but they have blatantly violated my request. I owe these parasites nothing. They havent provided me any documentation that suggests that they are a legitimate company and not some SCAMMERS out to rip off an unsuspecting person like myself.

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 2020-09-09
Company: Pacific Lending LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, I was approved for a personal loan with Pacifica Finance. They stated that the loan would be deposited, in full based on my application, by XXXX that evening. 

Since then, theyve made several inquiries to my bank and done multiple verification to ensure that, on my behalf, everything is being done correctlyon their behalf, things have been lagging severely. 

In the last few days, their employees have resorted to name calling and asking me to pay them prior to fund delivery rather than ensuring that the funds are delivered as promised with no obligation to me at all as the loan agreement has been signed as of XXXX. The only thing thats been amended in that agreement is my banking information because they inquired about verifying my debit card on my XXXX XXXX XXXX account which caused strange transactions shortly aftermy account was then flagged immediately after. 

The new account given has been verified and meets the criteria for deposit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation