BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
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:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.

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 2022-03-09
Company: DISCOVER BANK
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 status incorrect

Complaint:
This debt account was opened on XX/XX/XXXX. I have not used said credit card since even before that date. They reported that my last payment was in XXXX when they've acknowledged over the phone that it was earlier than that. I have repeatedly disputed it and they will not remove it from my credit even though it has been over XXXX years. 

This should be off of my credit at this point. Even though I have not contacted them in quite some time, they just updated my balance on XX/XX/XXXX and continue to do so so that my reporting period is extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: EQUIFAX, 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:
On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later,XX/XX/XXXX the account re-appears under a different account number with a collection agency XXXX. XXXX is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been a Wells Fargo customer since high school ( XXXX ) and I thought I would get a credit card with them to build my credit. Years gone by, it has been fine until XXXX. This undisputed debt is haunting me! My credit score is hurt sooo much by this. I work hard and I am trying to purchase my first home. 

I know I am a few years too late but I have my reasons why. 
Back in XXXX I was going through family issues and was homeless. I was living in hotel by hotel every day for months. I had left my credit card in one of the drawers, when I came back to grab it was gone. Tons of purchases has been made on that card that wasnt mine. I had went to Wells Fargo about it twice in that year. First time the guy that helped me was telling me that I HAVE to pay it no matter what. I asked him to help me with options and he said that since the amount was too much, I was basically forced too pay ALL it. At the time I didnt have money to pay it all at once and the way he told me made me feel uncomfortable, so i walked out. Second time I went to Wells Fargo, was in XXXX. During the pandemic I had called Wells Fargo and told them about my situation, the guy told me that I had enough money to pay it off from my checking account. HOW DOES HE KNOW? I have other bills to pay for and I didnt want to pay for anything I didnt purchase. 
I pay my bills on time and Ive never thought I would have to go this route. 

Please help me! Trying to purchase my first home and better my future!

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 2021-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XXXX, 2021, I was notified that a hard inquiry was done by Capital One. I have not applied for a new credit card with Capital One. I contacted them and notified them and they denied application since it was still pending ; however, the hard inquiry is still in my report. I need removed since it was not me applying for new credit card. Also, XXXX XXXX ran a hard inquiry again after this same incident occurred in XX/XX/ 2021. I requested back in XXXX that my credit report be flagged and notify me of any new inquiries but they failed to contact me. I have therefore frozen my account with experian and see if this works from having hard inquiries conducted on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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: Information belongs to someone else

Complaint:
Im upset chexsystems has cause may a lot of emotional and financial damage. They are reporting in accuracy information, which has caused me to get denied an opportunity to open a checkings account. Chexsystem has no contract with me to display this inaccurate information. They are showing two accounts that i was a victim of identity theft. I have a FTC report to prove this 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 2020-11-07
Company: Experian Information Solutions Inc.
State: PA
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:
Car was in accident many months ago and insurance paid of loan except gap which the company would not agnolige the payment from gap for a couple months telling me I had to still pay car payments and then kept reporting my late and still havent taken it off my credit. It was paid off along time ago and I shouldnt of had late payments or even still had it on my credit

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 2021-04-19
Company: Experian Information Solutions Inc.
State: IL
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 made Payments On the loan on XXXX and XX/XX/XXXX and XXXX XXXX reported it as late non payments which is false. XX/XX/XXXX XXXX XXXX Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). XXXX XXXX never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from XXXX XXXX to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. XXXX XXXX dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with XXXX XXXX. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by XXXX XXXX is adversely affecting 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 2022-08-12
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On Friday XX/XX/2022 I received an alert regarding my PNC Bank Savings Account in which a check was provided for payment in the amount of {$2000.00}. My savings account was over drafted due to this fraudulent activity. What is most concerning is that the check is coming from The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and is made payable to XXXX XXXX. This check fraud because it has my savings account number on the bottom of the check. I have never in my 40 years of being a banking customer had checks under my savings account. This the 6th time that my bank account with PNC has been targeted for fraud. I have been informed numerous times that my accounts are on high fraud alert, and I just don't understand how this problem keeps happening with no consequences to these fraud thieves. I have taken all the necessary precautions to protect my credit and my bank accounts personally and the problem hasn't been solved. I am currently still waiting to get my money back from a previous dispute regarding a check that was cashed for {$2000.00} back in XX/XX/2022, and now this other fraudulent transaction happens again, and I am left with once again going through the dispute process and bank account changes. Your attention to details on this matter is crucial and needs to be properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: FIRST HORIZON BANK
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:
I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: REGIONS FINANCIAL CORPORATION
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:
I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.

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 2017-11-03
Company: Integrity Funding Ohio, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX2017, I borrowed the amount of XXXX USD. My purpose for the loan was that I was going through a divorce process. Since I have lost one of two jobs that I was holding, now I am unable to pay the amount of XXXX per month. My income can not cover this amount. I tried on many occasions to get this payment amount lowered. Integrity Funding XXXX will not work with me on a lower payment options. But instead XXXX ( Loan Rep ) yells and threatens to sue me and even threaten to call my boss to let him know about this debt, in which it puts me at risk to lose my job. Also they threaten to even repo my vehicle. I want to pay this loan, but at an amount that I can afford. I ca n't take the threats or harassment anymore. I am stressed, also XXXX from the loan company ( integrity funding ) did not even provide an mini-Miranda? Or even verify my DOB or Social? That is an FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: U.S. BANCORP
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
To Whom it May Concern : On XX/XX/2021 I withdrew my exact payoff amount of {$23000.00}. I opened an account with US Bank to pay off my lease through US bank. I did this hoping to make the process as smooth and easy as possible. I called the bank several times before to verify I was sending them the correct documentation. 

US BANK told me numerous times over the phone that if I overnight the check and documents, they would send it back with my title within 24 hours. On XX/XX/2021 at XXXX XXXX my check for {$23000.00} along with proper documentation was sent to US BANK. My check and documentation was received on XX/XX/2021 at XXXX XXXX. 

It is now XX/XX/2021 almost a MONTH later and I still have not received my title. I spoke to yet another representative who told me, " I have devastating news, your title has still not been sent out. '' From the utter confusion that these customer service reps have, to not receiving a manager call back, and waiting over a month for a title when I was told several times I would get it within 24 business hours ; this is utterly ridiculous and predatory towards the consumer.

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 2022-03-09
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage with Mr. Cooper. My property sustained damage due to a fire XX/XX/2018. I have fought viciously with my insurance company to pay for the damages for over 2 years. In this time I not missed a mortgage payment. The insurance company finally release a large payment to myself and my mortgage company. At this time the mortgage company is refusing to release any further funding so that I can complete more work on my property. This is causing a hardship for my family. I am asking Mr. Cooper to release further funding so that I can complete more repairs on my home. This is an urgent matter and I am facing hardship everyday that Mr. Cooper holds funding that is made for the repairs on my home. Please assist me in recovering this monies for the repairs to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not open a XXXX XXXXXXXX accout

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
OnXX/XX/XXXX, I and XXXX, where I am a XXXX XXXX XXXX, signed an agreement that I would receive 4 credits in XXXX XXXX for my XXXX. This was based on meetings at the accounting department, conference calls and emails between The Department Chair, Advisor and Registrar.
The 4 credits were crossed out and reduced to 3. I received some explanation that did n't make sense, but did not make a fuss. OnXX/XX/XXXX I called the school and was told that I have to pay in order to view my unofficial transcripts. I immediately allowed the system to make payment. However, I saw that there was no title to the course, just a generic course type XXXX XXXX.
I contacted the registrar, bursar, bank, Chair and Advisor. How could this be. Our signed agreement specifically states the course title and amount of credits. Unfortunately, the only way for me to see that was AFTER I made payment. Their response was unsatisfactory. I sent written notification to the bursar tgat they are unauthorized to makethe payment.
I contacted the bank. XXXX refused to help or stop payment. I asked for a supervisor. XXXX at extension XXXX left me on hold until the call timed out. I sent written notification to the bank.
I do not need the credits to graduate, but wanted the specific tax course notation on my transcrips.
I will be contacting the Attorney General 's office and am waiting for XXXX XXXX XXXX to contact me with the address to send a formal complaint.
Meanwhile, as HSBC was unresponsive, I ask the CFPB to ensure that this unauthorized charge does not go thru. I did not get what I was told that I would get. I had to pay to find that out. The bank refused to stop payment despite my call and email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I transferred {$35000.00} as a loan to a longtime friend ( more than 20 years ) in XXXX Citibank later contacted me by phone to ask me WHY this was sent? I refused saying if they need this information for legal reasons to send me a letter so I can review this with my lawyer. The letter never arrived but in XX/XX/2021 Citibank closed my Citibank Priority Checking account that is used for international transfers They also closed all my credit card accounts claiming I had violated their rules in transacting business I met with my local Citi Bank Manager who could also not understand what I had done wrong and who after discussing with his boss advised me to request them to be more specific They replied with almost the same letter so I sent a Presidential Letter Unbelievably I got the same response with a link to all the Citi rules for transacting business I still can not understand their actions so I am filing a complaint Please understand I have been a Citi customer for over 30 years and have never been late or missed a payment

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 2021-04-19
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year in XXXX XXXX-I was able to see my online amortization schedule after login into my Mr. Cooper 's account. I need to see it as I make additional principal payments and I want to know how it impacts my loan maturity date and plan accordingly. Mr. Cooper shows me different $ $ $ figures and different maturity places- 4 different-in the online account. Since XX/XX/2021, -I am not able to see my online amortization schedule after login into my Mr. Cooper 's account. 

I am following up with Mr. Cooper since XX/XX/2021 regarding the same. During end of XX/XX/2021, I was told that they will do that in 7-10 business days. But still I can not see it. On XX/XX/2021-I had chat regarding the same ( attached ). 

In the absence of online amortization schedule, I have to request it and it takes around 7-10 business days for me to get it. 
As I am not able to see my online amortization schedule on my own, I might make more additional principal payments and then I need to work with Mr. Cooper on the phone to get that back. 

Mr. Cooper hire cheap XXXX staff to work in IT which is reflected in the overall work in the website. Please hire smart folks in IT ... i know two of my neighbors who are XXXX - who are working for Mr. Cooper. I never saw them working ... they are always roaming outside of their home during COVID-19 remote work ( during remote work ). 

Moreover on XX/XX/2021, I ask some very specific questions to Mr. Cooper. Mr. Mr. Cooper hasn't provided the answers for them till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had several problems with this company originally I took out the loan with XXXX XXXX and it changed to Navient, when I filed bankruptcy, then immediately took action against my mother who was the co-signer, I tried to settle the debt and they wouldnt accept, Ok all this is fine and legal. However ... they never send statements, then when the XXXX per month payment is late they charge XXXX late fee, although they have n't sent a statement. When I ask for an auditing of my account they refuse, when I ask for a statement they refuse. They are hard to work with and anytime you ask for any sort of statement, or any sort of paperwork they refuse, if you ask for a supervisor, they refuse. You can not get any of the rights you are afforded under the law with this company.

Company response to consumer: Closed with explanation