BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: FL
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 I the consumer and natural person was denied credit by XXXX XXXX XXXX when I applied for a new car loan. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by XXXX XXXX through Experian due to the response I received. 

XXXX XXXXXXXX XXXX also EXPERIAN is in violation of 15 U.S.C 1642.

15 U.S.C 1681m and 12cfr 1002.13 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number { credit card } was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of EXPERIAN. 

IF EXPERIAN also XXXX XXXXXXXX XXXX  fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make these agencies criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation ). 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Please the attached letter. I have previously disputed this account and you failed to follow the law. As a consumer, I have every right to receive the documentation that you used to " validate ' not verify this account. Please follow the law FCRA to the letter.

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 2020-07-30
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been having difficulty attempting to link my account with Pnc to my XXXX XXXX mobile app account. Currently have been unable to link accounts in order to transfer funds. I have discussed issue with pnc rep and still awaiting effective support form XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Nelnet, Inc.
State: GA
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:
I requested a switch to the SAVE plan in XXXX, XXXX, and filled out the requisite form on Nelnet 's website. I have not received any updates or correspondence from them since. Three weeks ago, I logged into my account at Nelnet and saw a notice ( attached below ) that they can not process my application unless I pay a fee. However, they do not state the amount owed or provide a means to pay this mystery fee. The notice says I should have received something by mail or email re : the amount due and how to pay it, but I have never received anything from them. I emailed Nelnet two weeks ago and requested clarification on this issue, but never received a response. Attempts to reach them by phone have proved futile due to hold times in excess of four hours with no call-back option. Presently, the Nelnet site says I don't have any payment obligation until XX/XX/XXXX, but that makes no sense. It says I have {$0.00} at this time despite the notification to the contrary ( the mystery fee ). 

According to posts on XXXX XXXX  interest may be accruing during this time, yet I have no idea what amount I need to pay to cover my interest each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: General Information Services, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Background check reports a warrant for my arrest. At the time it was accurate, but I have corrected the issue with CERTIFIED forms that the case is dismissed. This report is still keeping me from being hired form jobs. 

I would like it to be corrected. 

The companies involved is GIS, and the USPS HR department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
An account was open with TRUIST BANK without my knowledge. 
Account Number XXXX Account Type Installment Account Account Condition Closed Date Opened XXXX XXXX XXXX Last Reported 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account # XXXX, has 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-11
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustment has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Diversified is a 3rd party debt collector attempting to collect an alleged debt. Diversified has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, INC.
State: MD
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:
Over a month ago I called XXXX customer service to settle my account. A payment was recieve and said that the status of my account will change. To this day my account is still closed and derogatory with the same balance. No action has been taken and they are still reporting wrong information. I asked that this account gets deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just received another XXXX  credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my XXXX account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe 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 non-monetary relief
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to place a Credit Freeze with TransUnion this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be XXXX as half of the tax-paying citizens private credit files of the XXXX were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the XXXX and a profit center for the other XXXX credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their XXXX executives who excersized sizable stock options knowingly XXXX. 

My hope is that the XXXX takes a strong punitive stance on this issue.

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 2019-03-28
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: Old information reappears or never goes away

Complaint:
Hello I have a XXXX account back In XX/XX/2019 there was a late fee which they said they would remove. I have called them twice now and both times they said its not them it's XXXX, XXXX, equiafax. Today 's date is XX/XX/2019. The other times I called XXXX was Back In late XXXX and XXXX. 

I was looking through my credit today and noticed it was never removed. Was told by the company that this is the best site to resolve problems so I am hoping this get resolves quickly as there should be no late fee 's on my XXXX account. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: UT
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2020-07-29
Company: RoundPoint Mortgage Servicing LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had to make two payments in order to complete the payoff in the large amount. I also followed up with calling Roundpoint Mortgage after making the online payments and learned that I should have completed my payoff with a different process ( wire transfer/mailing payment ) but was told it would be corrected ( I didnt select the payment to be a principle only payment and the monthly mortgage would have been taken out of the amount paid ). I was told they corrected that error over the phone and to watch my account to make sure it posted correctly. My Payoff amount that I received was good through XX/XX/20. I noticed that both accounts posted and then shortly after I noticed that the {$99000.00} did not post. At this point I am concerned that my money will not be applied to my mortgage loan and that a gross error may have occurred as the amount still owed on my home mortgage is showing as a Principle Balance owed {$99000.00}. I have made several calls to Roundpoint but cant seem to get an answer as to where my money is. I am concerned that my escrow money will also be mishandled. I have spoken to several Employees but with no answer. I feel I am getting the run around and I am worried that my money has been mishandled. I am requesting help! 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed this XXXX XXXX that on my Best buy credit card ( citibank ) I was being charged a fee outside of my interest. I learned that the fee was called " enhanced debt protection. '' When I called to figure out what this fee was regarding, they informed me that I have had this " protection '' on my account since XXXX of XXXX. I felt violated and immediately wanted to close my account as well as cancel this " protection. '' I know that I have never knowingly signed up for ANY protection on my account. In fact I have never heard of this protection in my life until that phone call. I demanded to be refunded and I know I have paid well over {$500.00} into this. Had I of not downloaded my statement and looked thoroughly I would still be charged this fee every month without my knowledge. Not only have I reached out to them XX/XX/XXXX and demanded they refund me, they stated it would be investigated and that I will receive a document stating whether I would be refunded or not. I received the document today, XX/XX/XXXX and was told they will request again for investigation again. I was told there is no one else to speak with about this and the only thing I can do is wait for another investigation. After reading further into this situation there are many others in the same situation I am with Citibank with no refunds and no answers.

