BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Since our bank was acquired by PNC, getting information regarding our line of credit and our mortgage and making payments that are properly registered has been impossible. Hours have been spent on the telephone with customer service and other bank representatives, and these are generally circular encounters, achieving nothing at the conclusion. Messages to banking officers are often left unanswered. Late charges are accumulating despite on-time payments, credit scores will be affected, and we have been unable to find any effective measure to get proper assistance despite a face to face visit to a bank officer. Attempting to work with PNC is a literal nightmare. There is not one competent person with the right connection or information to meet our banking needs on existing accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Tried to resolve issue with XXXX debt reported on my credit. They advised that I would have to speak with the original credit about reporting the incorrect amount. I forwarded them emails to correct the amount and they refused to correct the balance. They read me notes that they received a call from an employee of the property that I was not responsible for the debt, but they said that they said that they needed to get paperwork from the property. I forwarded emails to the collection company from the property showing that I did not have a balance, but they said all they can do is forward it to their accounting department. I am just trying to understand why they are trying to collect on an account that shows that I have a zero balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
During the life ( XX/XX/XXXX to XX/XX/XXXX) of the loan I was undergoing severe financial struggles. Due to stress and lack of transportation at a young age, this was my first car loan and I made a bad choice when I purchased the vehicle. It had tons of severe mechanical problems that were extremely high in cost to fix that the dealership did not disclose. Most of the late payments that were made were due to trying to fix and maintain the vehicle to ensure that it stayed in working condition and I could not afford to pay the loan and fix the vehicle at the same time. The loan provider showed little to no remorse in such situation and did what they could to ensure the vehicle left my possession after late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on my XXXX and Experian reports.

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 2022-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Good day, one of my checking account ( ending in ... XXXX ) was closed by JPMorgan Chase with over {$9000.00} within it, however a great deal of it ( ~ {$6000.00} ) is currently being kept in suspense and would not be released to me. These were checks I received from XXXX XXXX XXXXXXXX XXXX XXXX for my commissions and bonuses when I was working there as a Life Insurance Agent. 

I have tried to contact customer service through phone numerous times and I was told that it is in suspense because verification from the maker of the checks is needed. However every time they tried to contact XXXX through a verified business number, they couldn't get in touch with the person needed to verify these checks. 

Of course, I have tried also to deal with XXXX  on my end, and it would be a simple process if they could call one of my manager at the branch office in XXXX XXXX at XXXX and have her verify these checks. However they mentioned that they can only contact XXXX through a verified business number, which is the Home Office in New York that they have so much issue getting in touch with. 

My question is why did Chase allowed these checks to clear and the money withdrawn from the maker if they weren't verified? 

The money was allowed to cleared and enter my account, of which Chase ended up closing to deny me access to my money. 

If the checks weren't cleared and the money was still in the maker 's hand, I could request XXXX XXXX XXXX to cancel these checks and reissue new one to me, alas that is not the case. If the checks were allowed to be cleared, I believe that is sufficient ground to prove that the checks in legitimate and a suspense is unnecessary. 

The money has been put on hold for over a week now, and I am in dire need of it to pay my bills, my rent, groceries, and various other expenses. I would greatly appreciate it if this issue regarding the suspended fund is dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian was advised that my car was totalled. Had loan with XXXX and GAP insurance through XXXX. XXXX short paid XXXX and now they are chasing me for the remainder, ruining my credit reflecting 60 days late. I was current with payments and had no finance or late charges.

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 2021-11-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I failed a dispute with the CFPB for Experian on XX/XX/XXXX stating that they are still reporting closed account and charge off and collections I have asked for proof of the validation requiring paperwork with my hand signature They have not but yet keeps closing my disputes and not removing the info they have failed to show proof this is my second time filing a dispute hopefully this gets taking care of I have sent them a second letter see law below They have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified.

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 2021-11-30
Company: AES/PHEAA
State: TX
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 writing to file a complaint against Fedloan Servicing. My loan was transferred to them after my application for XXXX XXXX XXXX was approved in XXXX of 2021. I attempted to recertify my XXXX XXXX loan plan with them however I believed that my updated payments were not accurately calculated. I submitted my paystub and requested a review of my XXXX XXXX application because I believed my payments were too high. I recieved an email on XX/XX/2021 indicating that my application could not be processed and more documentation is needed but the needed documentation was not indicated. I have not received any mailed letters from Fedloan Servicing and there were no update letters in the portal. I have called several times and waited on hold for upward of XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im a retired operating engineer and a lifelong resident of the area. Im also an XXXX veteran, and I feel Im being mistreated by my loan servicer TD Bank. I have pension and Social Security incomes and I believe my income is more than enough to afford a reasonable monthly payment. 

Ive been trying to resolve this issue of default with TD Bank for over 8 years after inheriting the property from my deceased sister. On multiple occasions I thought the problem had been solved by a loan modification. However, TD Banks modifications have been deceitful and dishonest ( fraud? ) each time. As soon as I sign the loan agreement and TD Bank finalizes the modification, they send me a mortgage statement which shows the new terms ALONG WITH AN OUTSTANDING BALANCE!! Whats the point of having a loan agreement thats signed and notarized if TD Bank will immediately contradict it by claiming there is still an outstanding balance and the payment is almost a {$1000.00} more per month because of it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
I contacted Midland funding and requested debt info the guy told me he could not give me the info and that I needed to contact XXXX XXXX XXXX. I asked who owned the debt and he said Midland funding so I told him by law they are required to give me the info since they are also reporting to my credit. They refuse to give me info. I also stated that if the original creditor was XXXX XXXX that the statute of limitations has expired. I have tried to dispute this several times with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an AmEx Gold Card, partly because there was a promotional offer to earn 75k points after spending {$4000.00}, and I had a big purchase to make which would help me reach that goal quickly. I also read that AmEx has an " Instant '' card feature, whereby you could get your card number immediately upon approval to use right away : the website says " Instant Card Number is available for all American Express Consumer Credit and Charge Cards. '' [ https : //www.americanexpress.com/us/credit-cards/features-benefits/digital-wallets/instant-approval-credit-card/ ] However, the language is confusing : while it says something about " eligible '' customers, it does not define eligibility in any meaningful way : only saying that it must " authenticate '' users. Because I have a strong credit score and history, I did not expect this to be a problem. 

However, after applying, I did not receive this feature, and chatted using their customer service chat. I got a lot of confusing corporate-speak, essentially telling me that I did not read the terms. I explained that I did, and that I felt as though this process were misleading : again, there is no detail on what makes someone eligible or not. More importantly, there is no way to opt-out of the application if one is not determined to be eligible. For a significant card benefit, I would think that I should have the right to cancel my application if I am determined not to receive this benefit. I was not able to make an informed decision about whether I actually wanted to proceed with my application. 
Instead, it just approved me for a card with different terms than I wanted. 

I was also concerned that I had now just had an inquiry on my credit report, which would " count against '' me. I asked to have this reversed and was told I had to call tomorrow during limited business hours. Online chat could not help me and there was no way to send an email or message. This is just ridiculous! If I could apply for a credit card and receive support online, why should I have to call the next day? I have spent over an hour now on this process, ultimately ending up without the card and now with my credit score negatively impacted -- and I'll now have to spend more time fixing this. 

I'm sure this is all above board legally, but I find it disingenuous and misleading. I should have known better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, {$750.00}. XXXX called and left me a voicemail saying that I needed to pay this amount or they was going to have me taken to court. Said that they mailed a letter to me 45 days ago which i have never received. I asked them for a " validation notice '' which he refused to send me one stating that it would give me another 30 days? Got his name and phone number and asked him for an address where to send payment to, which is a P.O. Box in California. I've tried to look up their company online and cant find it anywhere " XXXX  XXXX XXXX '' address XXXX XXXX XXXX XXXX California # XXXX. XXXX XXXX extension # XXXX Phone number XXXX. ID # XXXX. When i first called them they said they were transferring me to the legal department and put me on hold and someone picked up but never said anything for about 2 minutes so i hung up and tried calling the number back from a different phone and it said that it was disconnected. XXXX XXXX called me back on that number several minutes later. He stated that he had my email, ssn, address, phone number and email and was going to email me a letter to notarized within the next 40 minutes which i have yet to receive. The debt that I allegedly owe is from XXXX which after doing some research in the state of Ohio the statue of limitations is 6 years on any debt as of the last day the account was used or paid. I called who he said that the creditor was, US Bank  and they stated they sold the debt in XXXX to XXXX XXXX XXXX XXXX. I spoke with XXXX which said that a debt that old is out of its statue of limitations and that it sounded like a scam to him. He also gave me his main headquarters number XXXX and said i should call them as well. When i spoke to XXXX XXXX he explained that XXXX XXXX XXXX is who he was trying to collect the debt for now and after looking them up on the internet i seen that the owner is being charged in a {$76.00} XXXX dollar scheme. It just seems all to fishy to me. Especially when they are refusing to send me a written validation notice which is required by law.

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 2021-05-18
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is not allowing me to purge data that- is beyond statute. Is inaccurate. Is no longer appearing on other bureau files. This is creating an extortion on " old debt claims '', none of which have legal standing. This is harming me. It is keeping me from opening a bank account, from being able to open credit cards- or other loans. I demand this stop. I demand all data beyond 2 years be purged. Nexus as well. No more verify me w 7+ years of data before we attempt to act, nonsense. You were never given permission to collect this data- IT WILL BE REMOVED AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-12-26
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi, I am currently awaiting 2 x {$10000.00} withdrawals from Coinbase for over 10 days. The withdrawals appeared to be complete on Coinbases ' website but my bank account has not been credited. I attempted to make these withdrawals on the XX/XX/XXXX and XX/XX/XXXX. 

I 've contacted Coinbase support via email, created a ticket ( Case ID : XXXX ) on their website, contacted them via XXXX, and messaged their moderators/employees on XXXX and have yet to receive a response. 

This is worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXXXXXX

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