BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian refuses to remove a debt on my credit from XXXX XXXX XXXXs off of my credit In 2 different amounts totaling over {$3000.00}. First and foremost Theres no way I could have 2 active rental account for the same property and same times. That is illegally reporting fraud information. I have submitted proof that it is not accurate and I do not owe that company but they refuse to remove it from my account. I have submitted multiple documents proving that the account does not have a balance and it was closed ( moved out with XXXX balance ) in 2016. This is severely impacting my credit and I need it 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 2017-11-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express has been delivering our monthly statement around the XX/XX/XXXX of  each month and charges a {$38.00} late fee for payments not received by the XX/XX/XXXX of the next month. This has been an ongoing issue with XXXX for about three years. 

We received our XX/XX/XXXX statement on XX/XX/XXXX. 

I have contacted American Express three times on this issue. They have waived my late fees but have refused to address the problem. I have never missed a payment and always pay my full balance each month. My credit rating is excellent.
I do not believe American Express is following the Federal guidelines for time required for consumer payment and I believe American Express is intentionally profiting from their improper behavior. I believe American Express should refund all late fees to all consumers who have been improperly charged by American Express 's intentional misconduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender being SPS and my Investor being XXXX Bank refuse to assist me in keeping my home today. I have applied many times with what income i have between me and my wife and both the lender and the investor want to blame one or the other. The investor tells my lender for the reason to deny is cause it is a " business decision ''. This is NOT in any means a way to let a homeowner loose there home based on a " business decision ''. Per my lender on there website they have you enter your loan # and they let you know what form is needed and for my loan # was only a 2 page form and no other documents are requested, just these 2 pages of request for mortgage assistance forms. 
When i sent these forms per there request they will not even open my file to review it for nothing. I have and had a very strong hardship for the reasons i came delinquent. I can prove the hardship if needed but im never get this far with SPS. They just deny the file with no review at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: CA
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 received a notification that my account was 45 days past due. I have had this account since XX/XX/1995with no late payments ever. So I sought to understand how this transpired. 1. I received a new card with changed t
erms and XXXX disabled my auto pay. 
2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. XXXX processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call. 
6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other XXXX-not the account in question. XXXX authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 
8. So here I am with a 30 day past due on my credit report due to no fault of my own as XXXX disabled my autopay, processed payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report. 
9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.

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 2017-11-17
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:
I was a victim of fraud. I did the proper paperwork with the police department and Ftc. I submitted a list of accounts, the police report, ID and proof of address. I submitted this information on XX/XX/XXXX. XXXX and XXXX removed the information in less than 5 business days. Equifax has refused to review the police report, supporting documentation etc. They told me that the have to verify it from the creditor and not the police report or affidavits. This is a clear violation. I spoke with a manager on XX/XX/XXXXaround XXXX est and was advised could take another 30 days. In the meantime my ability to pass a background check for employment as well as extensions of credit is greatly impeeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau, Please review the attached letter that details the issue with XXXX XXXX XXXX and XXXX. 

I disputed the account showing up on my credit report at beginning on XX/XX/2018. I received the attached response from XXXX XXXX XXXX On XX/XX/XXXX. 

Please help resolve this issue. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was using my PNC debit card this Monday XXXX to take my daughter to the zoo. I had all of my money accounted for and knew how much I could spend at the zoo. I only bought 1 bottle of water for {$4.00} and there was plenty of money in my account. 

I woke up the next day and saw that my PNC account was somehow overdrawn. They also decided to take all the money out of my savings account, which was about {$240.00} and placed it into my checking account, which supposedly fixed the overdraw. Even after transferring the money they then decided to charge me {$39.00} three times for a total of {$100.00}. 

I called PNC and was put on hold for about 25 minutes. When I finally was able to get a person to talk to they had no clue what they were doing and did not want to help me. I eventually just hung up on them because they were not being helpful. 

I called PNC bank and finally got a hold of someone that tried to help me. I wanted them to explain how I was over drafted and I wanted the fees refunded. They were not able to explain to me how my account became over drawn and they also refused to return the {$100.00} in fees. 

I asked to speak with a supervisor, but apparently, they did not have one available to speak with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: MO
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:
I was contacted by Experian that a hard inquiry was on my credit report from XXXX XXXX. I found that odd because I've had a XXXX XXXX card for many years. I looked it up & saw that it said " a lender requested a copy of your credit report for a home retail loan. Every time you apply for credit, a " hard inquiry '' is placed on your credit report and it may stay on your report for 25 months. '' This is listed as coming from XXXX. A few weeks back I did apply for a credit increase online but it was immediately declined so I know credit was pulled then. 
I called XXXX XXXX today & asked about my credit being pulled today. They admitted it was but never told me why. They said they couldn't remove the inquiry & I'd have to talk to the credit bureau about that. I'm trying to rebuild my credit, I even told them that & that they were the ones that had to take care of the inquiry, not the credit bureau. They said they couldn't do anything about it. I had to talk to the credit bureau. I ended that call with no answers about why that inquiry was done and why they refused to remove it.

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 2021-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This account has been paid in full and closed. I was shocked when reviewing my credit report and found late payments reported for XXXX and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that there was an error in my payments being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : 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 explanation
Consumer complaint received 2018-08-05
Company: CITIBANK, N.A.
State: IL
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:
Citibank is not handling a valid fraud case, and I have opened it four times and submitted supporting documentation and each time they ignore it. My balance is now {$5300.00} account ending in XXXX. I opened this account several years ago to pay for ONE semester left of XXXX XXXX and I finished that year and then my college accidentally charged me for another semester, even though I had already XXXX, finished my schoolwork, and XXXX. I have proven this with varied documentation from my university but Citibank refuses to help even though, by Law, they are bound to do so. 

I am now XXXX and living on XXXX. I have XXXX XXXX XXXX. Citi is reporting this account to the three credit agencies each month and they have ruined my credit. I have stopped paying on this account because these charges are not mine! I have been so sick that calling in is very difficult most days but I have been able to write emails, fax and snail mail letters, and in all I have sent about 31 and I have kept detailed records of each. Citi continues to blow me off and as a XXXX person this is discrimination. I need this account to be cleared off of the Charges that are not mine which is the bulk of the balance through XXXX, University XXXX XXXX XXXX. 

I have read through my legal agreement with Citi and it clearly states this is their responsibility to do. I have also talked with a XXXX lawyer who told me to start making complaints like this one to draw attention to the issue. 

Please help me. These are not my charges! I have proven this!

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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.

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 2016-10-06
Company: American Collections Enterprise, Inc.
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Without verification or validation, this debt was placed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: SC
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:
This complaint is in reference to a previous complaint of inaccuracies on my credit file with XXXX XXXX  # XXXX After receiving my XXXX XXXX credit report, I have noticed that there are still extensive inaccuracies still not corrected on my credit file. egregious and erroneous errors on my consumer have led to me being denied being able to access credit. I now know it is my right to have inaccuracies corrected. account type detail, date opened, balance, term, past due amount, payment status, last reported, last active and last payment. All of these are vastly inaccurate, and this is after XXXX XXXX/ XXXX equifax/ XXXX XXXX  complaint and these still appear on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: GA
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 XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax  data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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: Account status incorrect

Complaint:
I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Complaint Description : I am not able to successfully contact anyone from this company. I have been trying for more than half a year to have an item removed. I've been attempting to fix my credit in hopes of becoming a homeowner. I've sent a series of letters to this company as well as disputed my credit issues online. It's probably been over the past 6 months since I've been disputing items. I have no issues with any of the other credit bureaus. Equifax is the ONLY one that I have a hard time with. I have this item from XXXX XXXX XXXX, {$4000.00} that I am trying to remove. By law, Equifax is supposed to delete items if a consumer has not heard from them for 30-60 days. I KNOW it's been over 60 days. I've called them on NUMEROUS occasions with yesterday XX/XX/20 being the most recent. I sat on hold for like an hour until I had to eventually hang up. I've submitted about 3 letters and I've disputed these items online. It has been over 60 days since I've disputed this particular item. Each time I send a letter, a confirmation is sent online, but when I view my dashboard on their page, it doesn't indicate what's been disputed. I can't see a thing. The last letter I mailed was on the first of XXXX, but keep in mind, I still sent letters to them prior to that letter with no response after at least 60 days, so I just keep sending them in hopes of find relief until someone encouraged me to file a complaint with XXXX. This morning I mysteriously received a message from them via email that my dispute has been completed. Well, guess what? The website is down due to maintenance and I can't see a thing. What is with this company? How are they still in business?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: GVA Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$500.00} loan with this company and my monthly payment were {$230.00}. I have made 5 payments to them for this amount which means I have paid the loan off twice and they are still trying to collect funds from me. I can not find in any of my personal records what the terms of this loan are. I assumed I would pay {$230.00} until it was paid off, but they continue to collect money. I dont know what the interest rate is or anything. I am filing this complaint because I was never provided with a copy of the terms and conditions for this loan. I would not have accepted it if it meant I would need to pay it back over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX Did not authorize Exter Finance to run a report on my credit report. This is unauthorized and should be removed immediately.

Exter Finance ran these inquiries on XXXX XXXX without permissible purpose, or my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Had a truck loan thru Ally Financial. Paid off my truck loan over a month ago, received my title two weeks ago. They refuse to update the credit bureaus. They update after each regular payment, but when you pay the loan off they say they are unable to update. I've already made several complaints, and have contacted them. They say it's broken, what could be broken. I'm not the only one going thru this problem

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 2018-11-20
Company: First Data Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Unauthorized charges were made to the card and the XXXX XXXX refused to reverse the charges stating there was inconsistencies with my application form I sent them.

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