BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I have a credit card with PNC. I received an offer in the mail for a convenience check that was very attractive. I used the check for an amount that was less than the line of credit for that account. It turns out that the offer was for another PNC credit card that I had NOT ACTIVATED or used for many years and does not even appear under my name on the PNC credit card website with the PNC credit card I do use. The check I wrote exceeded the line of credit for that credit card and PNC did not pay the check. PNC knew or should have known that the offer it sent would lead me to believe it was for the one and only credit card that was active. This was a misleading and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: CORELOGIC 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:
This company has continuously inquired on my credit. The company is unable to provide proof of identity, or contract that allowed their company to pull my credit. Please remove this inquiry.

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 2018-07-17
Company: Navient Solutions, LLC.
State: CA
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:
I graduated in XX/XX/XXXX and reached out to my loan servicer about repayment options. The representative I spoke with said I qualified for a 12 month forbearance because I had not started working full time yet. I went ahead with the forbearance but after 12 months, my loan amount had increased so much that I could not afford to repay it using the standard payment plan so I enrolled in the income based repayment plan and was working towards making 25 years of payments to have my loan forgiven. When the REPAYE program was launched, I called Navient in XX/XX/XXXX and spoke to a representative who informed me that since I had a gradplus loan on my account that I did not qualify for the REPAYE program but if I consolidated my loans then I would qualify for the program. I was informed that by consolidating I would forfeit the 4 years worth of payments I had been making under the IBR plan towards loan forgiveness. I chose to consolidate in order to lower my monthly payments and enter the REPAYE program. Navient put me in the REPAYE program for 2 years with no problems but when I tried sending in my tax return this year to renew, I was placed in the ICR plan which increased my monthly payments from {$910.00} to {$2000.00}. I called Navient for an explanation and they said since I had a gradplus loan then I didn't qualify for REPAYE. I informed them that I was told by a Navient representative in XX/XX/XXXX to consolidate my loans to conform to the REPAYE program and that I have been enrolled in REPAYE for the previous 2 years. I told them I would never have consolidated and forfeited the 4 years worth of payments I had made under the IBR plan from XX/XX/XXXX-XX/XX/XXXX if the representative hadn't given me the incorrect information and asked them why I was enrolled in the REPAYE the previous 2 years without any issues. The Navient representative said they made a mistake but there was nothing they could do about it. Now they are informing me that I don't even qualify for IBR because of the consolidation and that I only qualify for ICR which I can't afford. If they had not given me the incorrect information in XX/XX/XXXX then I would have never consolidated and forfeited 4 years worth of payments and just stayed in the IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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 sixth 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 items 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-17
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls from XXXX XXXX XXXX from their multiple phone numbers. I do not owe any debt. My federal student loans don't have to be paid off until after I graduate in XX/XX/2021, and I pay off all of my credit cards every month. I do not have any debt. They call multiple times a day and try to scam, and it's getting really irritating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Advance America, Cash Advance Centers, Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had couple collection companies calling me about the debt to the original creditor Advance America for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. 
I personally call Advanced America and they told me that I had pay that debt, also I have a letter confirming that I make that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After pulling credit I instantly disputed the account which didnt belong to me I gave my information and instantly provided my letter to all 3 bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent police reports and identity theft affadavit to equifax due to severe identity theft and fraud of my personal information. Equifax has a identity theft flag on my account, despite that they have continued to allow multiple inquiries and possible new accounts on my credit. Since XXXX of this year there have been well over 15 in a 4 day time period. When they were informed of the identity theft they had me take numerous steps to have my personal information saved and my credit information file fixed, they said that by completed all the steps ( police reports, affadavits, letters ) that they would place a fraud alert on my file and I would not have to worry about this type of activity. However this is not the case. There continues to be fraudulent activity with no safeguards for me, the consumer. 

These are the inquiries that were placed on my credit file Credit Unions XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXXXXXX XXXX XXXX  Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MN
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:
The following information currently listed on my Experian credit report is not my credit inquiry or public record : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The credit inquiry or public record is fraudulent and unauthorized. XXXX XXXX and XXXX has deleted and removed the public record from my XXXX XXXX and XXXX credit 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 2020-06-02
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Recently I received " Return of Load Document '' from Freedom Mortgage Corp. dated XX/XX/2020. Along with my documents, I found 21 pages worth of documents from a separate member of Freedom Mortgage XXXX which I DO NOT KNOW. 

I called Freedom Mortgage Corp. and explain the issue but they mentioned that the department that handle these sort of cases does not have phone number so the customer representative can't connect me. Customer representative told me that they will reach out to me once they get more information on the certain situation. 

I would like the CFPB take some LEGAL action against Freedom Mortgage Corp. by involuntarily sending me the Publicly Identifiable Information or PII information without the consent from the other member.

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 2023-04-07
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a lease with a company that we were renting from. We had an agreement that we would break the lease early but get someone to sublease the property for us. We cleaned thoroughly and the other tenants moved in. They took over everything and even started their own lease. After a year i notice that there is an XXXX collection on my credit report from this company but yet they won't give me a breakdown of what its even for? I have tried to dispute the account with the credit bureaus but have not been successful. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on XXXX XXXX about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on XXXX XXXX  about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.

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 2018-09-13
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never owed On-Line service any money and I asked them to prove how I owe them and they haven't. I finally got them on the phone and they said they would not delete the info even though I never owed them and they don't have any documentation with my signature, a copy of my driver 's license nothing at all to support this debt. 

After going and back forth with them they said the only way to get this deleted off my credit was to pay them. So, I paid it as it would be cheaper than getting a lawyer and going back and forth to court. A year later it's still on my report as a collection opposed to not deleted. Which is the same as not paying. 

It was a classic bait and switch to get me to pay them. 
ACCOUNT NUMBERS # XXXX, and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: THRIVE MORTGAGE, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a Land and construction loan through thrive mortgage XXXX loan amount. XXXX acres of land and XXXXsf new build. We were suggested to use an FHA loan. the process dragged on for 4 months. 4 days before closing, they told us they would not do the loan and gave several reasons. Each legitimate reason they gave was known on day 1 of the process. Because of the 4 month delay, Thrive mortgage caused us to loose our land deal. The sellers backed out and would not extend the land contract any longer. The sellers had already extended the contract 4 times. 

After the explanation from thrive on why they denied the loan, it was clear that they knew all of the reasons on day one and wasted four months when they could have told us that it would not work on the first day. Back up Emails and correspondence are available

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
After discovering that my daughter was involved in a social media money scam, my husband and I contacted USAA informing them that multiple fraudulent transactions were being deposited and withdrawn from the account. Even after several calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XX/XX/XXXX, USAA continued to allow funds to be withdrawn and checks deposited on XX/XX/XXXX. We also filed a police report and submitted the information to USAA as well. We are a military family currently residing in XXXX since XX/XX/XXXX. The transactions were made in the XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXarea. It is very frustrating that after making multiple phone calls and submitting a fraud claim USAA is still holding my husband and liable for the full amount. While we understand that our daughter made a terrible mistake, USAA should have stopped all transactions from going through on this account. We have also been informed by a USAA representative name XXXX that the account activity that reported as being unauthorized was never flagged as fraudulent and were just allowed to go through. The account has been overdrawn for XXXX and now they have offset our accounts, which is financially devastating our family and leaving us unable to pay our mortgages and car bills. They have applied a temporary credit on the fraudulent transactions but have still frozen our accounts while they are conducting their investigation. It is my understanding that the purpose of the credits are to keep their customers life from being interrupted while they conduct their investigation? This is just disheartening because of the number of years we have been with USAA ( almost 20 ). Any assistance you can offer would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
In XXXX, XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief