BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
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: Was not notified of investigation status or results

Complaint:
This is a very simple complaint. I am disputing accounts on my credit report that do not belong to me or I believe are erroneous. I did so well over 30 days ago and I have not received any notification from anybody. I thought I already submitted a complaint through you but for some reason I haven't received a response yet. I will chalk it up to user error but I am wanting to file this complaint again just in case. 

This goes against all three credit bureaus. My disputes were submitted on XX/XX/XXXX then XX/XX/XXXX and nothing. If I don't get a response soon I will have to sue.

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 2018-06-13
Company: BARCLAYS BANK DELAWARE
State: VA
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:
On XX/XX/XXXX, I received a letter for Barclays indicating that once again ( a previous reduction letter was sent XX/XX/XXXX ) reducing my available credit. 

I work for a XXXX XXXX XXXX and am very familiar with the problems that Barclays are having in the USA. 

Based on the letter received yesterday ( and letter last year ), it is clear that the company does not want me as a client. 

Barclays is acting in bad faith.

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 2021-05-01
Company: EQUIFAX, INC.
State: AZ
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:
A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. XXXX, Equifax and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have fraudulent accounts on my reports. Remove 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 2022-08-08
Company: EQUIFAX, 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:
Incorrect balance information with credit card account and incorrect credit score is being reported by Equifax. I've tried disputing the incorrect information and even called and spoke with a rep on XX/XX/XXXX. I provided the accurate information to the account in which was not being reported correctly and Equifax has still failed to update information accurately which is hurting my credit score by not given true score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  and Transunion are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.

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 2020-12-14
Company: MoneyLion Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I signed up for a MoneyLion account around XXXX/XXXX/19, and was issued a {$500.00} short term loan and was to pay the membership fee of {$19.00} a month while my loan was in repayment. The agreement stated that I was to make 2 payments per month on the XXXX and the XXXX, and I made my first payment on XXXX/XXXX/19, then when the second payment was due on XXXX/XXXX/19, I paid the remaining balance. Immediately after paying the balance, I reached out to Money Lion Support multiple times to close my account and request a refund of my reserves and was never able to reach any representatives. None of the phone numbers listed worked and they would connect me to the XXXX and the person on the other end of the line was never able to help me. I finally received an email back that my account had been closed as requested on XXXX/XXXX/19. On XXXX/XXXX/19, I received an email stating that this account was now added to my credit report even though I was assured this would have zero effect on my credit. Since this account is considered " new '' for 2 years, the impacts to my score were negative even though this product claims to be a " credit builder ''. Aside from the " new '' status of this " credit builder plus loan '', I am now stuck with this on my credit report and it reports as negative information because it is a " consumer finance account '' which I was not aware of and still can not find any information warning customers of this dangerous product that claims to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called numerous times in regard to my credit profile with Experian. In my attempt to purchase a car from XXXX I was sent the wrong scores which gave me a huge interest rate. I decided to login to Experian only to see that the issue I tried to resolve is still there. My account is being hack and information being changed. Everytime I updated someone has access to change it again. My email is wrong, my address is was wrong and my name is NOT XXXX XXXX XXXX. My credit score gave me a 20.99 % interest on a loan. I also see I can't dispute anything on their site. There is a random company who recently added a collections account to my credit profile. XXXX  has already removed this fraudulent reporting but Experian will not givee the option to dispute. I have 7 days to resolve this so an update with my interest rate with XXXX  can happen. I have a XXXX XXXX  child that requires this car and I definitely can't afford the extra interest because of this scam. I do want my car but they should pay the extra interest if it can't be resolved in a timely fashion. The are letting this man destroy my life and doing absolutely nothing to resolve it. Everytime I call I'm lead around in circles with no results. I don't deserve this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: SIMMONS FIRST NATIONAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a mortgage on an investment home I own in XXXX XXXX, FL    from a local bank in Colorado  called Simmons Bank ( XX/XX/2018 ). Simmons Bank agreed verbally and in writing ( by email ) to issue the mortgage loan without hurricane insurance and has acknowledged this several times also by email ( see attachment ). 

However, Simmons subsequently ( within months ) sold the loan to XXXX. It appears in retrospect that Simmons was concurrently planning to sell the loan while originating it ( without disclosing this fact ). The mortgage broker was aware that an important reason for working with Simmons was my understanding that they would hold the loan in house ( as they had for my principal residence in CO  ). 

XXXX is now demanding that I pay for hurricane insurance, which is approximately {$20000.00} per year. Without hurricane insurance, pursuant to the closing disclosures provided by Simmons, the estimated taxes and insurance were listed as {$1400.00}. Therefore, hurricane insurance would more than double my total tax and insurance liability. The mortgage has a 30 year term, so the damages are substantial. It is also very important to note that I would not have qualified for the loan if the requirement for hurricane insurance had been included in the loan terms from the start. See attached email where the mortgage broker calculates I have a DTI of 44 % WITHOUT hurricane insurance. If this is not resolved, I will have to sell the property, which would be a significant loss for 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 explanation
Consumer complaint received 2018-12-06
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My wife and I filed for and completed our chapter XXXX bankruptcy plan and received our discharge papers. PNC Bank holds our second mortgage and is showing our account as being behind 1 payment behind after completing the plan. After several requests PNC completed the " Notice of Final Cure Payment '' and it shows that our first post petition payment was due on XX/XX/XXXX. My wife have made XX/XX/XXXX payment, XX/XX/XXXX payment and are going to send out XX/XX/XXXX which is due on the XX/XX/XXXX. 

There is no way that we can be behind after completing the plan and the fact that the cure notice confirms this is disgusting that PNC will not rectify it. If there are delinquent monies with our loan, PNC should have addressed them with the bankruptcy court prior to completing the Final Cure Notice. Now that we are no longer under the protection of the courts, they are claiming that we are behind. 

I have made about 15 phone calls and have spoken to many of representatives from PNC, but no one has any authority to make this right. The last person that I spoke with was a XXXX XXXX at XXXX. He explained that PNC 's attorney would reach out to our Bankruptcy attorney to figure things out. My attorney has called them several times but no one will call him back. 
My wife and I can not continue to pay a lawyer for making phone calls and sending out letters because our mortgage company does not have their act together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was sent an email from my XXXX Chase bank credit card on XX/XX/XXXX that stated I had a balance of XXXX points and I needed to spend XXXX points by XX/XX/XXXX in order to earn a XXXX companion pass. I quickly spent an additional {$21000.00} dollars to achieve this companion pass goal. when my points did not reset online I called XXXX to inquire about my pass at which time I was told that those points spent after XX/XX/XXXX do not qualify even though I was sent an email stating I was almost there and could reach my companion pass goal if I spent this additional required amount of money prior to XX/XX/XXXX. XXXX is claiming they have no control over what date the billing date resets and that even thought their email stated otherwise the billing date was expired prior to this email being sent to me. I was persuaded in an email that I have I. writing to spend a large sum of money and then denied the promised companion pass. This is absolute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: NC
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:
Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Management Refused for XXXX years on providing information on who closed my XXXX bank account and possibly drained XXXX funds after XXXX passed away. Was told XXXX someone submitted documents stating my XXXX remarried which was a lie and that he had all rights to her money as well as my XXXX. XXXX XXXX XXXX was an attorney XXXX fired because XXXX neglected his client and now caused me to become a victim based on forged documents.

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 2018-06-18
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TIAA Bank has informed me that they will no longer allow me online access to my accounts. No reason for this decision has been given. TIAA Bank has also informed me that no only will they no longer allow online access to my accounts, but they will also charge me {$25.00} for a paper copy of my statements, which they call a " research fee '' for a basic account service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-06-26
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: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff, as well as that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit. ) These student loans have been consolidated. The bureaus initially corrected the balances to report {$0.00} however, they are still reporting the accounts as late and as a collection/chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and all of these line items need to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-12-06
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted my mortgage lender back in XXXX for a refinance at this point I disclosed to them that I had a soft second lien on the mortgage, they said it should not be a problem, they ordered the appraisal. I had the appraisal done and they said that it would not work because it did not come in high enough. I asked if I took my husband off would it work they said yes. They proceeded with the refinance, 2 weeks later the loan officer told me I would need to pay off a debt that was in collection. I told him I didn't have that sort of money and was on a payment plan. He asked if I had a 401K, I replied yes he said you could take that out and pay it off. I took a loan out against my 401K to pay off the debt. I asked the loan officer several times if this would work becuase I did not want to pay this off if it wasn't going to work. He assured me many times. I received a phone call approximately 2 weeks later from another loan officer stating that it was not going to work because when they pulled the title the soft second showed up and wouldn't allow the refinance to go through. I became very upset because this is exaclty why I disclosed this information at the very first phone call. I now paif {$150.00} appraisal feel and took money out of my 401K which I have to pay back monthly. I am now in a worse situation financially than I was previously. I asked them what was going to be done because I was told repeatedly that it would work. They said they would get back to me and of course no one did, I then spoke to someone in customer service and they said they would get back to me and no none did. Today I finally heard back from someone and they said there was nothing they could do. I asked who would be held accountable for this mistake? I received no answer. I was deceived and lied to and put in a financial situation because of someone's mistake. All of their calls were recorded and they stated that everything I stated was true.

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 2018-12-06
Company: Tribal Lending Enterprise, Inc.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/2018 my checking account had an ACH in the amount of XXXX. Another charge on XX/XX/2018 in the amount of XXXX. 

This resulted in 4 nsf and return fees of {$36.00} each. 

The company XXXX XXXX XXXX is now unable to answer questions as they say the account is in collections.

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 2018-01-29
Company: BB&T CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
It seems I have an account with XXXX XXXX XXXX for an auto loan which I was the victim of predatory lending practices. I had just purchased a Truck and had financing with XXXX XXXX XXXX at the same time it seems I was also approved by XXXX XXXX for a second vehicle loan the dealership knew there was no way I could afford two loans at one time yet went ahead with the second one anyway, I did not keep the second vehicle and made arrangements to have it picked up by XXXX XXXX in which they did in XX/XX/XXXX yet they are still reporting it now in XX/XX/XXXX, I can not get into a home with this still on my credit report and as a XXXX Veteran face possible homelessness.

Company response to consumer: Closed with explanation