BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: TX
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 with product or service terms changing

Complaint:
To '' ATTENTION XXXX CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " XXXX '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A XXXX XXXX CC BECAUSE XXXX IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY XXXX BANK, XXXX XXXX ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, XXXX BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " XXXX XXXX '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?

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 2018-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX, XXXX keep harassing me and my daughter about a old debt from 2004 that was charged off by Capital One prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
When I bought this car it was priced at {$9900.00}. I had to apply for an auto loan with Ally Financial. At this time they added GAP coverage to the loan for an additional {$2300.00}. the car came out to {$12000.00}. I put down {$4000.00} cash. which should of brought my car to {$8000.00} as the actual financing price. 3 months into my loan i learned the real value of my car and decided to cancel GAP insurance. {$2000.00} was refunded back to my Ally financial loan. With this activity alone, my loan balance should be below {$5700.00}. I FINANCED MY CAR XX/XX/2018. I have made over {$4500.00} in payments. YET MY BALANCE on my car is over {$6000.00}. ALLY financial is keeping every payment and adding it towards " Interest ''. All these payments, cash down, refund of gap insurance should have my balance close to {$1200.00}!!! PLEASE HELP ME AND DEMAND THEY STOP THIS AT ONCE. For 3 years I have been making payments. But my balance keeps going up instead of down. PLEASE HELP ME!!!!! Than they repossessed my car and charged me {$1200.00} to get it back. {$800.00} toward 4 arrear payments ( DUE TO COVID-19 ) and {$400.00} in fees. Out of the {$800.00} payment only {$550.00} went to the the car and Ally kept {$280.00} for additional fees, Plusss the {$400.00} IN FEES this is {$700.00} in fees and only {$500.00} went towards my arrears. PLEASE STOP THEM! I have all the paper work on this car from the day I bought it. To show proof of the sale price and money down! plus gap insurance receipt.

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 2018-04-15
Company: Modern Adjustment Bureau
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX XXXX and in XX/XX/XXXX, I had a judgement against me and went through a wage garnishment. After my wages were garnished, I thought I would receive a Satisfaction of Judgment Letter that the company was to file with the Courts, I called them and they indicated that I still owed XXXX in interest charges. I paid the interest charges in XX/XX/XXXX and wrote them a letter indicating that they submit with the court A Satisfaction of Judgment Letter and mail me my copy. It has been three months and they have not responded to my letter nor sent me my copy of the Satisfaction of Judgement Letter. The company is Modern Adjustment Bureau. I am trying to purchase a house and would like any and all references of Modern Adjustment Bureau deleted from all 3 bureau reports since my debt is paid in full. I wrote them a letter on XX/XX/XXXX, and still have not received a response from them. This is effecting my life as this is still on my credit and I can not qualify for a house since this is still on my credit and I have no proof that it is paid since I do not have my Satisfaction of Judgment letter from the Courts. As I understand it, I could take Modern Adjustment Bureau to court and get damages, but I would rather try to fix this another way. Please help me if possible, I've been going through this for some time now. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-13
Company: Experian Information Solutions Inc.
State: CA
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:
This company continues to pull my credit report causing a hard inquiry on my report and dropping my scores I do not have this account and this account is not on my credit report but for the past 2 years Ive been having to dispute this company pulling my credit and when Experian removes it the company pulls it 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 2021-05-09
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my CITI Bank XXXX ( Citibank Customer Service XXXX  XXXX XXXX XXXX XXXX, SD XXXX ) 2 weeks before the due date by phone. I enter my bank account and routing number and LISTEN for the automated system to repeat it. CITI says that I entered the wrong account number and CHARGED me LATE and OVER THE LIMIT FEES in excess of {$110.00}!! This is a SCAM and 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 monetary relief
Consumer complaint received 2022-08-08
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: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-10-05
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Aldous & Associates called me and insisted that I owe them {$210.00} for a gym membership that I canceled. When I asked for verification and documents to show that I owed them the money, they said they already sent me a written notification which I did not receive. Threatened me by telling me my credit would be ruined and I should pay right away with a XXXX or XXXX. I asked him to send me written proof and documentation as I did not trust or know if he was a legitimate debt collection agency. He refused to answer my questions, insisted that I just pay him and when I repeated my request for written documentation he hung up on me. Very rude and threatening conversation from the Aldous & Associate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I purchased item from store, did not deliver the product, wanted to dispute the charge, after contacting the store. Bank stated its fraud when it is not and wanted to shut down my debit card. 

XX/XX/2020 - XXXX XX/XX/2020 - 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 2020-06-26
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have on multiple occasions tried to borrow money from cash lending apps such as XXXX. In the past with other banks, I have not has an issue. While trying to access my financial data, there is an error on the banks side. I would like it to be easier to use these services and be able to access my data through these services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: HI
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: Billing dispute for services

Complaint:
It's been more than two decades and credits score not improving, most of the collection that ruin my reputation are all accusing me but in fact the fault falls under the company that issue the credits to me, for example, XXXX was selling products without a details information on the cost for the items ( 3 ) cellular, and billing was way above the cost of one cell phone ; another example is XXXX XXXX XXXX - charge me for leasing a cellular phone for almost 2K and this phone value was one {$300.00} or less, doesn't make sense how these people are putting people who are trying to find better life and other people are ruing their reputation due to " corruption '' in private businesses ... thank you.

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 2019-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 with non-monetary relief
Consumer complaint received 2021-04-08
Company: SUN WEST MORTGAGE COMPANY, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started my refinance process with Lowrates.com back in XXXX of 2020. 
My loan Officer is XXXX XXXX My loan processor is XXXX XXXX Their Sales manager is XXXX XXXX Its now been 6months and they still have not given me a day to close on my loan. This is despite the fact that I have received a loan approval. Throughout the refi process I have responded and given them EVERY piece of documentation WITHIN MINUTES of them requesting it. I've even gone as far as doing " their '' job by getting my own mortgage payoff quote directly from my lender. Because in their own words, " I CAN GET IT MUCH FASTER THEN THEM ''. BTW, they have now asked me to get a payoff quote 4 SEPARATE TIMES, because the payoff " good thru date '' they ask me to ask for expires. They even asked for my tax returns ( for a second time ) after having my loan supposedly in process for 3 months. It's my understanding that tax returns, credit scores and debt ratios are verified at the VERY BEGINNING so that the company and CLIENT don't waste time and/or money. These are all examples of poor customer services, inadequate training, leadership and lack of processes. 

When I ask them for a status or why its taking so long, their response is " its due to covid '' or they forgot something or they didn't realize I needed an appraisal done ( after they had the loan application for 5 mos that is when they realized that mistake ) but the response I get MOST OFTEN FOR THE LAST 2 1/2 mos is " SILENCE ''. My emails, phone calls and text msgs to every person I mentioned above are just ignored. No sorry, no explanation they just simply go unanswered. When I do hear back from them it's to ask me for another " CURRENT '' bank statement, another " CURRENT '' paystub, another " CURRENT '' letter from my XXXX  that I'm still in business, another verification of employment or needing another credit inquiring response letter from me. Once again this is lack of procedures and gross mismanagement. I can't believe that this isn't costing the company money because of the rate lock extension fees XXXX which they are trying to make me pay XXXX. 

I did contact the sales manager XXXX XXXX back in early XXXX to voice my grievances and lack of communication. Unfortunately, after leaving a message on my phone that stated that he was unaware of any problems on my loan but that he would look into it and get back with me I have yet to get another call or message. 

The only reason I'm sticking with this company though is for the simple fact that now with interest rates rising I would be locking in a higher rate. Believe me I would much rather take my business elsewhere if it would not cost me so much with a higher interest rate. 

So I'm asking for help in getting my loan closed and at the same time report this company and its employees for their complete lack of care, understanding, compassion and horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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: Public record information inaccurate

Complaint:
I have submitted numerous letters to XXXX XXXX, Experian and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX  which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.

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 2020-10-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
i applied for the card and i did not finish application the company again asked me to come back to finish application i came back to finish and company said refused to accept my application and decided not to aprove my application? even though i had invitation number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: AES/PHEAA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/2019 Dear Sir or Madam : On XX/XX/2019 I paid my private student loan in full to : American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX Account # XXXX and received a confirmation letter : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS LETTER IS FOR YOUR INFORMATION ONLY. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX | M-F XXXX XXXX to XXXX XXXX ( ET ) | XXXX | XXXX XXXX | XXXX | Why We Are Contacting You Congratulations! The loans listed on the reverse side of this letter are paid in full. This notice does not pertain to other loans we may be servicing for you. 
What This Means To You No further payments are required on the loans listed as paid in full. We appreciate your business and wish you success with your future endeavors. 

I did receive a refund cheque for overpayment. 

However when I log into my account there is a current balance of XXXX with an interest rate of 4.87 %. 

I sent a letter by courier requesting the account be closed. To date this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion Credit Report Agency to notifiy that someone used my information and pulled a hard copy of my credit in two ocassions. My concern was aggravated when I noticed and confirmed that my call was being taken overseas. The Customer Service rep couldn't understand my request and the severity of my case. I asked for a supervisor or to be transferred to a US office and I was told " Transunion in United States was closed at this time. '' I gave my name, SS, DOB and address multiple times to people across the globe. 

No wonder the whole country 's identity is being stolen. 

How is Transunion allowed to handle personal informaton across the world? I need someone from the US Goverment to look into the security and handling of private information and the ability to STOP and solve this credit matters.

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 2020-06-26
Company: EQUIFAX, INC.
State: CA
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 {$25000.00}, {$9500.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$32000.00}, {$20000.00}, {$400.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation