BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.

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
Consumer complaint received 2020-06-29
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: Information belongs to someone else

Complaint:
show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX CDispute XXXX XXXX XXXXDispute XXXX/XXXX   XXXXDispute XXXX XXXXDispute filed ftc on all the above accounts

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 2018-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
During XXXX of XXXX alliance one incorrectly started to garnish my paychecks for the maximum amount witch created a terrible hardship for my family. I finally got them to realize they had the wrong person and the funds were subsuquently refunded. On XX/XX/XXXX the garnishment process started again and I received an email from adp stating that I was being garnished by Alliance one for {$510.00} and the remainder was {$1700.00} after multiple garnishments the last one came in XX/XX/XXXX stating that I owe a balance of XXXX. I followed up with alliance one a few months later around XX/XX/XXXX and they stated that they never received money and that they could not find a debt for me. After finally finding me I was told that XXXX would release the money to them in XXXX. I called alliance one again in XXXX of XXXX and they stated that they received the money but I still owe and additional {$2400.00} wich was never explained to me at any point in the past. the representative had a very hard time finding out where the garnished total of {$1700.00} went. I called back for clarification and a clearly irritated rep denied to give me any time or an opportunity to take notes on what was being said in regards to the balance. She stated that since i'm considering legal action she can not give me information on my account. I also never received a notice in the mail in regards to any balance owed. After the initial garnishment that did not belong to me, and after the representative not allowing me to get full clarification on this large debt! I am very concerned about the collections practices of alliance one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion has not sent out updated copy

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 2018-11-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Chase allowed two fraudulent withdrawals from my checking account. According to the Police Detective in XXXX, AZ that spoke with one of two XXXX Reservation Casinos the following occurred. A male created fake checks using his name with my account number and routing number. He was able to cash two checks in the amount of {$1000.00} and {$4000.00} and establish a line of credit at the XXXX XXXX XXXX   XXXX in AZ using my checking account info for {$30000.00}. I am the only authorized person on my account, am not male, and was not at the casino. The casino has the name of the male individual who presented the checks. 

Chase refuses to open a dispute for the {$4000.00} transaction and has only sent the documents to a local bank for me to sign to dispute the {$1000.00} transaction. Chase claims the identity theft and fraudulent withdrawals are beyond their 60 day limit of liability. 

Chase never notified me or contacted me about the checks nor the line of credit established for {$30000.00} at the Casino. 

I have written 4 checks on this account the entire year. I have never been to these casinos and was not in the state when they occurred. The withdrawals are completely outside of any banking activity I have ever conducted. 

I am unable to pay my mortgage in XX/XX/XXXX due on the XX/XX/XXXX because of the illegal withdrawal of funds. I also pay my credit card, also with Chase from this account and can not pay the amount in full as well. I never carry a balance on my card and thus will incur a finance charge. My mortgage company has no provisions for missing a payment of deferring a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian has not mail my updated copy of corrected 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 non-monetary relief
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: FL
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:
Equifax is violating the law by taking dropping your score if you dispute accounts that do not belong to you. I am currently disputing several accounts that are inaccurate or do not belong to me. I feel they are doing this because there is a glitch in their system that they refuse to fix that does not allow on line disputing. The accounts that are currently being disputed need to be removed and my points restored to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's Experian, XXXX, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.

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 2021-06-07
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, Equifax, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am sure you will be unable to help me as the credit reporting agencies are privately controlled entities that can do whatever they want. I just want to tell you my story. I worked all year long to build up my credit after a divorce. I just got it up to XXXX. I was able to refinance a 12.6 % car loan and lower it to an amazing 1.74 %. I was so proud of myself. Well, today the new account reported and it tanked my credit by 87 points! In what world, does improving your finances by lowering your interest rate cause such a drastic change. How is what I did bad? The credit scoring system is flawed. It needs to be completely dismantled and re-evaluated. 87 points for switching to a lower interest rate is patently absurd. These companies have so much power over the financial health of Americans. I am at their mercy for housing, credit cards, loans ... ..They need formulas that are completely transparent and make sense. This does not make sense. I called Transunion to complain and they said that is just their scoring model. That opening a new account can lower your credit. They actually refused to tell me how much it had dropped. I knew because I have credit karma and Transunion online and received emails. My score, my financial health, my life and yet they refuse to tell me ... .. How is it legal for the consumer not to know how much their credit score dropped? 

I have spent the better part of the year buidling up my credit and educating myself about the intricacies of this credit scoring game. The credit reporting system is broken. It does not make sense. It is a bunch of convoluted scores, which you have some idea on but not the amount something will add/drop your score. And a lot makes zero sense. 

Thank you for listening to my story. I did nothing wrong and my purchasing power has just been seriously diminished by a formula created by a powerful entity under no obligation to inform me of what happened. I can do nothing to change it but am simply at their mercy.

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 2021-06-07
Company: EQUIFAX, INC.
State: AL
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:
Problems with inaccurate, unverified information reporting on my credit report, which is preventing me obtaining credit and harming my character as a consumer, I have contacted XXXX, Equifax and XXXX concerning this matter asking for proof that these accounts were properly verified and reporting accurate information, and nothing has been sent or done to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I have disputed accounts regarding verification of accuracy on my credit report, inwhich they didnt verifiy accounts nor within the 30 day timeframe.

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 2021-06-07
Company: AES/PHEAA
State: NY
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:
I am participating in the Public Service Loan Forgiveness program. I submit Employment Certification Form ( ECF ) at least once each year to verify my employment so that I will be able to see that my payments count towards the program in real time, also as it is recommended for PSLF by Fedloan. I submitted an ECF in early XX/XX/XXXX ( around XX/XX/XXXX ) and received an email on XX/XX/XXXX that more time would be needed to verify my employment. I called Fedloan on XX/XX/XXXX to check the status and was told by XXXX ( Employee ID XXXX ) that she is not sure why the employment was not certified and she would put the form through to be expedited. My employment has still not been verified since that submission. Therefore, in late XX/XX/XXXX ( around XX/XX/XXXX ) I submitted an additional ECF. On XX/XX/XXXX I received the same email stating more time was needed for review and I still have not heard the results of that form. I spoke with Fedloan representatives two additional times, both of whom said both forms should have been approved by now. I have done everything necessary to qualify for the program and Fedloan is not verifying my employment in an appropriate timely matter and I would like this looked into. The two ECF 's I've submitted this year are attached. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on loans and this was not my mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: PNC Bank N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX email : XXXX I am using 2 PNC accounts in my name to receive benefits from 2 XXXX annuity contracts that are annualized i.e. paying out for lifetime. 

Account Numbers : XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX Routing Number : XXXX I was a permanent resident in the XXXX until XX/XX/2008. Since then I live in XXXX. 

PNC has not managed or is not willing to update to XXXX address. They have been sending statements and replacement card to XXXX for one but not the other account. For this account I have not been able to receive a replacement card - presumably because they insist sending it to the old XXXX address. They also claim the card they send somewhere has been activated ( if so - not by me ). 

PNC advised to report the card that never arrived lost / stolen. 

Now they obviously issued a new card and sent it to the old address again. 

There have been endless internet-interactions about this point since XXXX this year but it just does not seem to be possible to a ) change address coherently to the XXXX one I am using for 10 years now b ) send card to new address I fail to see the difficulty. This accounts have been active for > 10 years. 
I never choose PNC actively. They took over the 2 XXXX community banks I banked with before. 

I enclose activity reports for this year - so you can verify we are talking about real - active accounts. 

Your are welcome to forward anything I submit here to PNC - preferably a person with a solution oriented mindset some way up in the hierarchy of that outfit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.

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 2018-11-26
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe about {$2500.00} on a credit card with Citibank Simplicity MasterCard. I am in the process of working out an arrangement. 

Citibank uses a robo caller to call me every 2 hours up to 4-5 times per day. In addition, the robo caller leaves voicemail messages each time, thereby clogging my voicemail account and making it difficult for others to reach me. 

There is no reason for them to use an automatic dialer to leave 4-5 voicemails  each day, 7 days a week. This is nothing more than harassment.

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 2019-10-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I AM A SENIOR CITIZEN OF WHOM HAS SUFFERRED XXXX XXXX ILLNESS I PURCHASED MY HOME YEARS AGO FIRST LENDER XXXX XXXX THEN TRANSFERRED TO XXXX XXXX OF WHOM TRANSFERRED TO XXXX XXXX XXXX THEN THE LOAN WAS TRANSFERRED TO RUSHMORE MORTGAGE. MY PRIOR SERVICES HAD MY NOTE AT ALMOST 1300 a month upon transfer from XXXX XXXX it transferred to XXXX XXXX OF WHOM RAISED IT TO {$1600.00} .THEN IT WAS TRANSFERRED TO RUSHMORE OF WHOM IS CHARGING ME XXXXA MONTH. I HAVE NEVER REFINANCED NOR BORROWED ANY MONEY.XXXX XXXX TRIED TO GET ME A LOAN MODIFICATION OF WHICH I DECLINED AND ANY. DOUCUMENTS TO THAT EFFECT IS FRAUD.MY INSURANCE HAS ALL WAYS BEEN WITH XXXX WHICH I PAID AND NOW WITH XXXX.THEY STATED THE RISE IN PAYMENT WAS DUE TO INSURANCE. MY LOAN PAYMENTS WERE SUPPOSSED TO BE INCLUDED IN MY ORIGINAL PAYMENTS OBVIOUS IT WAS NOT.THUS THE INCREASE IN MY LOAN PAYMENTS.I AM A XXXX YEAR OLD SENIOR XXXX AND MY HEALTH IS DECLINIG DUE TO THIS FRADULENT ACTIVITY.MYHOME HOME VALUE HAS .. 









H MY LOAN HAS TRANSFERRED THREE TIMES.I HAVE ALWAYS PAID MY OWN INSURANCE.MY LENDERS ALSO STATED THEY INCLUDED MY INSURANCE WITH MY PAYMENTS. XXXX XXXX AND XXXX. IWAS PAYING MY OWN INSURANCE WITH XXXX XXXX AND NOW XXXX.I SENT XXXX   {$7000.00} AND THEN {$5500.00} OF WHICH THEY INDICATED I OWED.NOW RUSMORE UPON TRANFER TO THEM HAVE RAISED MY MORTGAGE PAYMENT TO {$2000.00} A MONTH.I AM A XXXX SENIOR OF WHOM MY ORGINAL XXXX XXXX MY ORIGINAL MORTGAGOR CAN ATTEST WAS TIMELY IN MY PAYMENTS.MY ORIGINAL LOAN WAS {$160000.00}. I NEVER REFINANCED NOR BORROWED AGAINST MY HOME.WHEN TRANSFERRED TO RUSHMORE MORTAGE THEY HAVE ASSESSED ME OWING ALMOST {$300000.00}. THAT IS FRAUDELENT MY NEW PAYMENT IS NOW {$2000.00} A MONTH.PLEASE INVESTIGATE. I AM XXXX YEARS OLD AND VERY ILL. I NEED HELP XXXX THEN TRANSFERRED TO NATION STAR OF WHOM TRANSFERRED MY LOAN TO RUSHMORE MORTGAGE OF WHOM IS CHARGING ME ALMOST 2100 A MONTH. I HAVE NEVER NOT PAID MY OWN INSURANCE AS I HAD XXXX FOR YEARS AND NOW XXXX. PREVIOUS MY TAKES AND INSURANCE WAS COVERED BY MY PAYMENT.+

Company response to consumer: Closed with explanation