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 2018-10-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Monday XXXX around XXXX I received a call from XXXX at HSBC Fraud Protection that a credit card application had been opened in my name and that the card was being suspended for use until I returned the call. The number I was suppose to call was XXXX and my reference number was XXXX. I attempted to call back that afternoon, and was on hold for 30 minutes when I had to end the call. The next day in the morning I called the number again and was on hold for 2 hours and after 2 hours the call just ended. Today, a week later, I tried again and was on hold for 2 hours and then my call was abruptly ended. I tried to find an online way to resolve this item without success.

I think HSBC should be held to a higher standard that this level of participation in the financial services industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Today X/XX/17 at XXXX I made a phone call to Wells Fargo to make a payment so my student loan account would be current and up to date. I stated I wanted to make a payment of {$5000.00}. The Wells Fargo representative stated she could not accept the payment and that the student loan needed to be paid in full. My full balance is {$100000.00}. I stated I was unable to pay in full but can make a payment of {$5000.00}. She again stated she can not accept the payment and there was nothing she could do. I asked to speak to her supervisor. She then stated her supervisor was unable to help as well. She stated the only other option is to pay the loan in full. 

My monthly payment is at {$710.00} per month. I am 5 months behind. 

I am behind on my student loans due to the stressors of paying my medical bills that were coming in from a past hospitalization.

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 2023-01-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pennymac.com My account was set for auto pay, draft on the 1 day of each month of principal and interest plus escrow, a fix amount of monthly payment. 

On XX/XX/XXXX, I made a payment which supposed to be due on XX/XX/XXXX. Pennymac.com account portal recognize the payment. The information generated from the Pennymac.com account portal shows my next payment due day is XX/XX/XXXX. 

However, on XX/XX/XXXX, Pennymac.com drafted a monthly payment that is not due ( due on XX/XX/XXXX ) and would not able to reverse it. I have called twice, XXXX and XXXX. They have given me 7 days and 2 days, and 1 hours to solve the problem, but nothing was done. The payment drafted by Pennymac on XX/XX/XXXX created over draft on my bank account. They were continue to overdraft when the first failed after 7 days. Their customer rep 's words that they put request to reverse the prepayment of XXXX don't seem have any effect. My bank account is {$1300.00} negative balance and any funds in goest to fill in the negative balance first. I could not conduct normal business such as paying a small amount to the vendors who rendered works for me and waiting to be paid. 

They are fully aware of the situation. However, nothing has been done. Their system designed to draft funds even it is not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have a business that often receives payments made out to my business name, my clients name ( s ) and their lender 's name. Their lender requires my business to endorse the back side of the check with a signature guarantee, which is performed at the branch level of a bank by an account manager ( desk employee, not teller ). To my understanding a signature guarantee from the bank means the bank is guaranteeing that I have an account with them and that I am an authorized signer on that account. If that is all it is, how can and why can my bank place a limit of {$25000.00} on the amount of check they are guaranteeing my signature for. The funds from that check are not being placed in any account with that bank. The bank has no apparent liability. They will perform the same action on any check under {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citibank credit card is putting minimum due amounts on the app then what is different when logging from a desktop. They are ripping customers off the {$28.00} late fee by doing this. When asked for a waiver they indicate a courtesy waiver can not be issued. This is not a courtesy. This is their error. The app should match the same information the desktop does. I have a screenshot of what the app was asking for but when i tried to get my credit card information they have now taken my access because i told them i was going to file a complaint. My app was asking me to pay {$96.00} but the desktop was asking to pay {$130.00}. ( See screenshot of how much the payment was made for )

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 monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$110.00}

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