BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
To Whom This May Concern : On XX/XX/XXXX I pulled my credit report on XXXX XXXX and noticed that there was an account for XXXX XXXX  that did not belong to me. I disputed this account with both the collection agency and Equifax, and subsequently it was removed. Proof of its removal is on the attached credit report from XX/XX/XXXX ; there are no collection accounts listed on my report. Upon pulling my report again on XX/XX/XXXX I noticed that this same account was reinserted into my credit report. FCRA requires that the CRA sends written notice of the reinsertion of an item within 5 days, and this was not done. Furthermore, I'm concerned as to how this company was able to reinsert this item into my credit report after previously deleting it after determining that this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Applied Data Finance, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My most recent call to Personify Financial was, Monday, XX/XX/2020 @ XXXX XXXX. PST. I asked the representative, why after paying {$3300.00} in current payments, why was there no payments applied to the principle amount of the loan? The representative, stated that although, my original loan amount was only {$2600.00}, it showed that my total payments of {$3300.00}, went toward only the interest of the loan and as of Monday, XX/XX/2020, I balance is {$2700.00} at an interest rate of 154.81 % and no payments applied to the principle amount of the loan. 
I asked, if, they could work with me to lower the interest rate, on Monday, XX/XX/2020. 
and in XX/XX/2020 at XXXX XXXX  and at both times, I was refused and declined any other assistants on my loan. If, I pay this loan off as it stays, I would have paid a total of {$3300.00} + {$2700.00} = Total of {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Affiliated Management Services
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was contacted by a family member that the company Affiliated Management Services had called her on XX/XX/2021 at around XXXX attempting to reach me in regards to a debt I was unaware of. My complaint is that this company disclosed information about the debt to the caller without verifying any information from this person or me. This clearly is in direct violation of the FDCPA and will also be consulting an attorney in regards to this unauthorized disclosure of information to an unauthorized 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a first and second note with Specialized Loan Servicing. I was able to get my first loan modification on my first loan and I am presently current but the second loan of {$140000.00} I have not tried to negotiate with the second because I am able to afford to pay for the first and that is why I did not intend to accept a modification because I was not able to afford another payment. Also I never knew that a second lien can be able to Foreclosed I was informed that it will be in my credit report and that I had an option to settle for a lesser amount of the debt.. I did offer them back then like in 2 years ago the amount of {$13000.00} but they denied the settlement, they just wanted to offer a loan modification. I am now getting notices that I will be Foreclosed I am in shock because as I mentioned I did not know that they are really Foreclosing on me when I am paying the first laon and I am current, and how can they Foreclosed on a Family that has been making payments on the Primary loan and the second loan is the lesser amount than the first and the Second is now Foreclosing on me. I am very surprised that the lender that has been receiving my payments every month since I was modified in 2018 I have not missed a payment and always on time and now the second loan is capable to just take away my Family roof. Why the Primary Loan is not able to stop this process agains our home. I called Specialized Loan Servicing and they said I can not get any type of help due that I am less than 30 days from the Foreclosure date and a Loan Modification is not an option, only to Reinstate my loan. How would they think I can come out with {$42000.00} to pay them to stop the Foreclosure. Please help me find a solution to save my home.

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 2018-02-12
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced 6 months ago with PNC. They added an extra {$1500.00} to our mortgage amount for escrow. We are now being billed {$1000.00} for an escrow shortage 6 months later!! This doesn't seam possible, unless they made a big error at the time of closing! The year before we refinanced, there was another Escrow shortage with PNC. Something seems very wrong here! Their mistakes, have cost us a LOT Of money! We refinanced to better afford our house. We bundled the fees and escrow into our new loan amount! With the shortage, our new monthly mortgage is not too far from where we were before we refinanced! How can banks keep making mistakes like this, and get away with it? 

We have NOT received any tax or home hazard insurance letters to indicate any increase!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TD BANK US HOLDING COMPANY
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:
I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as of XXXX and has also cost me -45 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Creditor informed me that I had time to pay debt, however, debt was immediately sold to a collection agency which has reported this account to my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed a student loan almost 17 years ago for my oldest daughter. The terms of the loan clearly stated a 120 month re-payment schedule. Now 193 months later the AES is trying to get me to pay the loan, because they kept deferring payments and allowing the interest to accumulate to well over {$20000.00}. 
I have requested a co-signer release numerous times, but they keep denying it. 
Now they are harassing me about the payments, and have ruined my credit score. 
I went from an XXXX to a XXXX in 4 months because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I sent a wire transfer of {$500.00} to Coinbase to be deposited into my account to use for trading of cryptocurrency. Coinbase was pretty backlogged at the time, so they said it could take up to 10 business days for the money to be credited to my account. After the 10 business days had passed, the money still did not show-up in my account. I tried calling the company, but they don't have phone support for these issues. I submitted a case through support.coinbase.com, and they just sent me a canned response. I keep sending more emails, and each time I just get a canned response. They think I am under 18, when I am, in fact, XXXX years old. They even had me resubmit a photo of my ID to prove my age. They have not once addressed where my money is or how I can get access to it. I talked to my bank, and they submitted a recall of the wire transfer from the receiving bank. It has been 2 1/2 weeks since they submitted the recall request, and XXXX XXXX XXXX has not responded at all to the request. I don't know any other avenue to get my money back except for your service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I cancelled the extended warranty onXX/XX/XXXX and was expecting to get a refund ofXX/XX/, this what XXXX said at the dealership. I called back a month later and she said that the check was sent to Ally. I called Ally and they said that they received the check on XXXX for the amount of XXXX i asked them for the monies and the lady said that we keep the check. So, I called back when I paid the loan off and a lady said, she wouldn't have to give me anything, I explained that this was illegal and she said make a your call to whom ever I needed to, but that the monies were applied to my account. When I asked her to show me where it applied to my account, because what I showed it was never applied to my account. This is when I contacted the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
According to my credit reports, XXXX is reporting the following negative information to all major credit bureaus : 1 ) Late Payment - XX/XX/XXXX 2 ) Late Payment - XX/XX/XXXX I have never been late on payments. With regards to the supposed late payment for XX/XX/XXXX, on XX/XX/XXXX a representative of XXXX stated that the late payment record ( XX/XX/XXXX ) will be removed from all credit bureaus and any fees associated with the late payment record will be refunded/credited as the payment was never late. 
With regards to the supposed late payment for XX/XX/XXXX, that payment was never late. The late payment record was caused due to XXXX fault because of the following : For the month of XX/XX/XXXX, I mistakenly initiated a double payment. I made the mistake of making a payment twice. Because of this I contacted my bank to make a stop payment request for one of the duplicate payments. After that I contacted XXXX to notify them of the double payment and to inform them that I contacted my bank to stop the duplicate payment. XXXX assured me that this wouldnt be an issue and that they will take care of it on their end to make sure that I dont incur a returned payment fee. Well it turns out that XXXX refunded me for the payment that was not going to be returned by my bank ( the duplicate payment was stopped by my bank ) without my authorization. Because of this, not only did I incur a returned payment fee by XXXX, I also incurred a late payment fee by XXXX because XXXX refunded one of the duplicate payments without my authorization. I believe XXXX did this on purpose in order to charge me 2 fees ( returned payment fee and late payment fee ). As soon as I learned that XXXX refunded 1 of my payments without authorization, I made a payment to my account since it was considered past due because of XXXX unauthorized refund of one of my payments. 
I DID NOT REQUEST XXXX REFUND ME FOR ONE OF THE DUPLICATE PAYMENTS.

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 2022-07-07
Company: EQUIFAX, INC.
State: NJ
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 have sent equifax several notifications on unfamilair inquiries on my report, along with my FTC report reflecting such. They chose to delete XXXX leaving the other unauthorized inquiries on my report and failing to notify me of any verification of such. 
under 15 us c 1681 et section 604 of the credit reporting act, you must provide verifiable evidence or delete. 
These remain on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed a dispute letter to Transunion and it was recieved on XX/XX/2020 and I waited 45 days before I contacted them to see why hasn't my dispute letter, disputing negative accounts has not been processed. Transunion verbally informed me over the telephone that my dispute letter would not be processed, I asked why? and was told to I was being transfered to a manager and the line disconnected. It has since been 60 days and Transunion has not responded, I have attachted the dispute letter and certified receipt that I sent to Transunion.

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 2019-10-27
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:
Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the Equifax data breach..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi my name is XXXX Im being a Citibank bank client for 7 years. My financial situation is like a roller coaster because I have XXXX so when Im in good heath I work full time but sometimes I get I XXXX XXXX   XXXX  and I ended up in the hospital so thru since XX/XX/XXXX to today XX/XX/XXXX Im being charge {$1000.00} overdraft fee and return payment fee. When I call they dont want to help at all and when I went to the Citibank facility I explain to them my situation and they not willing to help its hard to being nock the door and no being heard and on the top of all I got a friend of my who work on the XXXX facility as a teller when she was training her draw was short {$700.00} and the manager said it was ok so. Me as customer being maltreated felling like Im begging for money. When i trying to apply for checking plus they told I dont qualify cuz I dont have a social security.

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 2020-07-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been on unemployment since the beginning that the COVID-19 pandemic hit, XX/XX/2020. I have received weekly checks from unemployment direct deposited into my Wells Fargo checking account since XXXX. On XX/XX/2020, I was trying to use my card to pay for groceries and I received that my card would not go through. When I tried to take money out that same day, it also would not let me take money out. The next day, XX/XX/2020, I contacted a Wells Fargo representative only for them to inform me that my account has been frozen due to " fraudulent activities. '' I was never contacted by a Fraud Prevention Specialist or received a claim number to identify my case. I am now going on 3 weeks and I have been informed that the reason my account has been frozen is because the unemployment checks that have always been deposited into my account have my mother 's maiden name, which is XXXX. I called unemployment and asked them to please confirm that my name is correct and they made the switch. I took this information along with my mother and her passport to confirm that this was just a last name typo and the change has been made. The banker informed me that due to this being " fraudulent activity '' they will be closing my account by Thursday, XX/XX/2020 and I will not be having my money returned. This is not only tarnish my reputation and credit but also lose the money that belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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: Was not notified of investigation status or results

Complaint:
I have provided my driver license and social and recent bill. 


Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft. 

XXXX XXXX is reporting on Citibank collection my credit file that is extremely damaging to my credit. i am getting no response from the collection agency reporting this debt.

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