BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: NC
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:
Im contacted XXXX XXXX XXXX XXXX In regards to the report on my credit report, 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, this company has contacted me several times via phone & mail another violation of my rights, this company has violated my rights, I do not owe this creditor listed any money,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

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 2017-11-13
Company: CITIBANK, N.A.
State: FL
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:
We are in a Hurricane Irma XXXX designated area ( XXXX XXXX XXXX XXXX FL XXXX ). 

We applied for and were granted a deferred minimum payment grace period on our XXXX credit card ending in XXXX. 

We have not received any payment deferment as of today XXXX Sunday, XXXX XXXX, XXXX ). When we call XXXX XXXX XXXX at XXXX XXXX XXXX the XXXX representative is not able to help us resolve the issue for deferred minimum payment. 

Thanks. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: Sunlight Financial LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
We purchased solar panels in XX/XX/2019. The solar panels are defective and have never worked. The solar company ( XXXX XXXX XXXX ) went out of business. According to the holder rule, due to the system being defective, we should not be obligated to pay the loan further. We are more than willing to have sunlight financial come and collect their solar panel property, but we have done more than our due diligence to get the panels fixed and it is to no avail. Even if they are fixed, we believe that they will not produce as promised. We believe the loan should be cancelled. The holder rule statement is included in the loan agreement. We also believe that Sunlight Financial had knowledge that the product was defective and still allowed consumers ( including us ) to be financially tied to a defective system and a corrupt company ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Fidelity National Information Services, Inc. (FNIS)
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have submitted XXXX requests to have a negative report removed from my Chex system. Ive requested documents with my signature to validate the negative report and they keep sending me the bank statements. This is not sufficient evidence and does not have my signature on it. The bank that reported the negative information knows it wasnt me bcoz it wasnt my card used. I was the one who reported it to them but held me responsible because their reasoning was a pin was used so it was authorized. I want solid evidence like surveillance photos. I requested for copies of the checks deposited with my signature on it. The bank nor Chex system could not provide this to me. This is my right to have solid evidence with my signature and they cant provide it because I never authorized these transactions.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: AZ
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  Account # XXXX, XXXX, and 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 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 2023-04-11
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
under the law 15usc 1681 XXXX XXXX XXXX did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything.

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 2022-09-15
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello officer, On XX/XX/2022, I opened my Discover card account successfully. 

On XX/XX/2022, I activated my Discover card account successfully. 

On XX/XX/2022, Discover required my consent to receive income information from the IRS. I gave them permission to check my information from the IRS by signing Consent Form XXXX At this moment, Discover temporarily froze my account to use. 

On XX/XX/2022, Discover completed verification of my account successfully, and my account was lifted. 

On XX/XX/2022, Discover closed my account permanently since they are not able to verify my personal information on my account. 

I dont understand why Discover closed my account since I filed my tax to the IRS and state tax office and got a refund successfully. I am not sure what information they wish to verify. Since my account is closed with ambiguous reason, I wrote a mail to Discover to ask for a reason, but I didn't get any response. 

In XXXX, I tried to reopen my Discover account, and I was rejected since I did not have sufficient credit history. At the same time, I tried to open one XXXX XXXX XXXX XXXX XXXX XXXX credit account which does not require good credit history at all, but was also rejected. I believe that Discover severely hurt my credit history for no reason, and even forbade me to apply for a credit card in another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-13
Company: ACIMA CREDIT, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company has failed to reply to any of my debt validation letters after multiple attempts. They have also failed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Elevate Recoveries, LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked elevate recoveries llc to stop contacting me while Im at work several times and they refuse. They call on different numbers each time and claim they never received any request to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
On approximately XXXX XXXX I notified Capital One of fraudulent charges on my account. The charges had been made through online merchants for the merchant XXXX. These were not authorized purchases made by me and were made for a video game. The charges started out at very small amounts ( {$1.00}, {$5.00} ). The credit limit on this card at this time was {$300.00}. In XXXX of 2021 the credit limit was raised to {$2500.00}, without my knowledge of request. This in turn increased the frequency and amounts of the charges being made by this merchant on my account. I was never notified or contacted by Capital one as to the unusual increase of charges on my account. During this time due to the delay in mail delivery and the other challenges of the Covid pandemic, I made payments to my account without throughly auditing each charge. The charges were made by XXXX and XXXX both of which I had accounts with. These fraudulent charges totaled XXXX transactions totaling {$13000.00}. 
After an extended time frame and 10 phone calls to Capital one, I was told that the amount deemed to be fraud was {$2400.00}. The remaining balance of {$11000.00} was deemed to be valid and would not be returned. Upon further request and escalation of the calls with Capital one, I was told the remaining balance was deemed valid because I continued to make regular payments on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: SYNCHRONY FINANCIAL
State: AL
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:
On XXXX XXXX, XXXX, I pulled a copy of my credit report and found 2 inquiries that I didnt authorize, 1 of which was dated XXXX XXXX, XXXX. These alleged inquiries have caused a drop in my credit score. I have reached out to both companies to have these removed to no avail.

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 2023-07-17
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
PNC Bank 's mortgage department has been operating out of compliance. They have repeatedly violated multiple mortgage guidelines as well as Equal Opportunity Lending requirements. Underwriters are not trained to know federal mortgage guidelines. Instead, they are only required to know the internal guidelines which aren't even followed correctly by every Underwriter. The internal guidelines aren't accurate to federal guidelines either. Files have been decisioned incorrectly and the same steps and requirements are not followed by all Underwriters. Underwriting management have also failed to abide by the companies own guidelines discriminating against files based on who the Mortgage Loan Officer is. Multiple files have been delayed due to the lack of regulations knowledge and competency by Underwriting. Not all Underwriters follow the policy guidelines correctly which is a violation of Equal Opportunity Lending. Files have sat dormant in Underwriting for over 30 days due to illogical company policies. If PNC Underwriters were tested on federal guidelines, they would fail. 

Underwriting Management needs to be removed and replaced. Every file should be reviewed and decisioned according to policy regardless of the Underwriter 's mood or who they are or are not getting along with internally. I have experienced Underwriters refusing to clear files for no valid reason or condition, causing unnecessary delays and in some cases, additional cost or financial loss to the client.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - applied for XXXX with Navy Federal Credit Union. This could actually be characterized as a renewal as I had just come off a XXXX  year XXXX with NFCU. At the time ( XXXX ) they had ceased writing/renewing XXXX due to the pandemic economic fallout. When they restarted in XXXX, I reapplied. 

XX/XX/XXXX - Credit Denial due to " Insufficient Number of Credit References ''. 

I have a XXXX score of XXXX out of XXXX on XXXX and XXXX out of XXXX on XXXX. 
I have XXXX revolving credit card accounts all with an EXCEPTIONAL rating. 
I have no mortgage on the property ( paid off long ago ). 
I have no debt except the usual monthly expenses - paid-in-full each month. 
I submitted cash reserve figures in the low XXXX digits. 
I had an impeccable XXXX  year record with the previous NFCU XXXX, and another before that. 

My only conclusion is their negative decision was based on my age. I'm XXXX. This stinks to high heaven of age-discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX {$780.00} XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$7100.00} All accounts were deleted XXXX but constantly reappear on my report. 
This information is inaccurate and should be deleted ASAP. I will be prepared to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Our situation is a little different than the typical " student '' debt situation. My husband graduated in XX/XX/XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with XXXX came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a XXXX XXXX. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ /hr. The 3 other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share 1 bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an IBR of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!

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 2019-11-13
Company: EQUIFAX, INC.
State: NY
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:
My Equifax complaint was closed because I was mistaken for a repair company which is not true

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 had a credit score of XXXX when I applied for a mortgage with another company earlier this year. My credit score dropped significantly when PNC lowered my credit card limit without informing me. I did not know my credit card limit was lowered thousands of dollars until I tried to make a purchase and got declined. I made a phone call to PNC. The PNC rep advised that my limit was lowered due to a drop in my credit score, although my credit score has fluctuated throughout my time having the credit card with PNC and this has never happened. I told the rep I applied for a mortgage and that my score dropped maybe XXXX XXXX. How convenient that after that phone call, I then get a letter in the mail days after stating the changes to my credit card limit. 

PNC advised that my credit card limit was lowered on XX/XX/2023 which is in the middle of my billing cycle. I made purchases before XX/XX/2023 but when my credit limit was lowered, these purchases made my balance higher than my limit. This then triggered a report to the credit bureaus and my credit score dropped significantly. When I spoke PNC and the rep made it seem like it was my fault for making purchases. I made purchases when my credit limit was higher and the purchases were approved ( possibly pending ) because the credit was there at the time.

Seeing my credit score drop significantly for no reason of my own, has caused significant anxiety, stress and trauma in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
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:
These accounts do not belong to me. Please block and remove according to XXXX XXXX XXXX.

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