BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Every month when I make my payment, I choose the Custom Pay option and pay the minimum on one loan and an overpayment on the other in an attempt to pay it off faster. I have kept track of my payment amounts and balance amounts since XX/XX/XXXX though I have been doing it this way for much longer than that ). Every month when I would log in to pay, I viewed the balance information and noticed that they consistently disregarded how I wanted the extra money to be allocated. I called on XX/XX/XXXX to discuss. The rep told me that she recommended that I make the minimum payment then log back in after several days to make an additional payment, which is ridiculous. Why have the Custom Pay option if it must be done that way? She also said she would put in a ticket to have the payments fixed from XX/XX/XXXX going forward ( since thats how long my records went back to show how much was being allocated to each loan ). I never heard anything else from them regarding this. The payments were never fixed. I continue to pay this way and each month they seem to disregard how I want that extra money allocated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
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: Account information incorrect

Complaint:
have been effected by COVID-19 due to lost of employment. I informed XXXX XXXX ( XXXX ) of this information and still continued to make payment on account. My account closed when payments were being made. It is my understanding that creditors should not do anything negative to consumers credit during this pandemic for those who were affected. You used information reported during a Pandemic and not based on my paying history. Your closing my account with a remaining balance has cause a negative impact on my credit report. According to XXXX XXXX, Information was given by Trans Union that acccounts were reported negatively in XX/XX/2020. All negative items were disputed and corrected by other creditor and Trans union continue to report negative information against the Care Act Bill. after I provided information from the creditor showing negative information was being removed from credit report. This information was provided to to TransUnion through previous CFPB complaint filed.

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 2019-06-05
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am pursuing the public service loan forgiveness program for my school loans through XXXX XXXX and they have not counted years of payments. I continue to call to verify the payment recount but they can not provide any update or estimate. In order to complete the program they must count all the appropriate payments made to verify the number of remaining payments. 

I was informed there are terms when more information is needed to count payments and it will be in review again. 

XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CITIBANK, N.A.
State: CO
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 was shopping at Macy 's on Sunday XX/XX/XXXX in XXXX XXXX Colorado. I wanted to use my Macy 's card. The clerk, whose name I remember is XXXX, told me my current card was expired and I had to apply to renew my card. 
I was a bit confused but agreed, he did not tell me this was a brand new credit card with American Express. I was not informed of anything. This is total fraud. 
I only knew when I looked at my receipts later where it said I had a new Macy 's American Express card and it was separate from my current card. 
I went to the service desk where people return items and someone said sorry and I believe she also lied to me, saying that in order to use my existing card again they would have to do a soft credit check anyway so no big deal and she would talk to XXXX. 
I feel violated by this action.

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 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
fcra violation name are inaccurate making credit information inaccurate

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 2019-02-20
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:
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report. 
An FTC had been filed and a police report will be filed. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2020-07-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to set up my XXXX  account to link to my PNC checking account for a long time now. Every time I try it comes up with an error that says PNC made changes to not allow me to link it. I would like to begin investing but I am unable to use my investing account because of this. The only options left are to file a complaint or change banks which I would not like to do. I need PNC to change this and allow access to transferring money to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I'm seeking you out today in regards to AFNI COLLECTIONS. 
This company has been calling me and harassing me to pay a debt i do not owe. 
I have asked them several times to stop calling me and to take me off their call list. My wife and I are in the process of becoming 1st time homeowners and i'm worried that if this issue is not resolved i will not qualify for a mortgage loan. Afni has not mailed me any documentation pertaining to this debt. I have mailed them a certifed debt vaildation letter request and they have not mailed me anything back yet. On XX/XX/2020 i spoke with XXXX, who stated if i didn't pay this debt of {$170000.00} that they would call the DMV to suspend my license. I do not believe they have been using fair communication tactics.

My wife is XXXX  and this is causing so much stress because we want to welcome our XXXX  in a home of our own, but this is currently hurting my credit and driving priviliges. 

Please let me know how you can help to resolve this issue. 
XXXX Bless!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # ending in XXXX for XXXX XXXX, Acct # starting in XXXX for XXXX XXXX, Acct # starting in XXXX XXXX XXXX, Acct name XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates, LLC knowingly opened collections accounts on XX/XX/XXXX without sending out any type of initial notice of debt, also the accounts were included in my Chapter XXXX Bankruptcy. 
PRA then attempted to file claims in my Chapter XXXX case after the 341 creditors meeting on XX/XX/XXXX and XXXX, XXXX that were denied as untimely. 
PRA admits they failed to send out initial communications on XX/XX/XXXX, but alleges sending out an initial communications on XX/XX/XXXX. 
During a telephone call on XX/XX/XXXX, PRA firmly states they can not prove they sent out any communications, but refuses to remove the fraudulent collections from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: WA
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:
Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 I spoke to man that worked for quickened loans, we came to a halt because I didn't have my w2s handy so we agreed that I would get those documents and call him once I did, during out phone conversation he never once asked what my credit was let alone ask permission to run my credit score. Tonight I received a notification that I got a hard inquiry by him again without even talking credit or permission. I would only authorize someone to run my credit if I know the deal was going to progressive and had all documents needed. I would like to know what to do next because I feel this is very unprofessional and against the law to do that without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Paypal Holdings, Inc
State: CA
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 a PayPal account and a PayPal credit card and a XXXX XXXX Checking account. 
If I use PayPal, or the PayPal credit card the charges are then debited from my XXXX XXXX Checking account.. 

