BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: NC
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX  XXXX {$10000.00} XXXX XXXX   XXXX {$18000.00} XXXX  XXXX {$25000.00} XXXX  XXXX {$380.00} XXXX  XXXX {$270.00} XXXX XXXX {$1800.00} 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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XX/XX/XXXX so its showing up 22 times on my credit report because I have more than one loan with XXXX. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XX/XX/XXXX. So if my account was bought current and back dated to XX/XX/XXXX then how can there be late payments posted for XXXX and XX/XX/XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at XXXX has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XX/XX/XXXX. 

I also spoke to an advisor at XXXX and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on 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 2020-05-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a complaint to Wells Fargo bank regarding a dispute about an airline ticket in which XXXX  XXXX refuses to resolve an issue with me in regards to a cancelled flight. I was unable to use the ticket because of the stay at home order due to COVID-19  so I wanted to get a refund or a credit with XXXX  XXXX. I was unable to reach them through email and through phone so I initiated a dispute with my bank. When I initiated the dispute with my bank XXXX XXXX  removed my itinerary completely and there was no record of the flight whatsoever in my name. Wells Fargo ended up siding with XXXX  XXXX  after the dispute because of the fact that they " offered me a resolution '' when in fact they did not. Their policy states that they will be giving credits to all customers affected by the COVID-19 pandemic when in fact they did not honor that.

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 2018-10-12
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: Old information reappears or never goes away

Complaint:
My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I  have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's

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 2018-12-05
Company: PNC Bank N.A.
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: Old information reappears or never goes away

Complaint:
I had opened an account with pnc bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. Pnc has reported this to ChexSystems and entered it in XX/XX/XXXX. 6 years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: MoneyLion Inc.
State: PA
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX is manipulating my credit files in violation of federal law. XXXX XXXX and Experian are complicit in this manipulation. 

I have attached two copies of my XXXX XXXX file ( Experian is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score XXXX points because it now appears that this is a recently closed collection. 

I already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA XXXX XXXX and EXPERIAN allowing this manipulation of federal law is definitely negligent non-compliance

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 2021-09-24
Company: N26 Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I noticed my card kept being declined, despite me having money in the account. I contacted my bank ( XXXX ) to find out why and was told my account was frozen and they were doing a routing review and I cant access my funds during that time. I never received an email from them stating why my account was froze or how long their review would be. Customer support said they could not put me in contact with the department that does the reviews and hung up on me. When I email them for an explanation and a refund of the money in my account, I keep getting a generic response. They are stealing peoples money under the guise they are doing a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I tried to pay the loan off online on Monday, XX/XX/XXXX and the system would n't allow it as the total amount the system would allow me to pay online was {$1100.00}, but my loan balance was {$1200.00}. Called on XX/XX/XXXX at XXXX pm to pay off my balance to be told that they had already processed my 1st ACH payment on the loan ( which was n't due until XX/XX/XXXX ) for {$220.00} and they could n't give me a balance to pay due to the early ACH. I asked to speak to a supervisor, who told me the same thing. I will now be charged the {$220.00} on top of the nearly total balance as this payment goes almost totally to and fees. I was expressly told that I would be able to pay the loan off early, and in this case, I tried to pay the loan off before my 1st payment was supposed to be deducted. Completely unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: VA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was charged for a product I returned - XXXX I was charged extra hours for a mechanical job- XXXX, XXXX XXXX. 
My car was towed illegally even though my registration was paid. - XXXX XXXX XXXX XXXX, XXXX XXXX Bank Of America- Random atm charge and extra items reported to fraud. 
XXXX Never received item yet was charged for it.

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 2021-04-06
Company: Specialized Loan Servicing Holdings LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX, they are a second mortgage based on a refinance. For the last 7-8 months they have not sent a monthly statement. I have requested several times for monthly statements to be mailed or at least emailed. They refuse. They tell me that they no longer send statements because of the cost of paper. When I asked to have it emailed to me, I was told they would not do that and I would have to go online and login each month to view my monthly statement. I asked if there were any exceptions and their customer service told me No. I believe this is against the rules. XX/XX/2021, I spoke to a Customer Service Rep named XXXX that said there was nothing he could do about it.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: NV
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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 2020-07-21
Company: EQUIFAX, 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:
I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX  XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX 11 XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Harpeth Financial Services, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I went to the bank to stop the automatic payments. After I did this I got a new payment taken out. I have contacted XXXX XXXX multiple times to stop the payments from coming through and they will not stop. I have tried working with them and they are unwilling to. I told them if the could stop the automatic payments and they will not. I have sent a revocation for eft and they will not accept it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Collection agency has repeatedly called me after  XXXX  since  XXXX / XXXX / 2017 . I have called the company back on  XXXX / XXXX /   2017  and told them to stop calling me so late. The calls still continued. This is in violation of the FDCP A 802 ( a )  and the company has not sent me any notice after the initial contact on  XXXX / XXXX /   2017  when I spoke with them. Collection agency also did not tell me what this collection was for when I spoke to them on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.

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 2019-02-23
Company: LDF Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Around the end of XX/XX/2017, I attempted to borrow money, however I did not borrow the amount they say I owe. I can not recall dates. I just now started to receive threatening calls from this company. Also, my account with my financial institution was compromised abd I had to switch accounts. My credit score is low and I was used due to my low income and vulnerability. I knew little of these types of loans, then I researched and I've paid more than what was put into my account. Now they're threatening me! I'm a single mom on a fixed income!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loans are paid through XXXX XXXX XXXX. As a XXXX employee ( XXXX XXXX XXXX ), I tracking each of my payments in order per the terms of the Public Service Loan Forgiveness ( PSLF ) program. In XX/XX/XXXX, I submitted my annual PSLF employment certification. XXXX XXXX XXXX sent back acknowledgment of my federal employment status, along with a list of qualifying payments submitted since the beginning of my repayment plan. I noticed several discrepancies including, but not limited to, missing payments for entire months and missing payments for parts of the loans that are consolidated within the entirety of the loan package. I emailed XXXX XXXX XXXX in XX/XX/XXXX to notify them of the inaccuracies and request an updated list of qualifying payments. I did not receive any responses despite subsequent, monthly email and phone follow-ups. In XX/XX/XXXX I called and was told that my request had just begun processing. In XX/XX/XXXX I called again and was told that XXXX XXXX XXXX required more time. In XX/XX/XXXX I emailed again and did not receive any response at all. In XXXX and XX/XX/XXXX, I was told on the phone to continue to be patient. In XX/XX/XXXX, the representative I spoke with on the phone told me there was a backlog and to wait for an update via email - the representative said the longest outstanding request was from XX/XX/XXXX, so my XX/XX/XXXX request needed to wait longer. In XX/XX/XXXX, I emailed again and AGAIN received NO RESPONSE. In XX/XX/XXXX, I emailed and nearly two weeks later, I received a response stating that these reviews " take a great deal of time. '' It has nearly been a year of my patient requests for updates. This is absurd and the worst customer service I have ever experienced. I have gone through my records and can provide accounting of each payment processed with XXXX XXXX XXXX going back nearly 7 years. I have the bank records showing each payment and can provide these if needed. I am completely baffled and appalled as to why it has taken nearly a year to receive a response from this loan holder to a simple request for an updated review of my account. I am tired of dealing with the inconsiderate, and incredibly, sometimes non-responsiveness of this organization. How can I trust an organization to handle the processing of my student loan payments and, hopeful, future student loan forgiveness if they can not process a simple request?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Paypal Credit. 
Purchase date XX/XX/2018 Purchase amount {$340.00} Special Financing. No Interest if paid in full by XX/XX/2018. 

Payments made : XX/XX/XXXX : {$56.00} XX/XX/XXXX : {$92.00} XX/XX/XXXX : {$66.00} XX/XX/XXXX : {$200.00} None of these payments were applied to this purchase. Called and talked to Paypal Credit both the initial responder and the supervisor said I must call in within the billing cycle of a payment and request it to be allocated towards the specific purchase. Otherwise, it goes towards the rest of the account 's balance by default. I feel this is a very deceptive way to keep promotional purchases from being paid off in order to charge interest. Plus, this line of credit can only be used online, yet I can not allocate my payment online? 

I can not find any documentation referring to any of this on my statements or online.

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