BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XXXX 2020. Both months were paid on time. I have repeatedly asked XXXX to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and XXXX continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.

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 2021-01-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Last XX/XX/XXXX an investigation was filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX because they reported a late payment ( Account # XXXX ). According to what they inform me by phone, after having made my payment for XX/XX/XXXX within the payment terms, it was revoked due to an error in the account. However, I do not find out until XXXX when I am doing the purchase of a house. I was never informed and it was not reflected in the web account, and I continued making my payments for XXXX and XXXX without knowing that they had not been able to collect the XXXX XXXX. As soon as I knew, I made the payment and requested a correction of this information, since the payment was made within the correct terms. I have been with this request since XX/XX/XXXX and with a lot of follow-up on my part, but they pass me from one place to another. This occurs in the middle of a purchase transition from one bank to another and no one could provide me with information. I was a victim of the transition of these banks. As recent as today, XX/XX/XXXX I called and they informed me that there are no marks in their file, however it appears on my credit. I have already sent emails as requested so that they can correct this situation and nobody responds to me. This has affected my credit and they keep passing me from one place to another without anyone helping me with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: ALLY FINANCIAL INC.
State: PA
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 recently notice about 5 hard inquiries all of them dated for XX/XX/2018. I don't recognize any of these institutions and have not contacted them at any point.

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 2020-11-03
Company: Experian Information Solutions 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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

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 2020-11-03
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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Please forward this communication to XXXX XXXX XXXX, Office of the Chairman at Citizens Bank ( who will be able to reference the previous communication ). 

Dear Dee : I'm in receipt of your response to the previous complaint through the CFPB ( case number XXXX ). 

While I appreciate your running down every event during the life of the loan, it was unnecessary and had little to do with my complaint. I apologize for any confusion. 

The complaint specifically involves Citizens employing negative amortization to calculate interest on two payments we obviously know we deferred via an offer to customers in good standing. 

Legal precedent clearly indicates that negative amortization violates Truth in Lending, is considered to be a predatory bank practice, and is illegal in many states. When and if negative amortization is employed, it requires full and detailed disclosure in all cases, which was clearly absent in the " PaymentBreak '' offer. 

If US interest had been employed, our interest on the payments we deferred, would have been approximately half the amount Citizens charged us. ( I can when convenient for you, provide two separate loan calculations for illustration purposes. ) What your " PaymentBreak '' offer should have stated was not " interest will still accrue '', but rather " interest on interest '', or compound interest would accrue ''. It furthermore should have advised that these deferred payments be paid back immediately to avoid financial mayhem, instead of stating that Citizens would just tack the deferred payments onto the end of the loan term. 

This is an update to my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an offer from XXXX XXXX XXXX and was denied by Chase I already have a XXXX   credit account and am a XXXX XXXX account holder. I was not declined for those reasons instead they told me I had Deliquancy or public record. 
I have a Bankruptcy that will be off my record this XXXX after 10 years. Also told me number of new requests which was a problem with the credit bureau last year that has been resolved. Length of time since oldest credit. My first credit was when I was XXXX and I am now XXXX and last Length of time since most recent public record. I got a VA loan in XX/XX/XXXX and last record was the Bankruptcy in XX/XX/XXXX.

When I filed Bankruptcy I did list Chase as a creditor and I believe that is the reason for this decline. Discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The original amount of my loans were 1. XXXX XXXX. XXXX disbursed in XXXX the interest rate is 9.75 i began repayment in XXXX. I have done inschool deferment, as well as interest only payments over the life of the loan. To date I have payed XXXX in interest and principle and my balance of these two loans is now 1. XXXX XXXX. 
I have asked for research to be done on the loan by navient. other than saying that the interest has accrued they can not tell me why i have not made a dent in my balance and how it has went up. 
according to the website i am scheduled to pay off the loans in XXXX and XXXX respectively at a payment of XXXX divided across the two loans. 
this is mathematiclly impossible. I really need some help with this. I have paid XXXX in principle and XXXX in interest..how is that even possible.? they have to be compounding daily!! 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Found a hard credit inquiry on my XXXX  credit report dated XX/XX/XXXX. Contacted Bank of America ( the company who was on record as performing this action ) XX/XX/XXXX. Contacted BofA XXXX, XX/XX/XXXX, and XX/XX/XXXX and was told that my letter was in the mail, except for the last one, I was told that an investigation was not performed. 
I have been on the phone with XXXX for at least an hour trying to dispute this. I can not get anyone to help me. They either hang up on me ( I am on a land line ) or transfer me back into the queue and I have to hold again. 
You can ONLY dispute these types of things by calling in. Why is this so hard?!?!?!?!?!?!?!

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 2021-01-21
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
My mortgage account with XXXX Mortgage has been reported late in XX/XX/2020 and in XX/XX/2020. Both months were paid on time. I have repeatedly asked PHH to address these inaccuracies and they have not. We paid off this loan in XX/XX/2020 and PHH continues to report inaccurate and late payment information to the credit bureaus. My requests have gone unanswered. My credit score continues to drop with their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I found out that Bank of America closed my two accounts - both checking and savings without notifying me the reason of closure. I hold about {$70000.00} in both accounts collectively. All my life savings are in these two accounts and now the bank keeps saying that my account is under review and they wont release the funds until the review is complete. I have reached out to several agents within Bank of America, but nobody is giving me a deadline on the funds release. All they keep saying is that it is under review and not completely closed. I don't care, I need my money. I have no money to pay bills, pay my rent. I also signed a home contract on which i had to make a {$70000.00} down payment on XXXX XXXX and all of that is now stuck. I want to Sue the bank no matter what. The people working on this from the financial institution are - XXXX, branch manager and XXXX XXXX - Senior VP and these individuals are completely useless.

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 2021-01-21
Company: American Credit Acceptance, LLC
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, XXXX  XXXX  Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a victim of unauthorized ACH debits to my checking account. My account is with PNC, XXXX, MD. The fraudster 's credit card is issued and connected to my account by XXXX XXXX XXXX, XXXX XXXX, SD. Our names are not related. An amount of {$5600.00} fraudulently drained between XX/XX/XXXX and XX/XX/XXXX in 37 transactions. When the first time my account was debited, PNC did not seek my approval. XXXX XXXX XXXX  also failed to authenticate if their credit card holder is authorized to connect to my PNC account. 
PNC tells me that with my bank account number can attempt an ACH transfer to pay a credit card. This to me is a serious loophole. When I set up bank transfers between my bank accounts, I must verify small transactions before the regular transfer can be set up. There is no way to stop debits from my account by ACH I am told. 
PNC refunded only in part with their declared 60-day liability. I am unable to contact the XXXX XXXX XXXX because I am not their customer and when I call, I can not proceed. 
My interest is more than the recovery of my money. PNC says there is no way to stop this type of fraud until I detect and complain. Surely, fraud detection can improve from the Bank 's side. Criminals who commit financial fraud must also be punished. 
I seek your help for my personal cause and the social benefit to prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020, I attempted to purchase a Diamond ring from XXXX and was under the impression that if I applied for a Wells Fargo jewelry credit card that I would be able to make the purchase immediately. Once I applied for the credit card, I realized that I wasn't able to use the credit card for two weeks which was extremely misleading. The available {$6200.00} credit line with Wells Fargo was practically useless given the purchase price was {$18000.00}, my credit history is stellar, as well as my current income is extremely high with very low debt to income ratios. 

Once I realized that I wouldn't be able to use the credit for several weeks, I purchased the ring cash from the website XXXX XXXX A few day 's later, it appears as though I was bait and switched as XXXX XXXX  called me and said the diamond ring that I had purchased was not available. They attempted to sell me a lesser diamond at a higher sale price and I eventually had XXXX XXXX issue a refund. 

I was mislead by XXXX XXXX with a product that wasn't actually for sale and the terms with the Wells Fargo card was extremely misleading granted I was under the impression I would be able to utilize it immediately.

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 2020-11-03
Company: EQUIFAX, INC.
State: MI
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/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the equifax data breach and i'm concerned it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the XXXX data breach and i'm concerned it may have got into the wrong hands.

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 2020-08-31
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Home Depot credit / Citibank has a very serious systemic issue with their store brand credit cards. When you place an order on their website ( homedepot.com ) for multiple items on their web site, they often break those items into separate charges. For example my total order is {$600.00}. There is a {$200.00} item, a {$300.00} item, and a {$100.00} item. These charges often appear as separate items on the statement. This credit card is automatically supposed to provide 6 months interest free on purchases of {$290.00} or more. However, when they beak the charges up behind the scenes they do not apply the promo pricing to the two that are under {$290.00} even though the only thing I saw as a customer was my {$600.00} total. I did not instruct or know home depot would break those charges up. This has been happening for years and just happened to me again today. They need to fix this else customers have to call. It's not correct. My order number for this scenario is XXXX. They broke it up into three sep charges and did not offer me promo pricing even though the order total was over {$500.00}.

The screen shot i attached show the three transactions even though i only placed one order.

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 2021-02-23
Company: Prime Choice Funding Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have signed the refinance paperwork with PrimeChoiceFunding Mortgage on XX/XX/XXXX for a XXXX  days lock based on the advertisement flyer that came in the mail in XXXX of XXXX. As of today XX/XX/XXXX XXXX 3 months later ) I have not received any updates on my closing date and have not been able to receive any updates on the status of my file. It is misleading to keep the consumer on hold for such a long period of time with no updates and no end date after offering a XXXX  days lock in. It is a desperate situation. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: NV
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 submitted a formal written request to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my certified letter sent and received by Experian, XXXX  and XXXX on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. 
I am currently unable to qualify for a mortgage refinance due to the erroneous information listed on my report. This is costing me {$400.00} per month and probably more now that the rates have gone down again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: SYNCHRONY FINANCIAL
State: SC
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 received a notification from XXXX XXXX and XXXX XXXX that a hard inquiry had been reported on my XXXX Credit report on XX/XX/2020 from : Institution Information XXXX XXXX  XXXX  XXXX, MD XXXX ( XXXX ) XXXX This inquiry was not authorized nor requested by 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 non-monetary relief