Recently there were two fraudulent and unauthorized charges I was alerted to by PayPal.

One was a debit from XXXX for {$240.00}. I contacted XXXX and they said there was no record for that amount and date for purchases or charges anywhere on XXXX. They said it was most likely fraudulent and I never authorized it. 

The other was from XXXX XXXX for {$50.00}. I did make political donations to politicians during the election cycle and I noted each in my checking account. I STOPPED making any further contributions after the last elections in Georgia. This charge was not one I had authorized and it was dated AFTER the last election and was not one of the ones I had checked against my checking account. 

I disputed both with XXXX XXXX on my checking account and they researched both of them and determined they were fraudulent and XXXX XXXX noted in writing " We have completed our research of your inquiry and returned the charges unpaid. As a result no money was deducted from your account '' I have filed two claims disputing both charges to PayPal and each time they have denied my fraudulent/unauthorized claims and I even spoke to PayPal people several times and quoted XXXX XXXX to them and then filed a dispute with them on their denial. 

They are still denying my dispute and claiming that I owe them {$290.00} for both fraudulent charges. Please help me get this resolved. They keep sending me notices and phone calls. I should not have to pay them since XXXX XXXX returned them as unpaid and determined they were fraudulent and even XXXX says there was no purchase or credit so it was fraudulent and unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to contact Equifax on XX/XX/XXXX. I went to the link on XXXX XXXX ... .at the website i began to file the complaint and after i had given them personal information and my social security information, it proceeded to a page asking for my credit card details. I then called the phone number provided to submit a claim and it was a circular automatic voice menu which never allowed me to submit a claim by phone. there was NO phone provided to actually contact a real person at Equifax. Once I did get through and gave them all my personal information to then file the complaint, she then proceeded that she needed to verify my account with all the details of credit report, not one, not two but, pretty much more personal information that was unnecessary to the complaint at hand. I found that the request for this information was highly unusual and suspect. I finally googled how to file a complaint and proceeded to read about all the complaints starting in 2012. Why is this company still being able to report on anyone 's credit standing? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: MI
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 am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. 

In accordance with the fair credit reporting act *XXXX* XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. 

Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). 

The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. 
The account status is DIFFERENT with all three credit bureaus. 
The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. 
And again... all of this is PROVEN in the file attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: CA
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:
Consumers beware! If you are a Wells Fargo customer and you notice fraudulent transactions on your chipped credit card, report it as " stolen ''. My card was in possession, it never leaves my house and is only used for utility payments, but somehow there were multiple unauthorized transactions on my card. I've contacted Wells Fargo many times about this and they insist that those transactions were in fact authorized by me simply because the card is in my possession. The unauthorized transactions total over {$1500.00}, effectively eliminating my government stimulus. I am very disappointed in Wells Fargo and its fraud department being that I've been a customer of it since I was a teen. I've read about many scandals involving Wells Fargo, and I highly suspect a Wells Fargo employee to be the culprit. I urge all consumers, if you haven't already, to switch to a different 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 2020-05-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I refinanced my installment loan with ACE/populus on XX/XX/XXXX total due $ XXXXwith nobpayment due until XX/XX/XXXX. 
On the week of XXXX, I went back to the store location and asked the clerk if I were to make a early installment payment would my loan increase to {$700.00} or the max that I could borrow. 
The clerk XXXX plainly explained that my payments were due on the XXXX and I would not be late pay until after XX/XX/XXXX since the XXXX would be 9 days past my first payment due date that I can be 10 days late on. 
This complaint is about XXXX, Ace opolus employee, she called and left me the most basic collections message on XXXX. My loan was not due until XX/XX/XXXX. She had no reason to call me ahead of time, I was told by her in person that I can't refinance on XXXX when I arrived at the store to pay early but was told I had until the XXXX of XXXX which would be the 10 the day. 
My complaint is illegal collection practices and/or phone games if she is allowing others to refinance using my name since I am a victim of identity theft. Unsure why she called me, my loan payment was up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: PNC Bank N.A.
State: IL
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:
Hello, I requested to have this account closed and brought the balance to XXXX  to allow the bank to close it. As requested, PNC did not close the account and cause it to accumulate {$25.00} fees for two months, then they decided to closed it and send it to collection. They never bother to call me about this. 

This affected my credit score. I am about to refinance my home this damaged my score. My credit score was over 800. 

I asked them to close the account in writing, through the messaging system. It's unacceptable they denied my request and allowed fees to accumulate. 

I want them to grant my previous request in writing, through the messaging system, to close the account, the request was done before the account collected any fees, then, they need to correct the derogatory remarks on my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25
Company: TD BANK US HOLDING COMPANY
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
CALLED TARGET RED CARD I FOUND FRAUD FROM XXXX I DID NOT PURCHASE. I ASKED FOR NEW CARD TO REPLACE ONE ENDING a XXXX they said i had to call back rep was hard to understand poor English. i need a new card and all XXXX purchases are FRAUD i did not order or authorize i think a cleaner for my home did it not sure. please send card and return funds for fraud. i will report to police as ap given the pandemic. i should not have to call again

Company response to consumer: Closed with monetary relief