BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 paid all my credit cards down to a zero balance at least two weeks before the minimum payments were due via check by mail. All of the companies received payment except one. I hadnt realized they didnt receive the payment until I got a notification on my credit report that I was 30 days delinquent. I then called the credit card company to see why I was being reported delinquent. The representative explained they had not received payment. I then stated I'd sent the check and asked if they wanted me to stop payment on the mailed check and submitt another check. The representative said yes. She stated she would notate the account and told me not to worry. She told me they would put my account on hold so that it wouldnt go into collections due to the circumstances. I was also told due to the circumstances of the lost payment and as a courtesy that they would not report 30 day late on my credit report. Since then I submitted another check and the company has received and cashed the check but did not hold up their end of the bargain. They are reporting 30 days late to the credit bureaus which is harming my credit score.

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 2022-02-01
Company: GOLDMAN SACHS BANK USA
State: OK
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:
Apple says I have a CC. I dont have a apple CC they rept said go here they couldnt help Nothing has been charged its just apple fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ok XXXX XXXX I want this CC to go away.. please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05
Company: PNC Bank 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: Problem with cash advances

Complaint:
WARNING to Other Consumers PNC Credit Cards- All payments are allocated to the LOWER INTEREST RATE PURCHASES FIRST, so the bank can make more money on the higher interest rate balances. This is UNETHICAL. PNC bank purposely holds on to the higher interest rate balances until the lower interest rate balances are paid. 

We have a business PNC credit card. XX/XX/2019 we took a small cash advance of  {$100.00}, which we have never done before, but we were in a bind. 

On XX/XX/2019, I paid our credit card minimum and added and extra {$100.00} to pay off the cash advance. 

credit card purchases are charged 21 % cash advance purchases are charged 25 % I called PNC customer service on XX/XX/2019 after my payment posted and asked them to please apply {$100.00} of my payment to the cash advance. I was told by the customer rep XXXX XXXX that payments go to the LOWER interest rate balance first. We owe {$8000.00} in purchases, so PNC will be charging 25 % on our {$100.00} cash advance until we pay off the card. 

I asked to speak to XXXX 's escalation manager XXXX. XXXX told me they will not and can not allocate {$100.00} to be applied to the cash advance balance.

All payments we make pay down the LOWER INTEREST RATE Purchases first. 

This is so unethical! So PNC is going to make the higher interest rate purchases the last to be paid off. This is wrong! 

We have our business banking with PNC. Now we are going to move our business banking to another bank. I am infuriated about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  college of XXXX  in XXXX ( Maryland ) went bankrupt. There 2 loans on my credit with one for XXXX and then other one for XXXX. Date opened was XXXX. Also when I signed up for the school my financial aid was expose to cover my tuition reimbursement. And Never received my degree. Now the school is called XXXX college. 
In XXXX, the company reported nearly {$50.00} XXXX in debt to unsecured creditors. 
This is what I found out of the school On XX/XX/2018, it was announced that XXXX XXXX XXXX XXXX was shutting down all XXXX College locations nationwide, due to loss of accreditation from the US Department of Education also Students may be eligible for reimbursement of money other than federal loans or grants that they paid to XXXX College for tuition and other expenses. The Maryland XXXX XXXX XXXX will have more information about how to apply for these refunds on its website. ''

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: 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: Account status incorrect

Complaint:
I lived at an apartment complex located at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I was told my lease wouldn't be renewed. I moved by my experiation date. I had XXXX pets and made a pet security deposit upon rental. I never heard a word from the apartment complex. I pulled my credit report and it shows a bad debt reported by XXXX XXXX XXXX out of XXXX Florida for over {$3500.00}. I have disputed the account with the credit bureau but, the agency continues to report the account. I called XXXX and they described themselves as the " referee '' and told me to dispute the account on their site despite my telling them that the balance is a fabrication. I attempted to file the dispute on their site which doesn't easily present a dispute mechanism so II 'm not certain I succeeded. This credit reporting is a completely made up balance intended to extort money from me that I do not owe. Also, the apartment complex was sold while I was living there. The new owners must be reporting this information to XXXX. I have no contractual agreement with the new owners and again the new owners made no effort nor did XXXX to contact me they just reported the account to the credit bureau

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 2020-11-28
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$6700.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$350000.00}

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 2023-02-02
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In XXXX I applied for an apartment at TXXXX XXXX XXXX XXXXXXXX. I only paid for the application fee and that was it. No contract no lease was ever signed! I called and advised them that I wasn't going to get the apartment and stay where I was. Because they were ticked off at me for not getting the apartment, they put this on my credit report and it's showing a balance of XXXX. I have tried to dispute this with them as well as with the credit bureau and no one is being truthful!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Wilber and Associates, P.C.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Wilber and Associates , P.C . has contacted me non stop in regards to a crash were I was the uninsured driver and where XXXX XXXX sent my claim directly to them for debt collection with a report with the Wisconsin XXXX indicates that I had the right of way and the other vehicle crashed into me. Wilber again just called me after they took second payment from me to state that no payment was done and I needed to pay otherwise I would be breaking the law and my license would be taken and what not. Again I attempted to resolve the issue and set up payment although I dont believe I was in the wrong. They have also filed documents and I have received letters from the XXXX stating that I need to pay an even larger amount to the XXXX or my license will be revoked and the owner of the vehicle will as well. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: LendKey Technologies, Inc.
State: CA
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:
There is a {$1400.00} credit on Account # XXXX XXXX XXXX / Lendkey has stated that the overpayment refund will be issued to the company the aforementioned loan was refinanced through ( XXXX ), but legally the overpayment can, and should, be refunded to the account holder, XXXX XXXX XXXX. I financed, and am financially responsible, for the entire amount that was paid to XXXX XXXX / Lendkey ; therefore, the overpayment should be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA
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 am on XXXX. I have overdrawn my account several times. Today I was told my account was being closed because of overdrawn. In fact I was lo ked out of my online banking this morning and had to call customer service with First Citizens bank. When I was able to log in, I noticed an unfamiliar deposit. I figured it was a mistake. Tried to log in later this afternoon XX/XX/2023, only to get a notice to call the investor of fraud for my bank. I have never seen or k ew anything about a deposit. So in reality, the woman was closing my account not because of overdraft but because of a check deposited into my account. She never even gave details on the account or the check. 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sued by company name XXXX XXXX XXXX and they are going to start garnishing my wages. I have contacted them multiple times advising this is not my debt and I was a victim of identity theft, however they have not done anything. I called them on XX/XX/XXXX trying to resolve this matter but nobody helped, then called on XX/XX/XXXX and I was told to call back on XX/XX/XXXX. During my conversation on XX/XX/XXXX lady told me that she can't help me and they are going to garnish my wages. I tried to explain her that this not my debt and I am a victim of identity theft but she didn't care to hear me out. I need to make sure someone from your agency contacts them and have them stop this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have a 90 day fraud alert because my ex lives with me. I was told to put this on all three so that if he tried to get credit I would get a call at the number provided when I initiated the 90 day fraud alert. It seems like XXXX XXXX XXXX XXXX in XXXX mass and capital one in XXXX Virginia did a hard inquiry via what I see through XXXX XXXX and when I asked XXXX why they didnt call XXXX said they technically should call because they see the fraud alert but they dont have to? Are you serious! Then why is there a fraud alert on there if companies ignore it. If something is not done to reverse this because I know I didnt get calls from either company yet they do know about they alert theyll be going to court. I got letters saying I was denied which hurts my credit when if they called seeing the fraud alert they couldve avoided this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: EQUIFAX, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$6700.00}, {$2900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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:
see attached I have been contacting these companies since XXXX of 2022, notifying them I am a victim of identity theft. I have sent proof of identity along with an identity theft affidavit yet these fraudulent accounts remain on my credit.

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 2023-02-21
Company: CITIBANK, N.A.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My name is XXXX XXXX and having trouble with Citi on my new personal loan. Loan # XXXX. I made my first payment in XXXX of XXXX  and received emails and phone calls from Citi Collections that I did not make my first payment, this surprised me since I had record of the check clearing already. After numerous calls to Citi I was asked to fax a copy of the front and back of check which I did on XX/XX/XXXX. I spoke to the following supervisors in XXXX and XXXX XXXX and XXXX and neither one was able to get this resolved with Citi 's back-office. I was told they have my fax and would adjust my account in 7-10 days. XXXX  is XXXX XXXX and I still can't get this resolved. No one is calling me back with updates and I am very frustrated I have to keep calling. Citi needs to adjust me account ASAP and make sure I am not charged late fees, adjust for interest and credit my account with a one-time fee credit for the trouble I am going through. This was my first payment and has been a nightmare experience. Also I asked that my loan be linked to my credit card so I can review balances and make future payments online. I was informed by Citi they are having a problem linking accounts with 11 digits, this is crazy! I requested a new shorter account number and they have provided this to me either. I want this processed ASAP. 
Unfair practices and awful customer service from Citi. 
XXXX ph # 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 monetary relief
Consumer complaint received 2018-12-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid a loan in full on XX/XX/2018. I filed a dispute with equifax but the employee disputed company, not balance. XXXX of equifax stated it was their fault. However, I had to submit new dispute ( XX/XX/18 ) to get the balance updated to XXXX. XXXX says it will take another 30 days to correct the mistake. It is now 90 days since the balance was paid in full and has not been updated on my report. Customer service blames XXXX XXXX but XXXX confirms they provided correct info, XXXX balance. 

There is not a number to call a supervisor directly nor is there a way to submit complaint via email. I am sending to you as there is not other recourse. I hope you can assist me with this issue. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Six weeks - plus of e-mails, phone communications with representatives and mail asking for the full payment history starting with first payment with explanation of fees, etc., have not been received at this time. 

We are again requesting the complete payment history not a partial as provided before to be sent to us. This delayed response is very confusing as to why it is not more efficiently available on request. 

After all these weeks is it ready? please provide through the cfpb

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