BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I can not link my bank account with XXXX to connect to the XXXX XXXX XXXX. I need this app to help me manage withdrawing the proper amount of money for taxes from my paycheck, as I am an independent XXXX. This is quite frustrating, as I already went through this once linking to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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'am repulsed by this repugnant credit agencies use of the word 'investigation ' they DONT INVESTIGATE a XXXX thing they email the debt collector to confirm if its a valid debt and 100 % of the time the debt collector will say YES. I don't even understand how its legal for anyone to BUY my social security number because that is how debt collectors work and why this fraudulent collection is on my account. Furthermore it makes ZERO sense that XXXX  would buy this debt in XXXX when I was homeless and ONLY!!!!!! to START collecting it in XXXX AFTER!!!!!! my credit information was hacked by XXXX. I WANT THIS fraudulent charge removed!!!!!!!! from my credit report that is the job of this repugnant companies employees to do. NOT just email a debt collector and take there word over mine just because they BOUGHT my social security number. This illegal activity needs to be fixed. Lastly I preemptively refuse the so called copy and paste reply they always have of. " we are investigating the matter '' as stated prior all you people do is email this junk debt collector and close out the so called investigation in 3 days that is NOT an investigation. Your job is a joke and you are a waste of oxygen. I have been dealing with your utter incompetence since XX/XX/XXXX and as you can see I will continue to do so. Your practices are faulty, shameless, repugnant, illegal, fraudulent and expurgated.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
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:
I have filed a complaint recently with Experian about XXXX reporting incorrect information and that has been resolved. This complaint is NOT THE SAME- is a totally new complaint however, Experian 's site will not allow me to dispute this erroneous 30 day late item. When you try to upload new supporting documents about XXXX the site will not allow you too. Experian should not be operating in this manner. XXXX has reported my vehicle payment 30 days late last week on or about the XXXX of XXXX and they should not have as the vehicle was totaled and paid off. Therefore, there should be NO LATE PAYMENT on my credit report. Here is the initial dispute I sent last week- that was closed stating I had filed this complaint already and this is not true. 

XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road on XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to Experian, XXXX  and XXXX  as well. They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and it has impacted my credit score and caused my beacon points to drop a negative 48 points.

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 2018-03-31
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: Problem with personal statement of dispute

Complaint:
FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block these items from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have XXXX business days to complete this request.

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 2018-03-02
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX my student loans were consolidated into FFEL Consolidation loans by  XXXX, which later changed to Navient. I first learned about the Public Service Loan Forgiveness program around XX/XX/XXXX. When I contacted Navient to inquire about this program. I was advised that it was not necessary to refinance my loans. 

I recently submitted my application for the PSLF program and was informed that my FFEL loans are not eligible after all and the 10+ years of payments I have made to Navient do not count towards my loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Millco Management
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 status incorrect

Complaint:
A collection agency named Amerifinancial recently reported three collection balances on my credit report for {$400.00}, {$140.00}, and {$120.00}. Prior to these accounts appearing on my report, I received no notification of the debts whatsover. Amerifinancial never supplied me with a notice of my right to dispute, prior to reporting these debts, so they have violated my rights under the Fair Debt Collection Practices Act. And since they have reported these debts illegally, they are also in violation of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( 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 2018-07-12
Company: Innovis
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was notified that a.. MORTGAGE CREDIT INQUIRY had been run, Without my knowledge or permission. 


Date : XX/XX/2018 XXXX, XXXX, and XXXX XXXX : XXXX XXXX XXXX Via XXXX/ XXXX XXXX XXXX XXXX. , XXXX, PA XXXX / ( XXXX ) XXXX My Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account was closed by US Bank end of XXXX. I have around {$12000.00} in my checking account when my account was closed. I contacted US Bank multiple times to give the money back to me.They referred me to the branch manager who originally opened my account. I contacted the branch manager, but he barely responded. I went into the US Bank XXXX branch multiple times and finally got chance to talk to the branch manager XXXX XXXX. His attitude was very unprofessional. He simply told me he will hold my money for three months. Now it has been over three months, I contacted him again to get my money back, but he never responded to my email or phone. It was very bad experiences and really need to file a complaint towards this US Bank branch and this manager.

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 2021-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 had a shared account with my wife at Bank of America. Bank of America closed my account because my wife 's identity proof was out of date. I got a check with all the balance in my account. This also XXXX all auto-payments I had set up to pay for my credit cards with Bank of America. I went back to the bank and reopened my account, but forgot to set up auto payments which had gotten XXXX. This resulted in late payments on my credit card which has negatively impacted my credit score. My credit scores dropped by more than 50 points. 

XX/XX/XXXX - I got a letter from Bank of America saying my wife 's identity proof with the bank was out of date. I didn't open the letter assuming it was a regular marketing mail. 
XX/XX/XXXX - Bank of America closed my account and sent me a mail with a cheque for the balance in my account. 
XX/XX/XXXX - I reopened my account with Bank of America, but forgot to set up auto-pay. 
XX/XX/XXXX - I realized my credit score was impacted due to late payment. I called Bank of America and pointed out that the late payment was due to disruption with auto-payment due to my account being closed and opened again. 

My credit score has not gotten back to the previous levels yet.

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 2021-01-26
Company: EQUIFAX, INC.
State: CA
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:
Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a WalMart credit card. I had it set up on automatic payments and never missed any. I was working as a XXXX XXXX for a couple of years. The card was sold to XXXX and they took me off auto payments. I called them repeatedly to try to arrange for auto pay again but they kept telling me to call back. They kept telling me to check my mail but I was working on the road. They billed me excessively for " missed '' payments in spite of my repeated efforts to pay my bill and reinstitute auto pay. This has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I inquired about a loan at about XXXX. They asked how much I needed : I said $ 4500-4000. Everything was going well until one of the other representatives got involved. next t thing I know they offered me a check for {$1500.00}. I said no several times but they said I can think about it for 3days. I went home and went right back to return the money at XXXX. by XXXX I had finally gave back the check and cancelled my loan. then they say I can pick up my title in 7 days! but when they convinced me to take the check they said they would put it is pending. All I want is my title back now. they can not tell me a mailman comes to pick up several titles every day, its not cost efficient. I know my title is in one of those filing cabinets ... I feel like they are being malicious because I did n't accept their loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 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 2018-03-02
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:
XX/XX/XXXX : I received a notice from Chase informing me effective XX/XX/XXXX that the interest rate on my Mileage Plus XXXX Credit Card will be jumping 52.6 %, from 9.49 % to 14.49 % The specific reason is that " We are changing the Annual Percentage Rates ( APRs ) as described because your APRs are below the lowest APRs we currently offer on similar accounts. '' Notice they're saying the rates are too LOW compared similar cards, NOT the same card. 

For no reason other than they feel that I'm not paying enough. Too LOW. Chase is being nothing but greedy XX/XX/XXXX : I called Chase customer service. I spoke to a representative. I spoke to a supervisor. They don't care. In their eyes, the agreements we signed previously don't hold up. They feel we're paying too little. 

When I challenged them as to if they would lower the rate if similar cards had lower rates, they said no. 

I pay an annual fee in line with agreement. I pay my bills on time. I have had this card for almost 20 years, and for no reason, Chase decides to be greedy and try to gouge me and others. 

I accepted the rate hikes in XX/XX/XXXX as a result of the CARD Act as reasonable.

I accept that my rate can change subject to Prime changing.

I can not accept that Chase has decided my rate is too low and they're not making enough money off me compared to Similar products. I didn't sign up for a similar product. I signed up for a SPECIFIC product and Chase should honor the contractual agreements around it.

I am asking the CFPB to investigate my situation and others who are impacted by this decision. I would like to ask CFPB look into the rationale behind this decision by Chase Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: California Business Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX opened a collection with California Business Bureau on XX/XX/XXXX and they posted a collection on my credit report for {$470.00} on behalf of their client, XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I called the collection company to inquire about paying off the {$470.00} listed on my credit report and I was told by the representative, that the amount owed is {$700.00} ; that they don't include fees and interest. 

I have never received any written documentation from the original creditor that I owed the {$470.00} posted on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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 payment information, information has been verified with account.

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 2020-12-11
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:
Incorrect payment information, information has been verified with account.

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 2017-09-18
Company: EQUIFAX, INC.
State: MO
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:
On about XX/XX/XXXX, I became aware of the fact that I was likely part of the gigantic breach at Equifax that started as early as XX/XX/XXXX, though news reports and the Equifax " tracker '' online. Equifax apparently did not have adequate security measures in place to prevent this information from being accessible to hackers, nor did Equifax take appropriate measures to alert the public as soon as practical, thereby further aiding and abetting the hackers to use our information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
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:
These are not my accounts, nor did I authorize these companies to pull my credit. Please 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 2018-03-31
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX closing. XXXX mortgage amount .The process started several months before date of closing. we were told that our FHA mortgage would have to have PMI and after 5 yrs or 20 % equity, the pmi would fall off. Apparently the rules changed on XX/XX/XXXX that year and we are locked in to paying for the life of the loan. I feel that we were misled and coaxed into signing for the pmi with the impression it would fall off. I also feel since our loan process started long before the change we should be held to the original parameters of the pre- XX/XX/XXXX fha guidelines. 

This probleme came evident when discussing whether to refinance or not because we were coming up on 5 years/20 % equity.

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 2020-07-23
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received an email to settle a loan I had from cash net USA for half of what I owed. The email said I could make payments if I couldnt pay the full amount. I called and offered them XXXX today and the rest on XX/XX/XXXX. They agreed and setup the payment for XXXX for today and the next payment on the XXXX. 

They took both payments out of my account today without my permission. They stole it from me. 

They are also operating in violation of Virginia state law because I have two payday loans at once.

Company response to consumer: Closed with explanation