BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: NC
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 canceling credit monitoring or identify theft protection service

Complaint:
Experian - This company makes it so difficult to cancel your service that most people like me just give up. You can not cancel your service or pull your credit card from their website. You can only call them at XXXX and give them lots of information and then they immediately have their recording tell you it will be a 30 minute wait time to cancel your service.

As I am typing this complaint, I have been on hold for 47 minutes not 30 minutes. This has been the norm in the past and I have given up and hung up to tater find the same results. I want to issue a complaint and will call my credit card company to file a complaint with them as well. 

XXXX 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 2021-09-19
Company: Self Financial Inc.
State: IN
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:
Self Lender is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the creditor verified the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: National Credit Adjusters, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid XXXX XXXX  in full. 
This company tried to take another payment out of my account for XXXX . I  showed my bank that I paid the XXXX in full. The company sold my account to Nationnal credit adjusters and it ended up on my credit report showing I owe XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: SUNRISE CREDIT SERVICES, INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2016 I returned XXXX XXXX cell phone worth approximately {$650.00} by USPS with a tracking number : It clearly showed XXXX received the phone and even acknowledged receiving the phone yet they continued to say that i had not returned the phone. Then after repeated attempts to prove that i had returned the phone XXXX would not listen to me and said they were turninthe matter over to collections. Now XXXX has dramatically decreased my XXXX XXXX and has ruined my credit thereby increasing any item that I need to purchase by credit. Please immediately have them remove their false claim that I owe them for a phone that I already returned and restore my credit score. Please note that I also am filing compliant against XXXX with the FTC and the Consumer Financial Protection Bureau and the State of Oregon Attorney Generals office. When I called Oregon 's Attorney Generals Office they said that they have received numerous complaints against XXXX doing this very thing of taking peoples phones and then saying that the customer never returned it. Then they charge people for the returned phones. This has to stop. I informed the debt collector : XXXX XXXX XXXX XXXX XXXX XXXX of these facts and they continue to harass me. Please note that this not a legitimate debt and please remove it from my credit report. Thank you. Please see below the automated email that I received from the FCC compliant I filed earlier today and their case #. Hi XXXX, Thank you for your submission. Your request has been received and assigned Ticket No.  XXXX. Throughout the complaint process, you will receive periodic emails updating you about the status of your complaint. If you have information to add to your complaint, please respond directly to this email. You can view a list of frequently asked questions at : XXXX XXXX XXXXXXXX. Your submission provides the FCC with important information we can use to develop policies to protect consumers, remedy violations of the Communications Act, and encourage future compliance with the law. Thank you for your help in furthering the FCCs mission on behalf of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is in response to my prior complaint against Sierra Pacific Mortgage Company wherein they indicated they had " resolved '' my issue. In fact, they have NOT resolved my issue. Since their regulatory department failed to communicate with their mortgage service provider, which is XXXX XXXX XXXX XXXX, they proceeded to undo everything that had already been resolved via my initial complaint to them. They reversed all my payments made from XXXX XXXX, 2017 going forward and took back their {$10.00} fee. They did this reducing my P & I payment on XX/XX/2017 totaling {$1500.00} to Principal and {$1000.00} to Interest by re-applying it as {$1500.00} to Principal, and as {$1000.00} as interest, in essence reducing my Principal Payment by {$10.00}. Now, keep in mind that the issue had already been RESOLVED and they proceeded to undo everything that had already been righted previously in response to my complaint to you. I wrote to them again almost four weeks ago ( ONE MONTH ) asking why they had undone everything that had been corrected, but primarily to ask them to re-apply the extra my payment as originally applied, with {$1500.00} going to Principal. I have since then paid off my balance, so they are owed XXXX DOLLARS, but I continue, one month later to await my {$10.00} which they re-took from me once they started meddling with an issue that had, as stated ALREADY BEEN RESOLVED. And the reason they became involved again, besides there not being any communication between their mortgage department, service provider and regulatory department, is also due to the fact that it takes this company AT LEAST ONE MONTH TO RESPOND TO THEIR CONSUMERS. I continue to await the {$10.00} that they took back by reducing my payment original payment from {$1500.00} to Principal down to {$1500.00} to Principal. They should have left well enough alone ; the issue had been resolved and now it remains UNRESOLVED. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 there was a credit card account opened from XXXX XXXX in the amount of {$4500.00}. I have disputed this and it has been handled on all ends and every bureau. This 3rd party company is now attempting to collect the debt after its clear its 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 2022-08-06
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. READ THE COMPLAINT IN FULL. 

This has been ongoing for months now. Since XX/XX/XXXX to be exact. A person made payments to me for items that Venmo deemed high risk so they froze my account. I was told I had to wait until on or before XX/XX/XXXX and that I would receive an email stating my funds were available for withdraw. On XX/XX/XXXX, I finally received that email after funds were being held since XX/XX/XXXX. So initiated these transfers to my linked bank account on file. Later that evening of the XXXX of XXXX, right before these funds were about to be sent to me, I received an email from an account specialist saying that the payments were being disputed and to provide the information regarding these transactions. These payments had already been disputed and deemed in my favor based on the information provided to them about these transactions back in XXXX. So when I receive this email it confused me considering the night before I received an email that I was told I would receive once my payments were able to be withdrawn. Instead my account got REFROZE. And Venmo requesting the same exact info I have already provided to them. I spoke with a supervisor on XX/XX/XXXX, and she agreed that this isnt right and escalated my case. Said I could contact her whenever to see what the deal was. Well I hadnt heard anything and so I reached out again to speak to a supervisor on XX/XX/XXXX. Was told my case was escalated again. I havent gotten any response from a specialist Ive reached out to them on multiple occasions. I was told turnaround time was 7 days and to allow up to XXXX weeks. Well we have reached that point now and my account is still frozen with my funds in it. Ive been lied to. I called yesterday to talk to someone again and was left on the hold line for FOUR hours while I was told from a rep they were gon na get a supervisor. No just sat on the phone for XXXX hours for nothing. At this point, the business practice being done here is unethical, its atrocious to say the least, and I want my funds like the email I was told to be waiting for said I could have. Im not sure whats going on at this place but I expect a resolution very quickly as I have every right to feel how I feel because Ive been lied to, ignored, and basically makes me feel like my {$3200.00} is a big joke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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: Investigation took more than 30 days

Complaint:
Why did you ( CFPB ) close my complaint # XXXX? It has still not been resolved.TransUnion failed to respond within 30 days and did not remove all of the items I disputed according to the Fair Credit Reporting Act ( FCRA ). When TransUnion did not respond, they are required " By LAW '' to delete ALL disputed items. They have not done so, and failure to do so will result in a {$1000.00} fine per undeleted item. I will be pursuing Legal action with XXXXXXXX XXXX  XXXX XXXX  if the correct action is not taken. This is my last attempt to completely fix this clear violation of the Fair Credit Reporting Act ( FCRA ).

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I gave back a XXXX to XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. 

In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with XXXX XXXX XXXX with approx. $ XXXX balance. XXXX apparently REOPENED the account at that time and turned it active! Transunion dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years. 

I called XXXX, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, Transunion continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with XXXX to give the car back for sale in XXXX. 

I need XXXX to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need Transunion to restore my credit score of 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 2019-05-31
Company: First Associates Loan Servicing LLC
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:
I have XXXX loans with Student Credit Union Connect. I made a payment on XX/XX/XXXX for {$310.00} to my larger loan however the payment was applied towards the smaller loan instead. My loan since has been reported late and affecting my credit. Ive reached out to them multiple times to fix it however it has not been fixed. This is the second time Ive had to filed a complaint due to the miss habdeling of my account. Another payment was made on XX/XX/XXXX for {$480.00} Im hoping it was applied correctly however I didnt received a confirmation email as promised m.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Risecredit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have fallen on hard times and called your office yesterday to try to work out some arrangement that I could afford and was not offered any assistance. I borrowed {$1200.00} and have paid back {$1100.00}, however due to the interest rate being so high you have me owing a balance of over {$1000.00} still. I was told when I took this loan that after a period of time I would be able to refinance the loan and lower my payments. This was not true, I have attempted to refinance and the APR is the same 291 %. I would like to cancel my account and come to an agreement that works for both of us. I am a single mother and paying {$160.00} every time I get paid equaling to {$260.00} per month is unbearable. I have also mad large payments over the past few months hoping this would decrease the balance and it has not.

Kindest regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I signed an treatment acceptance and payment arrangement form from XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX, Florida. This agreement contained terms concerning some major dental work which was consummated by this agreement. Total responsibility {$5200.00}, of which I paid {$2600.00}. I made the decision to pay half and finance the other half after being offered an interest free loan through XXXX XXXX XXXX. I was told explicitly, the terms would remain in effect unless I default on a payment. At that time, I would be assessed finance charges. Wishing to enhance my credit file, I elected to finance {$2600.00}. In that time period I was always on time and paid my monthly balance as soon as the notification e-mail came in. On XX/XX/XXXX I was debited XXXX and finance charges began to accrue. I continued to pay my payment while I awaited proof of my agreeing to the terms of this deal. 
In essence, in XX/XX/XXXX, my balance was {$970.00}. I kept seeking a remedy for this and paying the payments, yet until I reached my point of intolerance, my balance now exceeds {$1400.00}! I find this punitive and predatory. Trying to enforce an agreement that was never in force.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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:
my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this removed

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 2019-02-21
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a PNC checking account ( ending in XXXX ) when I was in college and closed the account over 10 years ago. However, I recently received a notice that this closed account was going to be upgraded to a Standard Account and I would be charged a monthly maintenance fee of {$7.00}. As directed in the attached letter, on XX/XX/2019, I called PNC and asked PNC to either 1 ) confirm that the account was closed and the letter and potential fees do not apply or 2 ) if somehow my account was re-opened, close this account. The customer service center refused to provide either of the above solutions. 

I have a FICO credit score over XXXX that I have worked for years to build and am very concerned with PNC 's approach here. They seem to make it near impossible to close accounts if somehow this account is still open 10 years after I closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a victim of identity theft and I've provided the needed documentation to experian on several occasions yet they keep claiming that they haven't received them. This is keeping me from moving on with my life. It took me long enough to go through the process of getting the Court order declaring me a victim of identity theft. Yet I still have incorrect information reporting to 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 explanation
Consumer complaint received 2020-11-17
Company: BANC ONE MORTGAGE CORPORATION
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:
I wanted to reach out to resolve an issue with a recent credit inquiryon my accountwithout my approval by XXXX XXXX XXXX before I reach out to the credit bureaus and CFPB ( https : //www.consumerfinance.gov/ ). While I am out shopping for a mortgage, I have never applied for a loan with XXXX XXXX nor did I authorize a credit check by this lender. 

I want you to be able to resolvethis for me at the earliest. This is outright identitytheft by your company and I want to make sure I reach out to you before I take further actions. 

XXXX XXXX XXXX, NMLS XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Setup auto pay, for the due date. Apparently if it does not process by then it will be considered late. Also was told it can take 60 days to go into effect giving me another past due fee. The website is incredibly confusing and almost purposely difficult to facilitate confusion on the customers part. Logged into site again and see that auto pay is now not even on and had another late bill. Multiple calls with little help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation