BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
PNC refuses to allow me to tie my debit card or other accounts to XXXX -- for deposits into my XXXX account when i use my PNC debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
I have been the victim of identity theft and have made Transunion aware of this problem. Transunion has been very nasty and made remarks disrespectful to my race inquiring that my people always do this. They have hung up the phone on me numerous times. I have sent in prove of identity theft and asking for inquiries to be removed from my credit report that are unauthorized. They said consumers have a right to report information rather I authorized them or not. They make it hard for certain people to get information removed from their credit report. They removed the student loans due to the company admitting that they were indeed not my accounts and belonging to someone else with a similar name. They removed the accounts then added them back. I will be filing a lawsuit along with a group of people who also have the same issues. Transunion makes it harder for certain groups of people for reasons that are unlawful.

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 2017-07-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received no notification from Carrington Mortgage Services notifying me of the XXXX XXXX, 2017 foreclosure sale date. The first notification I received was a letter from the attorney on XXXX XXXX, 2017 stating there was a scheduled sale on XXXX XXXX, 2017. This did not allow me to submit my modification package prior to the 37 days before scheduled sale date deadline. I spoke to a supervisor " XXXX '' ( ext XXXX ) who claimed that Carrington Mortgage Service did not have to mail any notifications or letters to me because they attempted to call me. I informed him that is not correct and everything is done by written correspondence as I do not know if they were calling the wrong number. As far as I knew I was still in review for a loan modification and was never made aware or saw anything in the mail from Carrington. " XXXX '' ( ext XXXX ) reiterated again they did n't have to mail letters and phone calls were enough and that most borrowers want to be called and not have letters. This is a violation of XXXX XXXX servicing guidelines and against the CFPB servicing guidelines for loan modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ive applied for a personal line of credit from Wells Fargo, XXXX, XXXX, XXXX. 
With the intent to pay off my credit card debt. 

My plan is to pay off all my cards, close the accounts and pay off the remaining balance of my personal lines of credit. I 've struggled to pay off all of my cards because interests rates are going up. I 've transfered a balance from one credit card to another credit card but dinner than later the interest rates start to give up again and I can never accomplish my goal.

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 2019-06-14
Company: Michigan Mutual, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have never been late on a mortgage payment. While going through the bankruptcy process I was never informed I would need to complete a reaffirmation agreement so I am no longer allowed online access to my mortgage/online account. For the last few months each time I contact this company they transfer me to the Bankruptcy/collections department which usually ends up in a voicemail that is not returned or long hold times. As of today I have called this company 3 times already just trying to make a payment by phone. I first called this company at XXXX, was on hold for 12 minutes before being put into someone's voicemail. I called again at XXXX and was on hold this time for 15 minutes. The receptionist who picks up the line after 15 minutes starts discussing how that department is short staffed and I can either leave a voice message or wait on hold. After telling her I would hold she disconnects the phone call. I am currently on hold for a 3rd time today since XXXX ( over 15 minutes now ). As I am writing this complaint I am on hold ... to make a payment. The receptionist that picked up on my 2nd phone call asked me to call back on Monday. I explained to her my payment is due by the XX/XX/XXXX, so if I call back on Monday to make the payment it will then be late and therefore I would prefer to hold and not leave a message ( to make my payment, on time ). Since I was disconnected I have had to call back to attempt to make my payment on time today. 
I would ask that this company allows me online access to my account to at least make an online payment before my due date. If I can not reach someone by phone to make a payment on time I should have an alternative option to make a timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I am XXXX resident. My credit card is fraudulently used for booking airticket booking in XXXX XXXX  on XX/XX/XXXX for XXXX USD. Immediately I got a email message I complained to my bank in XXXX within 10 minutes. They reversed the transaction and issued new card. After chargeback and dispute resolution they reversed the amount and now claiming the amount. Merchant no. XXXX merchant sic. XXXX. XXXX called as XXXX XXXX is travelled with booking XXXX in flight XXXXXX/XX/XXXX XXXX-XXXX. As I have disclosed any card details to anybody and I was in my county I.e XXXX. XXXX and their bank not cross verified XXXX card details during travel. Please ask the company to refund this money and catch this fradulant person. As a citizen I informed my bank in 10 minutes and later informed 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 2019-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company of Experian in my credit report has a one collection debt that I have paid already since two years. This is the only credit company bureau that has it in collection also they has in my credit a lot of information that it damage my credit. Right now, I am consolidating debt that is why appear that I don't pay but I do payments with the consolidation company and Experian is the only who damage my credit putting inside of my credit a lot of details that is damage my credit and it is unnecessary because they know I am consolidating debt.

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 2019-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hard Inquiries receivved are Mortgage Loan inquiries and the companies had stated that in no way will it affect my credit report or show up as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
As of XX/XX/XXXX I filed a Bankruptcy Chapter XXXX in XXXX, Texas Federal Court and  Bankruptcy chapter XXXX was discharged on XX/XX/XXXX in which during this time Prestige Financial approve my car loan. 
Since XX/XX/XXXX Prestige Financial stated to me that I was going to get a lower interest rate lower than 17 % and is XX/XX/XXXX and nothing has been done to lower my interest rate and my loan balance keeps rising. 
Also I had a family XXXX in XXXX inXX/XX/XXXX and I could n't make a payment for XX/XX/XXXX and I explained the situation to Prestige by emails and they did n't want to accommondate so I can help my family in XXXX . 
I respectfully asked Prestige administration to put the payment of {$440.00} on the back of the loan and Prestige refuse to do it. Prestige stated that I have to wait for XX/XX/XXXX to get another exempt on payments. 
Now Prestige has me in collection of {$970.00} I told them that I can only pay {$440.00} for XX/XX/XXXX and that 's all I have. 
If I do n't pay the other {$440.00} they will put me in collection and repossession of my vehicle that I need for my XXXX XXXX XXXX with my doctor. 
I am XXXX XXXX and Retired. 
I am sending Prestige statement documents and my payments is {$440.00} a month in which I receive a letter agreement from Prestige Financial. 

Very Urgent Matters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Information belongs to someone else

Complaint:
To Whom it may concern. I am submitting this complaint on my own there is no third party involved. I checked my credit report and i saw i had some fraudulent items on my report. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S.C. 1681c-2. Please see attached FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave Experian any written consent to report anything on my consumer report. No consent is Identity Theft

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 2022-02-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Since XXXX, until this day XXXXThere are open inquiries, applications, fraudulent use, and other unrecognized inquiries on my account that aren't mine.. Some accounts are still open which should be closed..This is with Equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XXXX-XXXX-2017 I was reviewing my credit card billing statement from Chase, Slate credit on  XX/XX/XXXX billing statement my interest rate was at 23.99 and my XX/XX/XXXXstatement is at 24.24, I  called spoke with XXXX, he said there was nothing he can do to lower the rate as for the supervisor XXXX she said the same, I have been with them for over 8 years and they refused to help, I was told to check with the credit bureau, did not make sense, they have nothing to do with the rates, I was informed their rates run from 0 % -24.76, I just refinance my home, I have excellent credit, according to there review a good credit score should be offered at least 15.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
At XXXX XXXX CST on XX/XX/XXXX, I transferred approximately a sum of the cryptocurrency Litecoin worth {$2600.00} and received an email from Coinbase confirming that my transfer had been received and was being confirmed. At XXXX XXXX, I received another email notifying me that said transfer had been confirmed and that the funds were being transferred to their exchange, XXXX. According to the XXXX website, " Transfers between your Coinbase wallets and XXXX  account are instant and free '' ( XXXX XXXX XXXX ). In the six days which have passed since I received this email, however, I have yet to receive any funds in my XXXX account, where my Litecoin balance still reads XXXX. 

On the morning of XX/XX/XXXX, I opened a support ticket with the company. Within the hour, I received two automated emails which contained links to the company 's FAQ pages. The second of the two automated email directed me to respond if my problem had not yet been solved, so I sent a response at XXXX XXXX on XX/XX/XXXX which stated that my Litecoin was still missing. I sent another response at XXXX XXXX on XX/XX/XXXX in which I restated my concern for my missing funds and provided more information. I have yet to receive any emails which address my specific issue or which were written by a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Student Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Starting in the summer of 2015 I had wanted to consolidate all my student loans so i could have one single manageable payment. When I found a consolidation company XXXX XXXX XXXX I gave them my information and I was told they were going to work diligently to gather all my loan information and come up with a reasonable payment plan. Three months later after calling once a week every week i finally saw progress on my payments and plans. As i looked at my credit score recently i noticed that i have a high impact rate during this time from apparent missed payments that i did not now i missed. Yet during this time i was waiting on a third party to complete my consolidation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I 've taken a closer look into my student loan breakdown of payments and am absolutely devastated to find that out of the {$20000.00} that I 've paid over the last few fews, ONLY {$2100.00} has gone to paying down the principal and the remainder {$18000.00} has gone to paying Interest Rate Payments. In the last year, my monthly payments breakdown with only 20 % -30 % of my payment going to bringing down my principal. <P/>I called Navient and the customer service rep explained that I have a " daily interest rate ''. At no point has Navient explained or told me about this " daily interest rate ''. The customer service rep could not explain why or the breakdown of my interest rate payments and did not provide me any viable solutions or satisfactory explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
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:
After being hospitalized from XXXX XXXX to my child via emergency XXXX, I requested my accounts to be consolidated XX/XX/2019 to better manage my finances. All of my accounts were approved to be consolidated including XXXX/XXXX XXXX. The Bank instead reported these accounts as late which was disingenuous. This issue has caused my stress and more importantly dropped my score to the point that I can not take advantage of the best available rating for a new home. 


Account : XXXX/XXXX XXXX  XXXX ( I have not received a letter of late payment ) this account was confirmed in consolidation and was never late. 

XXXX/XXXX 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 2017-07-26
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
We are being harassed and threatened by American Express regarding a Amex Everyday charge card ending in XXXX. I have been repeatedly contacted on several occasions by XXXX XXXX! He has called relatives discussing my debt which is being paid based on the last statement received by American Express based on minimum amount due on the statement. He started utilizing harassing and discriminatory tactics XXXX/XXXXXXXX XXXX and I very distraught regarding these illegal tactics. I have also communicated with American Express with a written letter in XXXX XXXX stating that my family has been experiencing extenuating financial and medical circumstances when my sister was hospitalized for 34 days in ICU and recovering from a major medical condition and stated the amount we could pay. My mom is the assigned manager on my account and has communicated this to American Express as well. This was placed on the application and set-up online in XXXX. If they have deleted anything in their system, it was very unethical when they know I set this up for her to manage. She was also recently contacted again by XXXX XXXX on last week after she told him that the bill was paid based attached statement received from American Express display minimum amount due and she requested that he not contact her again or 3rd parties regarding my account. They contacted 3rd parties on 3-4 different times over the last month. The 3rd party relatives had also requested that they stop contacting them as well but they still wrongfully persisted!
My family is going through a difficult time right now and are trying to do our best with keeping up with payments and request that XXXX XXXX or any other collection Representative cease in your illegal and discriminatory tactics against me, as I have paid the minimum amount reflected on the latest attached statement for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief