BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: Experian Information Solutions 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 took out loans from XXXX XXXX XXXX XXXX XXXX and Direct Student Loans which total a little over {$13000.00} ( Thirteen thousand ) Dollars. This loan has since ended up with XXXX. I contacted XXXX XXXX and was told that they submitted a much smaller number to XXXX nowhere near the huge amount they are saying I owe. For years although I have made payments, my balance has increased to a now balance of over {$160000.00} ( One Hundred Sixty thousand Dollars. I have disputed this with the bureaus but they keep coming back saying I owe this amount. My report lists a disbursement date and an incorrect principal amount. While going through the dispute process, the people at XXXX have not been able to explain why the amount is inflated, but it appears that a huge interest amount was added to my account of over {$43000.00} ( Forty-three thousand Dollars ). after beginning my dispute process. Experian explained that they use the E-Oscar electronic system to verify my information. I explained to XXXX that I was a victim of Identity theft back in 1999 and had to go about correcting my credit report because of fraudulent activity, It did not occur to me to file a Police Report. At the time I lived in Wisconsin and had relocated to Illinois, I left items in my former residence that contained by social security number and neighbors that had moved in from XXXX XXXX Louisianna stole my information. So if there are any loans taken out from 1999 and beyond they do not belong to me. This has been extremely stressful to me, I have tried for years to resolve this but have been unsuccessful, all the while being unable to purchase a home, unable to obtain housing at certain times, denied loans personal or business and experiencing a low credit score because of my debt to income ratio. It hasn't mattered how much money I earn or the fact that I have nothing in collections or the fact that I have had an exceptional payment history for quite some time. Please look into this matter for me, I was told by Experian that they get their information from creditors and they have to report whatever the creditors submit, so even if I disagree with what the creditor submits or if it is incorrect, me sending documentation to them is useless if the creditors refuse to correct it. this is very unfair to the consumer.

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 2019-05-20
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I paid XXXX medical bill to American medical collection onXX/XX/2019 well after paying the bill I started monitoring my credit and it still show unpaid so I called AMC to inquire and ask why they had not reported it paid the lady was very rude refuse to let me speak with a supervisor to express my concerns she explained to me it may take up to 60 days before they report it paid now that don't seem right in the information age with a click of the keyboard to show paid Now they may be charging the company who holds the debt I am not sure but if I paid the debt it should be removed within a ample time 48 hr at the most its only take them 2 hr to generate a file for collection as a consumer I think someone should consider a legal approach by not removing something paid you are affecting my credit score which have an affect on my purchasing power to get the best rate or may not be approved at all now that seems like double jeopardy especially when it is a bill you didn't know about I have reach out to my congressman and other elected offical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Im a victim of identity theft and I have been trying to get fraudulent information off of my credit file. Have reached out to companies and credit reporting Agencies. The refuse to take off fraudulent accounts and refused to show proof that they are my accounts

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 2020-09-24
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged for something that does not belong to me. I have no knowledge of my the is hitting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2019, I had an alert by my credit monitoring service that Equifax is reporting a new inquiry by a company called XXXX for a bank card on XX/XX/2019. 

I did not apply for a bank card with this company. 

On XX/XX/2019 I attempted to report this inquiry as fraudulent to Equifax through their website. The website informed me that I could not get access through the web to my personal information even though I had set up an online account with Equifax on XX/XX/XXXX to report a fraudulent new credit inquiry on XX/XX/XXXX by XXXX XXXXXXXX XXXX 

I was directed to call XXXX. I called 3 times on XX/XX/XXXX. I could not navigate the phone tree to reach an operator. Each path down the phone tree took me to a recording that instructed me to go though the website that directed me to call the number. 

On XX/XX/XXXX, I called XXXX and was directed by the operator to call XXXX. The operator at XXXX asked me security questions to identify myself. I believe that the correct answers to the security questions were based on fraudulent information as they were asking about credit accounts that I do not have. I could not " correctly '' answer these fraud based questions and so I was informed that I can not proceed to discuss my account. 

On XX/XX/XXXX I put a freeze on my account with XXXX and XXXX. I do not know if my credit is frozen through Equifax. I do know that there is at least one fraudulent credit inquiry on my Equifax report, but there may be 2. I reported the fraudulent XXXX   inquiry as fraudulent but I can not get access to my account in order see how the findings of their investigation into that credit inquiry. 

I fear that the XXXX inquiry resulted in opening an account because I can not even dispute the credit inquiry since I can not prove my identity to Equifax. I believe that my identity information has been used to open accounts that I am not aware of and that that information is being used as " security '' questions when I am trying to access my credit file with Equifax. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/ XXXX I sent a letter with respect to off base and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased instantly. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was additionally affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Pathfinder Credit Services
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, I attended a XXXX XXXX XXXXL OF XXXX XXXX, XXXX. Prior to graduating, I received employment offers from numerous XXXX XXXX Companies and/or Carriers, who also, offered to tuition reimbursement. I eventually accepted and chose XXXX XXXX XXXX XXXX. 
However, On XX/XX/XXXX, my birthday, another driver exited his vehicle without setting the brakes and his tractor and trailer rolled down and struck my tractor trailer while I was in the sleeper. As a result, I suffered a head and neck injury and underwent 2 steroids injections in my neck. I filed a workers comp, and hours after receiving my steroid injections, XXXX XXXX instructed me to drive to take a New Hire drug screening test. ( although they knew that my doctor instructed for me not to return to work until days later and to not drive and ect. ) The day that I was instructed to return to work from my surgical procedure, XXXX XXXX terminated my employment. ( 2 days later after my injections ) Long story short, I filed with Osha, and XXXX   Workers Comp. XXXX XXXX , XXXX denied my claim for Workers Comp, claiming that XXXX  had jurisdiction over the claim, although I reside in XXXX, the accident happened in and I was a dedicated driver in XXXX. 
XXXX XXXX XXXX XXXX stopped paying for my Student Loan, and now my loan is being reported as a charged off account with credit reporting bureaus. 
Later I confirmed, that XXXX XXXX XXXX XXXX owns XXXX XXXX XXXX , XXXX Pathfinder Credit Services , Inc is not a party to the student loan agreement. 
Pathfinder Credit Services , Inc., is not registered and/or bonded as required by XXXX FINANCE CODE 392.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XX/XX/XXXX, XXXX, XX/XX/XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XX/XX/XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
XXXX AND WELLS FARGO DEALER SERVICES ARE WRONGFULLY PUTTING FORTH INFORMATION THAT APPEARS HONEST AND CORRECT ON ITS FACE YET, WHEN THE RESULTS OF INVESTIGATION AND FACTS IN THE COMMON PURVIEW ARE REVEALED ... XXXX  AND WELLS FARGO MAY HAVE A LEGAL PROBLEM WITH THEIR ATTITUDE AND INSISTENCE ON A LACK OF FORBEARANCE TO STATE SOFTLY AND MAY BE CONTRARY TO DODD FRANK CHECK CLEARING LAWS, THE FCRA AND THE FDCPA.HERE AND BELOW I STATE MY SIMPLE CASE THAT I WOULD BE HAPPY TO BE HEARD BY A SMALL CLAIMS MAGISTRATE AND THE XXXX SUPERIOR COURT WHICH XXXX  AND OR WELLS FARGO WOULD LIKELY APPEAL TO ... ... ..SHOULD I DECIDE TO SPEND {$60.00} TO TAKE THIS CFPB CASE TO COURT. 
WELLS FARGO DEALER SVCS. ACCOUNT NO XXXX .... HAS DESTROYED MY CREDIT FOR 5 YEARS BECAUSE WELLS FARGO CLAIMS THEY WERE NOT PAID {$250.00} THE FINAL PARTIAL PAYMENT ON A CAR LOAN ... WELLS FARGO 'S PRESIDENT 'S OFFICE HAS RESPONDED TO EARLIER CFPB COMPLAINT STATING THAT MY FINAL CHECK BOUNCED AND THAT THAT CHECK TOOK 47 DAYS TO BOUNCE OR BE CLAWED BACK BUT THAT WF HAD A BAD CHECK FROM ME DETERMINED 47 DAYS AFTER RECEIPT FROM ME. 
THIS CAR LOAN WAS PART OF A GROUP OF LOANS UNDER AND STILL IS UNDER SCRUTINY OF THE CFPB AND THAT WF PAID XXXX XXXX AND THE PRINCIPAL OF FOREBEARANCE WAS USED TO REDUCE THAT XXXX XXXX DOLLAR FINE TO XXXX XXXX FROM XXXX XXXX DOLLARS ... 
THE LARGEST CFPB FINE IN HISTORY AGAINST A BANK FOR UNSAVORY BEHAVIOR BY THE CEO CFO AND IT HEADS .... WELLS FARGO.

HERE IS THE ISSUE ... DURING THIS YEARS LONG TIME WHERE WF WAS MISSING {$250.00} FROM ME THEY WERE ACTUALLY IN POSSESSION OF IT BECAUSE THE CFPB DETERMINED THAT WELLS STOLE THAT MUCH FROM ME IN MY AUTO LOAN GIVING INSURANCE REQUIREMENTS THAT WERE ILLEGAL. 
SINCE THE CFPB DETERMINATION, LONG AFTER THE 5 YEARS OF DESTRUCTIVE CREDIT REPORTING BEGAN UN-CEASELESSLY I RECEIVED A CHECK FOR AN AMOUNT SIMILAR TO THE XXXX DOLLARS BECAUSE WELLS WAS FORCED BY THE CFPB TO RETURN AT LEAST A PORTION OF THE MONEY WELLS STOLE FROM ME BACK TO ME ....

SO WHILE WELLS WAS CLAIMED XXXX DOLLARS OWED TO THEM, THEY ACTUALLY POSSESSED STOLEN FUNDS THAT THEY CRAFTILY STOLE FROM ME IN MONTHLY PAYMENTS THAT EXCEEDED THE XXXX DOLLARS THEY WANTED BACK BECAUSE MY CHECK TOOK 47 DAYS TO BOUNCE. 

WHAT DO YOU SAY ... SHOULD WELLS AND XXXX GO TO SMALL CLAIMS AND SUPERIOR COURT WITH ME OR MAKE A BUSINESS DECISION AND DELETE THIS 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 2019-01-10
Company: PNC Bank N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a bank account with PNC 4 years ago, and I needed to close my checking and savings account when I moved to XXXX, because PNC has no branch in MA. Last time, when I had to close an account, I went to a branch and had someone help me in person. However, since PNC does not operate in MA, I had no other choice but call the customer service line to close an account, and I had no idea how to close an account via phone. The agent that spoke with me on the phone back in late XXXX told me that once I transfer all my money out of the accounts, I could call them and they would close the accounts for me. But he did not tell me what happens if I don't call and not properly closing my account. Coming from XXXX, I had no idea debit cards could overdraw. Therefore, I believe it's PNC 's responsibility to acknowledge me about overdraft charges. And because PNC 's customer line always take a long time to get connected, I didn't call them on time, and was not aware my account was getting overdrafted. Starting XX/XX/XXXX, because my XXXX account was automatically linked to my PNC account, every time I use XXXX to make a payment, I get over charged for XXXX dollars at PNC. I was not aware of the charges because I knew I had no money in my PNC account, so when XXXX say : transaction is not completed, I then would use my new debit card to make the payment. In mid XXXX I went on my online banking and saw I was charged for {$300.00} and more overdraft and overdrawn fees. I was connected to the retail escalation group for some help, but they told me it's not a bank error and they can not help me. The agent was also out of the office for about 2 weeks and I was not able to get in touch with her. As a result, my account now is charged off, I was not notified and couldn't use online banking. I personally do not think PNC valued me as their customer. As a foreigner, I was not aware of banking in the States and I believe it's the bank 's job to inform me about the consequences of not closing the account properly. PNC didn't do their job to inform me and all the other people ( foreigners ) who is not aware of overcharging. Instead, they let me getting charged overtime. I am a student and I don't have the money to pay off this ridiculous amount of fees. PNC said they could not help me file more complaints and therefore I decided to contact the CFPB to help negotiate. Thank you for your help and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SunTrust Bank failed to reasonably and timely respond to four ( 4 ) emails requesting an increase to monthly principle payments ( XX/XX/2017 ; XX/XX/XXXX, XX/XX/XXXX ). SunTrust Bank failed to act upon request. All emails were sent through SunTrust 's secured client portal. Original message is as follows : " Please increase my additional bi-weekly payment from {$120.00} to {$250.00}. Apply all monies in excess of original monthly mortgage payment of {$3.00}, XXXX to principle. These actions, aggregated, should equate to fifteen ( 15 ) total payments per year with three ( 3 ) payments going straight to principle. If not, please let me know. Thanks! - XXXX XXXX-XXXX. '' Three more request with heightened warning and conspicuous subject lines of " Formal CFPB Compliant to be Filed! '' went unnoticed and received no response. SunTrust 's actions and inactions were negligent, and I was financially harmed.

- 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 non-monetary relief
Consumer complaint received 2020-09-24
Company: MOHELA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got a call from a " representative '' who verified who I was and then transferred me to another person, XXXX XXXX. She told me I could pay my loan off at just pennies on the dollar by signing up. She referred to the William D Ford Act for loan forgiveness. She pressed me for access to my Mohela account. I told her I didn't have the information at hand and she gave me a phone number to call her back on, XXXX. I didn't do it but thought you should know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX I bank with citi bank and they told me they would close my account due to fraud but there isnt any fraud transactions on my account and they are still accepting deposits from the government in my account but I cant access it at all not even to transfer it out of my account or anything I have. Two months worth of government funds just being held in my savings account and I asked for them to go ahead and close it its going on 3 months my month just been sitting there and I cant touch it I will be filing a lawsuit as well

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 2019-05-20
Company: Finance of America Holdings LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, a foreclosure action was filed against our property. See attached LIS PENDENS. Under Florida Statute 673.3081 ( 1 ), a homeowner has the right to challenge any signatures on the promissory note. Under the same statute, all documents filed or attached to the foreclosure complaint are presumed to be authentic while the burden of proof falls on the defendant. On XX/XX/XXXX, A Qualified Written Request under RESPA was sent to XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc. The company failed to acknowledge receipt of the document within the statutory time set forth under RESPA Law. Pursuant to 12 C.F.R. 1024.36, the company are required to acknowledge the request within 5 business days. See proof attached that it was faxed to the company and received. Before sending the Qualified Written request, we contacted the company and communicated the reason for the Qualified Written request, the company responded by providing the HR department fax number and stated that HR would be the responding to the RESPA request. As of the day of this complaint the company has remain silent to our request and failed to abide by RESPA Law. We have every right to question the authenticity of the signature reflected on the promissory note. The note contained an allonge naming XXXX XXXX. We ask that company the following question : 1. ) Is XXXX XXXX an assistant vice-president for XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? 2. ) Has XXXX XXXX even been employed by XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? If so when did it ended? 3. ) Can you provide any proof that XXXX XXXX was an assistant vice-president for XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? Under the above Florida Statute we have every right to have these set of questions answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHNX FINAN is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation