BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: Bread Financial Holdings, Inc.
State: NY
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:
company reported a 30 day late on my account in XX/XX/XXXX during the pandemic in error, they did apologize for the mistake and fixed my 3 credit bureaus, but today XX/XX/XXXX i logged into my account and they changed my account credit limit from {$5900.00} to {$750.00}! Even though they recognized they messed up and cleared it, they reduced my credit limit as if I was a delinquent client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies

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 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX XXXX XXXX and all 3 credit bureaus regarding a PAID OFF account that was opened in XXXX. I haven't received a response in over 35 days. XXXX and XXXX has since deleted this account from my credit report while Transunion report is still open. It is well over 30 days again and the account still hasn't been updated or removed.

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 2020-05-08
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 discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized 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 2020-09-15
Company: Fair Financial Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I used an online service to lease a car month by month call Fair at the beginning of XXXX. The car leased was a XXXX XXXX XXXX. I was paying around XXXX usd every month for the payment of the car. The company Fair charged in advance the monthly fee, so when I returned the car in XXXX of XXXX I already had paid in advance for the next month. Today is XX/XX/XXXX of XXXX and I still dont have the refund of this fee. Ive complained already through their XXXX page but I didnt received any response. This is their page https : //www.facebook.com/fairtheapp/ Then I started to sending emails until finally I received a response that theyll sent the refund but havent sent anything and now they dont event want to reply back ... this is their email of support ... 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with PNC bank. I attempted to pay a principal payment over PNC bank website and the site is unable to accept a principal only payment. I find this constrictive and called PNC bank to investigate and was told this wasn't possible over the computer. I was told the only way to pay down extra towards my mortgage debt was send in a check and call them to have it adjusted to principal or pay a {$7.00} fee to process the payment over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a copy of my credit report and there is an account. I am not familiar with any account with Enhanced Recovery. I have reached out to Enhanced Recovery and have been unsuccessful in communication and verification of any debt with this company. I am requesting Enhanced Recovery remove this account from all XXXX, XXXX and XXXX. Please find the attached letter to Enhanced Recovery. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT FILE AND THE CREDIT BUREAUS ARE NOT HELPING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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 discovered an account that does not belong to me from a company called XXXX XXXX. I was made aware of it today XX/XX/20 when I was rejected from renting an apartment that I applied for due to this account being in negative standing. This account does not belong to me and I did not allow anyone to open this account on my behalf using my personal information such as my name, social security number or address. I did not benefit anything form this account and I did not make any payments to this account. I am not affiliated with this company whatsoever nor do I have any formal contract or agreement with them. I have filed a complaint with the Consumer Financial Protection Bureau as well as a police report regarding this unauthorized 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 2019-01-29
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint claims a check was issued and sent to the Tax Collector to pay for property taxes. Said check was never received by the Tax Collector and I had to pay for property taxes out of my pocket to avoid late payment fees. Bank is unable to track payment, refuses to provide proof of payment and credit my escrow account. I requested escrow account to be closed several times but haven't been able to get a response from the bank. I proceeded to send payment for principal and interest only, now the bank is threatening to report me to credit agencies for late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have an account with Robinhood Securities, LLC. Robinhood does not provide the cost basis of securities in the app or otherwise after a stock forward or reverse split occurs. I've complained about this issue to Robinhood many times. Every other broker I have provides updated cost basis information. Robinhood has refused to make this change, or confirm this information for me. Please mandate that Robinhood provides accurate cost basis information. As a consumer, I am relying on a financial institution to provide me with clarity about the investment products I am buying through their brokerage.

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, INC.
State: TX
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 should not be reporting that I am ( 120 ) days late with a current balance on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of a lates is seriously harming my credit score and these line items either need to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information. I have contacted the bureau to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted debt collection agency to settle the debt, they refused to take my call said they only do it through email. i emailed the company and they did not respond. I repeat called asking to have this resolved and handled. They were rude and refused to speak with me hung up on me. They have hung up on me and refused to speak to me civilly to handle debt. they have blocked my number and refuse to speak with me to allow me to pay off debt. the man I was told was the only one who could handle my account cut me off from speaking several times and hung up on me. I have never heard of a company that refuses to let you pay it to have it taken care of. I understand that companies do not have to take a settlement however, they should allow me to be able to pay the balance to begin with

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 2018-02-25
Company: Experian Information Solutions Inc.
State: CT
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:
unlawfully add inquiry to my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
There is hard inquiries on my credit report that were fraudulently done and there is old collections accounts that I disputed forever ago that either do not belong to me or the accounts were charged off at the end/beginning of new year.

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 2020-05-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a credit card to be used for an international trip in XX/XX/XXXX. I let the bank know I never received the credit card, it was closed and I received another card. Shortly after my trip I paid the balance off and closed the credit card the following month. XX/XX/XXXX I noticed monthly payments were taken out of my checking account ( Total amount {$570.00} ) I called and complained of fraud. They said the payments were going towards a credit card and the only one I could think of was the one I used for my international trip which I paid off in full and closed. Another major issue was that I never authorized these auto payments towards this credit card and I complained about that. I was told the balance on this card was the annual fee that was never paid and it inured interest - there were no purchases made so the balance is only annual fee and finance charges. I made the full payment and closed the card therefore there should not be an annual fee nor finance charges. The bank has made a huge mistake and making me pay for their mistake. I've had other international cards, paid them off in full and closed them. This one they failed to close when I requested it. 
Theyve sent to collections and ruined my credit history. They also did not renew my current credit card which expired XX/XX/XXXX which Ive had for many years and always paid my monthly balance in full. Ive been a loyal customer to this bank for over 20 years. This has caused me extreme stress, very upsetting and disappointed with this bank.

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 2022-03-01
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I opted- out form receiving offers, the sale/resale and requested the suppression of any information pertaining to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Vehicle was repossessed on XX/XX/2019 for disputed payments. After several unsuccessful attempts to reach company was finally provided a fax number to submit my payment history. I was notified via letter that property would be sold on XX/XX/2019. On XX/XX/2019 I submitted payment history evidence noting omitted and inaccurate payment history. I requested return of my vehicle and have not met with a response.

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 2019-08-26
Company: EQUIFAX, INC.
State: OH
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: ID
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:
Hello, I was unable to find the correct option for my complaint as it was not available on your menu. However, the complaint is still important and in need of your help. I have an Experian account that I have been trying to cancel since XX/XX/XXXX2018. I have used the proper phone numbers provided by Experian on their web site and was kept on hold for over 45 minutes the first two times I made this attempt back in XX/XX/XXXX 2018, and yet no customer service rep picked up my call. 

I discontinued the credit card I was using to pay for my monthly Experian report due to this inability to cancel my membership and I made two additional attempts to connect using the proper phone channels and had the same experience with being kept on hold for longer that 30 minutes and still no customer service rep picking up the call. 
I work two full time jobs and it is almost impossible for me to have enough time to sit on the phone for these long periods of time in hope that for someone Experience will eventually take my call.. 
This morning I spent the past TWO hours on hold ... I used the two different phone numbers suggested by Experian and I XXXX to see if anyone out there could guide me to a more successful strategy. 
I found an email address and sent my complaint and request for canceling my account but was told that the only way I can cancel my membership is through the very same numbers I have been dialing this entire time. 
I am now getting emails from Experian stating that I now owe them for my membership even though I have done all I can think of to get this situation resolved. THIS is absolutely unacceptable as their membership documents state that my membership is not cancelled unless a customer specialist does it for me. So, how am I to cancel my membership as they request if they do not pick up their calls? 
I hope you are receiving other complaints from Experian customers who are trying to discontinue their membership so that you can help Experian develop a successful strategy for other consumers who simply wish to discontinue their membership and help those of us who simply wish to discontinue our membership.

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 2019-08-26
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: Information belongs to someone else

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX  US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXX XXXX XXXX HXXXX XXXX XXXX  There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2018-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion XX/XX/2018 File # XXXX XXXX XXXX I gave Transunion copy of application that XXXX XXXX gave me. The application had a different middle initial than mine. Transunion have been given proof that the account is not mine and still will not take it of.

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