BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: IL
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:
THESE INCORRECTLY DOCUMENTED INQUIRIES ON MY REPORT ARE DRASTICALLY DROPPING MY CREDIT SCORE AND STOPPING ME FROM FUNDING I NEED TO SUSTAIN MY LIVING WHILE ALSO DELETING MY CHANCE OF GETTING MY MORTGAGE LOAN AND STARTED MY LIFE 'S PLAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Outsourcing INC, was PAID IN FULL by Cashier 's Check with a letter of agreement to report to three credit bureaus. I also submitted a letter that indicated that if the cashiers check was cashed then the company agreed to update credit file within 30 days. Convergent has NOT updated my credit file and it has been over 90 days since they have received the FULL 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 2019-04-23
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Keep your Home California had approved to reinstate me. 

I had requested a re instatement quote from XXXX dated XX/XX/XXXX for the amount of {$52000.00} that was good thru XX/XX/XXXX. 

Keep your Home California requested their 's about 2-3 days later since they were ready to re instate and need to request there own. There re-instatement amount was {$72000.00}. 

How Is it that XXXX Provided Two Reinstatement Amounts within the same dates yet {$20000.00} more to keep Your home California Knowing that Keep Your Home California max re instatement assistance is {$54000.00}. 

I then contacted XXXX, which told me that they would accept the {$52000.00} from me if I made a payment in the {$52000.00} amount by XX/XX/XXXX but would not take that amount from Keep Your Home California. 

Keep Your Home California said they would pay the {$54000.00} if I could show proof that I paid the {$20000.00} difference which I was more than ready too. 

XXXX told me that they would not accept two separate payments, they would not accept {$54000.00} from Keep Your Home California and the {$20000.00} from me. 

XXXX changed the amount of the re instatement in order to proceed with the foreclosure, they refused to allow me to cure my past due amount. 

I just submitted a modification on XX/XX/XXXX and as of XX/XX/XXXX they have said it is a complete packet yet continue with foreclosure instead of putting it on hold to review application ( dual Tracking ). 

I have submitted several modification applications which have been denied. Now they are telling me my loan has no options available. When I ask why they are telling me they can not offer me a lower payment. I am not looking for a lower payment I could pay double the payment I have told them that since the beginning. 

why would a XXXX refuse to take the full reinstatement amount. why did XXXX not want to separate payments what reason do they have not accept money beside wrongful foreclosure. 

XXXX PHH have done everything to set me up to have no other option but to foreclose on my home because they know my home is in a desirable area and is worth more than what I owe them. they are attempting predatory foreclose on my home for there gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Multiple times with the latest being XX/XX/XXXX chase has manipulated the order credits and debits come out of the account so they can collect late fees. I have receipts and screen shots showing a positive balance after a deposit and the next morning there are multiple bounced checks. First time i brought this up it was made right and I was told deposits have to be made before XXXX no mention of eastern time. This last time i made sure my deposit was before XXXX and now they are saying XXXX eastern. Their reps should no this stuff. On top of this they organize the transactions so they can maximize the amount of things over drafting. they had a class action lawsuit XXXX dealing with this exact same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed an account on my credit file that did not belong to me. I reached out to rent recovery solutions to make them aware of the identity theft issue I experienced. I spoke with the executive  VP, XXXX XXXX, and he prepared a letter stating the account was not mineand needed to be removed from my credit file. He claimed he would electronically send the credit bureaus a removal order. XXXX  claims they did not receive this order. For over a month now, I have left voice mails and sent emails to rent recovery to resend this order to remove that fraudulent account. No reply from rent recovery and no resending of the order. The ignoring of my request is rude and they need to act by law and transmit this order to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of Identity Theft and notified the debt collector of this and the only debt verification they sent back to me was a BILL. As the law states this is NOT significant proof of debt validation further more I have never received such bill and the name on the bill is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I have a student loan with HYUNDAI MOTOR FINANC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called HYUNDAI MOTOR FINANC and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Equifax and HYUNDAI MOTOR FINANC with no successful resolution. Equifax only reporting me 30, 60 and 90 days late. There was an error on their part. I was  never 90 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
Hyundai Motor Finance charged my wife and I for a personal property tax and late payment fees on our leased XXXX XXXX XXXX without informing us of the tax charge. We are on autopay and pay our bills timely each month. We were never informed that there was an outstanding personal property tax charge or associated late fees. 

Today, XX/XX/2020, we learned that our credit scores were destroyed by Hyundai, which claimed to the credit bureaus that the personal property tax and late fees were delinquent. We were never made aware of the situation, via email, phone call, or regular mail. In fact, we only receive monthly emails that our autopay payment has been received. 

We reached out to Hyundai Motor Finance today to no avail. We will not be doing any further business with Hyundai when this lease is over.

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 2017-11-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I purchased a mattress at XXXX 's in XXXX XXXX XXXX on XXXX  2017. The salesman convinced me to buy it through a financing program they offered in store in order to qualify for 0 % interest on the purchase of the mattress. I just noticed that the purchase had a 30 % interest charge that was deferred for 12 months and then added to the principal balance and the 30 % rate continued to be applied to new balance. 

The salesman said that if I enroll in autopay that it will automatically deduct the necessary amount to pay off the balance and I would n't be charged any interest. I feel I was tricked into signing up for this and now I 'm paying 30 % interest.

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 2020-08-03
Company: U.S. BANCORP
State: OH
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:
I had gotten my deposit from PA XXXX and US Bank had the wrong account on file and set my card to I called back to have it changed when {$10000.00} was deposited into my account they informed me that I had to wait 5 business days for a address change to go through and I could have a card expedited I waited the five days and then upon calling them again they informed me that I have to wait another five days before they would expedite me a card so I chose standard shipping on it and now the card has been waiting for 4 days to be mailed in has not been mailed yet I feel that I am being discriminated against and I am going through a lot of personal grief and heartache to have to pay bills in my rent and facing eviction in my water being cut off because they can not get me my money or will not get me my money

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 2020-05-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
i made was in line at home depot on XXXX in XXXX ny. a store employee approached me and told me if i get the home depot credit card i would get XXXX dollars off the purchase in store and XXXX dollars off my first bill. i believe this was in XXXX. i signed up for the card but did not have my id so i could not use the card. i got my id a couple weeks later and went back and spent XXXX $ on the card. i asked the clerk several times if i would be getting XXXX dollars off the first purchase and XXXX  dollars of the first bill and the confirmed i would several times. i was glad i had to go get my id actually. i felt like being able to talk with someone else would really confirm the great deal the other employee offered with this card. so i made the puchase and was never granted XXXX dollars off my credit card bill. i called the home depot credit card department and talked to a superviser they said call the store. i called the store and they confirmed the promotion was correct and i should have gotten the XXXX $ off but told me to call the home depot credit card department again.

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 2020-01-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
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:
I pulled my credit report and I notice a derogatory collection account on my report from a company named Wakefield & Associates. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I requested recurring online transfer from my Business checking account with PNC Bank. During payment scheduling, I selected wrong account with the same bank. 

Now, I am trying to STOP IMMIDIATELY ALL RECURRING PAYMENTS from the wrongly selected account. I tried deleting online but do not see delete option. I called bank 's customer service and she said that she can not do it and I have to wait till the Delete button becomes enabled.I also tried sending them email but they do not receive email complaints. I have accounts with other bank they are always available.IS PNC BANK IS IN DIFFERENT LINE OF BUSINESS THAT THEIR ENTIRE STAFF IS NOT AVAILABLE ALL THE TIME TO CUSTOMER AND NOT RECEIVE ANY COMPLAINTS??? Hard to believe this non sense. 

I need help here and stop it asap.I must have tried calling bank at-least 10 times but you get standard recorded response and no one helps to resolve such a small problem. This is an issue with the PNC ban 's system. 

I am really tried calling bank but no success. I am not left now with any other options but to file a complaint. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 146 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 146 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BAM Management US Holdings Inc.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have had nothing but issues with Binance.US. the company is aware of their inefficiencies as I have many screenshots to prove it. i initiated two separate withdrawals on XX/XX/2021. One withdrawal was done through ACH totaling up to {$78.00}. The other withdrawal was done through wire totaling {$85.00} ( {$100.00} with the {$15.00} wire transfer fee ). I never received emails to confirm these withdrawals and my money is stuck in order. I have reached out to Binance.US and I am now blocked from all forms of contact. customer support emailed me to tell me I had an outstanding balance in which I replied immediately that there is no such issue. Followed by a response apologizing for the misunderstanding and that they would look into my withdrawal issue. I have now received 3 replies that havent addressed the issue as I am explaining or they have said it will be handled. It has been over a week, the situation is not handled and they blocked me and closed my support tickets. My user id # XXXX my email associated with the account is XXXX my last support ticket # XXXX I am all out of options I did everything I could to resolve this issue and they are making no attempt to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, 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:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Williams & Fudge, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company called a relatives personal cell number regarding this debt. They already have my contact information yet got the contact information of people unrelated to this debt and have called repeatedly, dates as follows : XX/XX/XXXX XXXX cst This call was made from representative XXXX XXXX, phone number XXXX for Williams & fudge inc to phone number XXXX XX/XX/XXXX from phone number XXXX, left voicemail XXXX XXXX cst from number XXXX, left voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: CITIBANK, N.A.
State: PA
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:
I have been in USA two times as XXXX XXXX ( summer work and travel program ) .My first trip was from XX/XX/XXXX till XXXX XXXX.During first trip I opened XXXX XXXX XXXX checking account and close it right before I left a country at XXXX XXXX.Second trip was from XX/XX/XXXX till XXXX XXXX.During second trip I opened a XXXX XXXX checking account and close it right before I left a country at XXXX XXXX.From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA at XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within credit bureaus. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months, I found out information about credit reports/score/credit history. I log in to XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint is about Citi bank account ending XXXX which was open ( according to XXXX credit report ) XX/XX/XXXX with a credit limit XXXX $ and current balance XXXX $ ( XXXX ). I have never applied for XXXX XXXX XXXX XXXX XXXX received and never use ANY of CITI credit cards. I physically lived in XXXX-it 's no way for me to used this card.

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 2018-09-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I use the XXXX XXXX which works by connecting to my credit cards. XXXX works by seting aside my spare change From credit card charges as I go about my day with Round-Ups to the neareast dollar of all credit charges I make. Its been a super easy way for my family to save money and we are now up to a little over {$3000.00} dollars in just over a year which is hugely helpful to my family. 

This week I was notified that my XXXX XXXX MasterCard membership card will no longer allow external accounts like XXXX to connect to my account. I think I should be the one who decides who has access or who can externally connect to my credit card accounts. By XXXX XXXX  no longer allowing me to conect my XXXX XXXX MasterCard credit card which I want to once again connect with XXXX my family will be severely hurt. 

Again XXXX is critical savings tool to my family, so Im asking you to demand that XXXX XXXX once again allow me to externally connect my XXXX XXXX Credit card to external accounts and especially XXXX. 

Sincerely, 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 2020-05-05
Company: SUNRISE CREDIT SERVICES, INC
State: TX
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: Billing dispute for services

Complaint:
This is a formal complaint that SUNRISE CREDIT SVCS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.

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