BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have contacted Experian via phone on XX/XX/2019,XX/XX/2019,XX/XX/19,XX/XX/19 regarding inaccuracies on my credit report. I provided my FTC number regarding the identity theft that has taken place. I was advised that once I uploaded the report that the information could be removed. I spoke with a rep who refused to remove it even though the information is inaccurate and not true. I am upset that the information has not been corrected.

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 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am submitting documentation from XXXX credit reporting agency about a problem I am having with XXXX credit reporting and transunion credit reporting agency. I have 2 XXXX XXXX credit cards one account is reporting as a negative account with a late payment ( which is incorrect ). Ive disputed this wrong information with all 3 credit reporting agencies. XXXX has confirmed after there investigation that these accounts were never paid late. But transunion and XXXX  are still reporting it as a late payment. They are also reporting that my XXXX account has late payment which is wrong also. Transunion and experian should have received the same results as these accounts were never paid late. They refuse to correct my credit report. It is affecting my credit score with this false information.

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 2019-04-19
Company: SIMMONS FIRST NATIONAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Simmons Bank calls an unreasonable number of times a day. Yesterday, for example, they called my home number once and my cell twice ( about fifteen minutes apart ), for a total of three calls in one day. They do this every month. I have asked them to change my address twice, but they still do not send me billing statements. The balance of the debt is around {$300.00}. I did not tell them to not contact me at all. I'm tired of trying to cook dinner and take care of XXXX kids while they ring my phone. This is beyond ridiculous.

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 2017-11-29
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:
According to XXXX, XXXX and TransUnion my report publish information should be removed. Inquiries on my XXXX  report by XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX these inquiries were not authorized by me. A collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi to whom it may concern, I made money transfer through my PayPal account with my XXXX XXXX XXXX debit card on XX/XX/2018 in the amount of {$500.00} and was charged a fee of {$14.00} bringing the total to {$510.00} to my daughter in XXXX. when my billing statement came in at the end of the month the transaction amount of {$510.00} was included. meaning I had transferred the money to my daughter with my PayPal card. I called and explained to them that the money even though was sent through PayPal was credited to my debit card. Show me proof was requested by PayPal I gave them proof from my bank account instead of PayPal crediting me back my money, PayPal sent an email to my daughter in XXXX requesting her to refund the money. Money I paid from my own pocket. all efforts to have PayPal resolve this matter quietly and simply has failed. PayPal has gone to the extent of referring my daughter to a collection agency to collect money I paid to my daughter from my debit card.

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 2019-04-19
Company: SUNTRUST BANKS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email saying I was accepted by XXXX XXXX for {$8000.00}. I called the number and gave my information such as bank and social. When it was time for the loan they were going to deposit {$1700.00} in my account but I needed to send it back via gift cards. Lucky for me my account is on the minus XXXX. So they put {$960.00} in the account to make positive but theres a {$700.00} on hold to take out the would make the account - $ XXXX he told me that it was going to take 1 hour to process due and I asked if I should call back tomorrow. He said yes and that I would have to get gifts and send them as proof. So Im minus XXXX with XXXX in my account while thats a {$700.00} pending amount to be taken out

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 2018-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
XXXX dispute is reporting me as deceased. Kohls credit my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: Roadrunner Account Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment over the phone via automated payment, and I put a payment of XXXX dollars and didn't realize the payment was missing XXXX cents. Because of the missing XXXX cents it marked my payment history as late. This was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled for {$1200.00} on XX/XX/XXXX and had a zero balance. The company proceeded to garnish my wages and took {$140.00} from my paycheck on XX/XX/XXXX. 
I contacted ecmc at least 3 seperate times by email after XX/XX/XXXX regarding the garnishment and the only response I received was asking for the fax # to my hr. Which I provided but ecmc should have already had as it was on the copy of the paperwork my employer sent. 
I finally received a response on XX/XX/XXXX stating that they have not received the payment and to " check back '' without a specific time frame provided. 
This garnishment should have never gone thru on the XXXX since my account was already settled in full on the 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 2017-12-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
They refuse to modify or lower my monthly payment they lie and refuse to assist the only thing they want is to take my home I wont give them my home nor move They dont lower my monthly payment They wont put me back on my original payment They refuse to use any program that help me to stay in my home They say denied how is it possible there is no help for XXXX like me Until my current temporary situation changes SLS are XXXX XXXX XXXX I didnt ask for this loan the person got this loan cheated and got away

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 2021-11-05
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is for an electric bill for a house which I sold on XX/XX/2018. I contacted XXXX and had our power transferred to the new house on the day of closing. XXXX turned on the power at the new house but apparently failed to shut off the power at the old house. The person who bought the house just kept on using the " free '' power XXXX was providing. I was completely unaware until I received a bill from XXXX for the month of XXXX for the house which I sold in early XXXX. I contacted XXXX and they then turned off the power to the house which I had sold. I did my part and had the power transferred on the day of closing while I was still at the title company to sign the house over to the new owner. XXXX did only half of their job and now wants me to pay for their neglect. XXXX seems to think I should pay for their employees ' incompetence. XXXX turned this false debt over to IC System, a collection agency. This false debt has already been removed from my credit report once before, after being investigated by XXXX XXXX. Now IC System has now put it back on my credit 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 explanation
Consumer complaint received 2019-04-19
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a consolidated loan from 2010 that is in repayment and I didnt want repayment stopped when I enrolled in XXXX. I completed a form as such. I recently found out they applied that to another loan that was in deferment while I was attending school which there is a recording that I stated only on the 2010 loan consolidation. I have tried for several months to get this corrected with them and there have been a flurry of phone calls to them and Everytime I call there has to be another form completed with another department but it is causing creditors to drop my credit and my credit report has taken a serious hit. When I called today, I challenge you to listen to their recording as they said there is no one that I can call to complain and they say I just have to wait  another 30 days. This has been going on since XXXX and it's unacceptable that an agency can cause this much disruption to an individual 's life. Several reps stated it was the agency 's fault and, Ordered the paperwork and stated it was a simple electronic process to the credit bureau. In today 's age, this should not be allowed to fall through the cracks and they should do what they said in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: Deutsche Bank
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am an employee working in XXXX XXXX XXXX. 
Our company has an acount with Deutsche Bank Trust Company Americas. 
On XX/XX/2019, abruptly they noticed us that our account will be terminated. 
I dont know why this happens and so I asked why they do this. But they just told that we should accept this. I think this is really unfair. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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: Credit inquiries on your report that you don't recognize

Complaint:
This is in regards to complaint file XXXX for Experian, I have asked for inquiries to be removed from my credit report that I have not authorized. The law states that the credit bureas have to show proof that these are in fact my inquries that I have inquired about. So I am asking CFPB to help me with getting proof that I have gave authorization to have these inquries just like I have asked Experian and Still have not gotten any proof.

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 2019-04-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I tried to lift my credit freeze from Experian, So that I may purchase a house.In trying to the log and failed. And appeared a letter stating that I would have to mail in a request. Which on XX/XX/2019 I did hear it is XX/XX/2019 and Credit freeze has still not been lifted and no results numerous attempts.

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 2022-01-08
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: Reporting company used your report improperly

Complaint:
The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Accounts are more than 10 years old but still on my credit 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 explanation
Consumer complaint received 2018-03-22
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: Account status incorrect

Complaint:
Accounts are more than 10 years old but still on my credit 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 explanation
Consumer complaint received 2019-04-19
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX I tried closing my account at PNC Bank. I withdrew my money and started an online chat with their customer service to close the account. Apparently the account was not closed and I was charged a {$25.00} fee the next day because the account went under the required balance. 

After realizing the situation I called PNC on XX/XX/XXXX and they refused to credit by account for the service charge and also refused to close out the account. They also said I would continue to be charged {$25.00} a month as the account can not be closed with a negative balance due to the fee I was charged by them not closing my account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Wells Fargo opened a HELOC without my signature and without my consent. I was told by the local window company ( XXXX XXXX ) that they would send my credit score info to XXXX to see if I would qualify for financing. The very next day I went into my Wells Fargo account to check on my mortgage payment, and there was a line of credit opened ( {$13000.00} ) with a " Next payment due date XX/XX/17 '' I pursued financing for my windows from my credit union ( XXXX ) but have had to contact Wells Fargo twice attempting to close the account they opened WITHOUT MY SIGNATURE OR CONSENT! The account appears on my credit report and still appears on my Wells Fargo Mortgage website. 

Clearly, Wells Fargo has n't been fined enough for doing this XXXX to consumers!

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 2017-11-29
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I first filed a dispute regarding an unknown medical collection on my Equifax credit report. Equifax responded to me and indicated they had verified the account and advised me to contact the reporting collection agency. 

On XX/XX/XXXX I sent a certified letter to the reporting collection agency requesting the information they have regarding this account. The collection agency sent me a letter indicating they would verify the account and send me additional information. 

On XX/XX/XXXX I had not yet received any information from the reporting Collection agency and I called them at their office. They informed me on that call that they could not verify or provide me any information and that my account was closed in their office. I followed up that call with a certified letter requesting a withdrawal in writing of the claim so that I could send it to Equifax. 

After my phone call on XX/XX/XXXX with the reporting collection agency, I filed an online dispute with Equifax letting them know I have done everything in my power to discover and rectify this error with the reporting agency, and that the reporting of this account is an error. 

On XX/XX/XXXX Equifax reported back to me they have again verified the collection with the reporting agency and advised me to contact them again. I have contacted them again and they assure me they are not reporting the account. 

Equifax continues to report this unverifiable account on my report. It seems unreasonable that Equifax continues to require me to rectify with a collection agency whom will not tell me anything other than that the account is unverifiable and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I use this credit card monthly. I always pay the balance, so I have never incurred interest fees. I have been a customer for about 10 years. This month I didn't pay the complete balance. My balance was {$2500.00}. I paid XXXX It was an oversight on my part. I expect to pay interest. However they charged me {$14.00} interest. My balance is {$220.00} which i expect to pay interest on. The company charged me interest on {$640.00}. I called and the insulting customer service rep, explained its not based on the about being borrowed, but a daily average. So I'm being charged interest on money that they already received. {$410.00} to be exact, they charged me interest for Money that they already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: CA
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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 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