BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
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: Information belongs to someone else

Complaint:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX  Late Dates : XXXX, XXXX XXXX XXXX DC XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL 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 2017-12-20
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 20 year conventional mortgage that is being serviced by PNC Mortgage. I wanted to make an extra, principal-only payment on my mortgage, of {$30000.00}. I logged in to my PNC Mortgage account, and found an option to make a payment. But, there was no option to make a principal-only payment. In the small print, it says " How is the Payment Amount applied to my mortgage? ". When I click on it, it says, " Funds received will be applied to principal, interest and escrow ( if applicable ), satisfying as many full monthly payments as possible. Additional funds received will be applied to outstanding fees and then to additional principal if your loan is current. '' I think this is completely wrong, that they do not give you an option to make a principal only payment, and that they automatically just make as many monthly payments as they are able to with the extra funds. This benefits the bank, and costs the consumer, because the consumer ends up paying much more in interest than they otherwise would. 

I suspect that most consumers do not realize the difference that making an extra payment, to PRINCIPAL ONLY, can make to their equity and how it reduces the interest over the life of the loan. 

I called PNC Mortgage to see if there was a way to make a principal only payment online, and I was told that there is not a way to do that. So, I ended up mailing a check, and wrote all over the check " PRINCIPAL ONLY '', so hopefully it is applied properly. It has not cleared yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions Inc.
State: IL
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:
OPENED SECURED CREDIT CARD PAYED ON IT EVERY MONTH AND ONE MONTH REPORTED 30 DAYS LATE HAD NO BALANCE SO DID NOT MAKE PAYMENT THAT MONTH THEY SAID I OWED EVEN IF DIDNT HAVE BALANCE NOT FAIR JUST TRYING TO LIVE ONE DAY AT A TIME THANKS

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 2022-10-04
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lexisnexis Risk Solutions has obtained my personal data unlawfully and used it unlawfully without my consent to damage my credit file report with XXXX and have sold my personal data to other third party entities without my consent. Federal trade Commission protects consumer information when it is used illegally and without consent. Lexisnexis is a third party entity that has been sued for selling consumer personal information without their permission. It has been several years that Lexisnexis has been misusing my personal data, such as my name, addresses, personal account information, age, identity, income, and other personal data like my social security that i have never provided to Lexisnexis Risk Solutions. They have reported false information on my credit report to XXXX of an alleged bankruptcy. Lexisnexis has violated the XXXX XXXX XXXX XXXX reporting false financial information to credit bureaus and other third party entities to cause me to get higher interest on consumer products and/or denied of financial services. 
I have requested several times for Lexisnexis Risk Solutions to freeze the false file reports they have in my name and they have not done so but sent a confirmation pretending they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Designed Receivable Solutions, 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: Investigation took more than 30 days

Complaint:
Made a dispute with XXXX  on XX/XX/XXXX which was received by certified mail # XXXX that was received on XX/XX/XXXX per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/XXXX that was received XX/XX/XXXX certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX Re : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 

I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : Designed Receivables XXXX # XXXX This account is not mines Designed Receivables XXXX # XXXX This account is not mines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX This account is not mines Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Signature and SSN redacted for privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
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: Information belongs to someone else

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: TX
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:
According to CFPB Ref No : XXXX, XXXX sent a request to delete the hard inquiries, dated XX/XX/2020, XX/XX/2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, Experian still reports falsify information about these hard inquiries.

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 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an auto loan with capital one auto finance with a paid in full on XX/XX/2019. In mid XXXX I received a check from capital one auto finance for all the payment of {$340.00}. On XX/XX/2019 Capital One reported me to the credit bureau as being delinquent I called them and they said they was going to try to fix it and put in a dispute. Now on XX/XX/XXXX they reported me again as delinquent which is unfair my credit score dropped 20 points because Capital One Auto finance keep reporting me  to the credit bureau after I paid my car off and I even receive an overpayment checks from them they should not be reporting me every month As being delinquent which I was never late Plus I paid off my loan on XX/XX/XXXX in full. I need help disputing this matter to get my credit score back up thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I received a Promotional balance transfer offer from the card issuer. I took advantage of this and requested a balance transfer of {$23000.00} that was processed on XX/XX/2019. The card issuer mailed a check in the amount of {$23000.00} to the receiving bank. Since the receiving bank did not receive the check until XX/XX/XXXX, I called the card issuer and requested a stop payment on the check ; however the check was received by the receiving bank and cleared my account. I confirmed with my receiving back and then called the card issuer and informed them that they may cancel my request for stop payment since the check was received and posted. However, the card issuer classified my stop payment request as " Provisional Credit '' and then my cancellation of stop payment request as " Provisional Credit Reversal '', both on XX/XX/2019. Then, they re-classified the original balance transfer check of {$23000.00} that went through as " Charge Adjustment '', which is now being subjected to the interest rate for revolving balance. While in fact it should have been subject to the promotional rate of 0 % that I was offered and took advantage of. My account has been in good standing and I never missed any payments. 

On XX/XX/XXXX, I noticed a finance charge was imposed on my account and after repeated calls to the customer service, I was able to get the charge waived off on XX/XX/XXXX. Many customer service agents have assured me that this is a mistake on part of the card issuer, and they will fix it. But still, I was again charged a finance charge on XX/XX/XXXX. I again called the customer service, and they assured me they will fix it. But until now nothing has happened. The card issuer is not following proper business practices - they are offering promotional offers and when we take advantage of these offers, they are trying other methods to impose finance charges. Please escalate this and correct this situation. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: GA
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/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: DISCOVER BANK
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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: Public record information inaccurate

Complaint:
I contacted  XXXX ,  XXXX  and Equifax asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective   XXXX   XXXX    2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: ZIONS BANCORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
California Bank & Trust, I dispute amount in XX/XX/2019 in /XXXX  /XXXX  /XXXX regarding over charging me for something I already paid for, XXXX XXXX XXXX   company took amounts from me twice, underline threats was made to me by the ticket agents, that long delays will happen if try to dispute the second amounts that was taken from account under direst, the company threaten long delays such as 12 hours. I put in a dispute with my bank ASAP when I left XXXX XXXX XXXX, the Amount over {$300.00}, I am XXXX and receive SSI once month on the first of every month, because of this extra transaction I ran out of money and had to get help returning home to XXXX XXXX California, I went to California Bank & Trust many of times since returning in XX/XX/2019, always given the cold shoulder by the employees at the branch where I open my account, Downtown XXXX XXXX, my atm card have been block every since, can't purchases any products by atm have go to the atm machine to retrieve the money to pay, I am over this it's been over a month now, will close account when California Bank & Trust credit my account I disputed ASAP, I have had other accounts with other banks every time disputed any amount my account was credited immediately. 

Thank You, 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 explanation
Consumer complaint received 2021-01-21
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX who stated she was from the U.S. Department of Education Student Loan Forgiveness Department Processing calling to discuss my student loan repayment options. She was able to provide me with secure information from my FAFSA  profile like my persons of contact, which is my mom and grandmom. She provided me with their first and last name and their home addresses. She proceeded to tell me that my full amount in loans is {$25000.00} and that they way it was set up now no would be paying on it for over 20 years. She asked what my annual income was to see if I qualified for loan forgiveness and I told her I make less than {$25000.00}. She then told me that I qualify for the Student Loan Forgiveness Program - Revised Pay As You Earn Enrollment. She said I would have to pay {$140.00} for 6 months for a total of {$870.00} and after those payments the rest of my loan would be forgiven. I provided her with my debit card to set up the payments to be taken out on the XXXX of every month. She then told me I would receive email confirmations to further solidify the process. She also said that I would be receiving a phone call from XXXX which is someone in their processing department that would be finishing my student loan forgiveness. After speaking with XXXX she emailed me documents to sign. And then the the first payment of {$140.00} was taken on XX/XX/XXXX and then a second payment on XX/XX/XXXX. I found out yesterday after speaking with the real U.S. Dept. of Education FedLoan Servicing Department that I had fallen victim of a scam. I was also informed that some papers had been faxed or mailed to them with all of my personal information and signatures and other information to change on my FAFSA documents. They changed my information to show my repayment option should reflect that I have XXXX children, havent filed taxes in the last two years and that I have non-taxable income. All of those accusations are false. I do not have any kids or dependents, I filed my taxes for the year of XXXX and plan on filing for the year of XXXX, and also I work a full time job where federal and state income taxes are taken out of every check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Harley Davidson Financial Services Inc
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment marked on my credit for last month. I just bought the motorcycle and this can not be happening. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: TX
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:
sent ftc to experian with all the non accounts that were not mine XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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:
I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation