BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been informed that the following inquiries were listed on my personal credit report in which I did not personally request myself. Please Delete or Remove the following Inquiries listed below as they are Unauthorized by myself XXXX XXXX. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been informed that the following inquiries were listed on my personal credit report in which I did not personally request myself. Please Delete or Remove the following Inquiries listed below as they are Unauthorized by myself XXXX XXXX. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2018-06-05
Company: Experian Information Solutions Inc.
State: TN
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 went online and call all three major credit bureaus ( XXXX, Experian, and XXXX ) about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also Experian refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with 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 2018-01-03
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Healthcare Receivables Group constantly harrasses me. They call repeatedly from different area codes and continue to send mail to addresses that I have not provided them with.I have continued ton dispute with this company and requested that they not contact me. The state of North Carolina also requires collection agencies to be licensed and active in order to operate in our state. Healthcare Recievables Group is currently SUSPENDED in North Carolina with the Secretary of State and accounts listed on my credit report in the amounts of {$1400.00}, {$730.00}, {$310.00} and {$60.00} should therefore be removed from all credit bureau agencies immediately due to the non active status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There should be an easy way to freeze my credit report on all 3 agencies. I have tried to do this online with all 3 agencies and after much time, all 3 errored out with vague error messages that " my request could not be completed at this time ''. This is unacceptable.

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 2022-02-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX LaXXXX please remove any other information

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 2022-02-08
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX LaXXXX please remove any other information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from a company called NCC. They do not explain who are they are. I received a bill from the County of XXXX. I do not live in XXXX county. This bill does not explain what the charges are. Interestingly, the company is charging {$85.00} in fees and {$44.00} in fees and a previous balance of {$170.00}. I will call XXXX county myself but I WILL NOT pay these made up fees. I want to warn the CFPB that this company is attempting to collect fees from people that are not owed. If they are doing it to me, they are doing it to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am writing to file a complaint against Bank of America 's ( BOA ) unfair, deceptive and abusive practice of setting off joint consumer deposit accounts to pay off commercial debts owed individually by an account owner. On XX/XX/2017, I was notified that the funds in my joint consumer deposit account decreased to a negative balance. I reviewed my account online and discovered that BOA withdrew approximately {$3900.00} from my account to pay a charged-off commercial credit card debt owed by my joint account holder. 

I immediately attempted to contact BOA to try and get information regarding the transaction and was informed that they could not discuss the setoff and the charged off debt with me because it belonged to my joint account holder, and that I agreed to their set off terms when I opened the account. I was informed that it is BOA 's policy to setoff accounts to pay off credit card debts as permitted in their account terms. 

I understand it is BOA 's policy to setoff accounts in certain occasions. However, it is an extremely UNFAIR practice to setoff funds in consumer joint accounts to pay off commercial debts that belong to only one of the co-owners, and then refuse to provide both co-owners with information regarding the setoff transaction. 

Additionally, I requested that BOA provide me with the actual documents of where I signed and consented to their setoff procedures. They indicated to me that they would not be able to provide me with these disclosures until seven days. In the meantime, the money that I needed to use to cover my essentials ( like food, clothing, electricity for my children ) is severely compromised. 

Furthermore, it appears that BOA exercises its setoff practice DISCRIMINATELY, as they could not provide me with justification as to why they are choosing to exercise their discretion to setoff my account when it is not consistently done for similarly situated accounts. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I currently have a fifth third secure credit card. I couldnt enroll in auto payment online so I applied via mail. I sumbitted my first form of auto payments during the beginning of XXXX and still havent gotten auto payments yet and its already mid late XXXX. I didnt want to get charged a late fee so i called towards the end of XXXX to reassure if I was already enrolled in auto payments yet and the customer service reassured me i was already enroll and that it will withdraw from my bank account on XXXX XXXX so I didnt have to set up a payment. XXXX XXXX comes around and i recieved a call stating i have missed a payment and charged a fee. I called up to fifth third customer service and the lady told me i was not enroll onto auto and that she couldnt help with my problem so she gave me a number to call back to see way i wasnt enrolled in auto payment. I do not recommend this credit card or bank at all very unprofessional and do not value you as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-21
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
They make me look like if I was behind on my Mortgage on the month of XX/XX/2018 & XX/XX/XXXX when I was not and never was, when I was even giving extra money to the Principal. The Money Source Web site and the managers started a problem, when my wife was trying to increase the payment, so more money went to the Principal and two payments came out that month and because I reverse one of them thru my Bank as Fraud they took revenge and committed slander against me by reporting me late at the Credit Bureaus, for 45 and 60 days, when it was not thru. Told them to correct that and the accounting department or the company revert that letter from going to the Credit Bureaus to correct their injustice. The manager by the name XXXX requested this for the second time and nothing yet. I am a Senior of XXXX years old and a Retired XXXX Veteran and is a disgraced that Americans treat us that way and do not want to admit their injustice and lies to the Credit Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am unable to access my account to make payments. The website gives me an error message : " Due to a problem with your account, you may not log in at this time. '' Previously the website would not allow me to make a payment or view statements. Now it isn't even allowing me to log in. Screenshot attached.

I believe this is retaliation from the company for reporting the previous problem to the CFPB.

This is after I already reported this issue to the CFBP in a separate complaint that was not resolved : The website for my account has not allowed me to view statements or make payments for the last several months. The company 's customer service is non-existent, inaccessible and non-responsive. The attached screenshot proves this. This has caused me to be late on several 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 2020-06-18
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: U.S. BANCORP
State: CA
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 customer service

Complaint:
Called on XX/XX/2022 to add my mom as an authorized user. She does not live in the US and does not have SSN, was told by the agent that another department would be able to override the requirement. Got transferred to an agent, verified codes. Got disconnected. Call again and found out that my account got blocked for further review. Spoke to a supervisor, and sweated all questions yet block was not lifted : I am leaving country in 6 days and need this card with me. This is just not right to have it blocked without any explanation.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In Letter Dated XX/XX/2019 sent to the Credit Reporting Agencies went unanswered by all three ( 3 ) bureaus, no explanation was provided and they all continue to report the erroneous information on my credit file.

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 2017-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am attempting to close the equity line of credit. Bank of America is refusing to file necessary paper work to get lien release without me paying fee of {$13.00}. I have contacted them several times but they continue to refuse to close the loan and get loan release without me paying them {$13.00}. At time of closing I asked if there were any fees to close line of credit and I was told no fees of any kind.

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 2022-02-08
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was informed of BBVAs acquisition by PNC bank via email notification. When I went to pay my bill on PNCs mobile banking app I was not granted access and was informed that in order to receive access to online banking I was required to open a PNC checking account. I declined opening a checking account and visited a branch to make my payment since no online payment options are available without a PNC checking account. When I went into the facility they informed me that I was also going to be charged a bank draft fee to make my payment. After trying to find a resolution to make my bill payment more accessible to me I was told that I would have to come into the branch and pay the fee every time I wanted to pay my credit card balance. I let them know that I would be completing a balance transfer and moving my remaining balance to another bank that has more excess will payment options. A couple of weeks after I was informed that per my request my account had been closed at PNC Bank. I had never requested for my account to be closed and now I do not have any accessible options to view my payment amount or due dates. They are threatening to send my balance to collection but still will not provide an accessible account payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX, with XXXX XXXX, called my ex-sister in law and left a voicemail with my personal information on XX/XX/2019 in regard to my XXXX XXXX Credit card. I was not contacted. I have previously called them and updated my phone number, address, email, etc so there was NO reason for them to call her at all. I feel it was a violation of my privacy to leave such a detailed message with someone unrelated to the issue. I would also like to add that previously they have called MULTIPLE times a day when I believe the law states they can only call 7 times a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am not sure but I keep receiving emails after I filed bankruptcy. I gave them my lawyers information and my lawyer even attempted to contact them. They stop the emails for a few weeks then they start right up again. Here is a copy : Case File No : ACE XXXX Balance Amount : {$970.00} Creditor : XXXX XXXX XXXX Case File Transferred to ACE : - XX/XX/XXXX 2017 Subject : Notice of Legal Proceedings against fraud activity. Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, XXXX has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00} If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: AZ
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 a inaccurate 30 day late payment marked with grain technology for the month of XX/XX/2021. I made the payment for XX/XX/2021 and XX/XX/2021 on time and I am including both bank statements to show proof of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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: Account status incorrect

Complaint:
I have been trying for years asking Experian and XXXX to delete erroneous and incorrect account information off of my credit report. Currently a company called XXXX XXXX is sitting on my credit report without a account number XXXX XXXX and XXXX XXXX that doesn't even have account numbers are all a part of my identity theft. They have stalled and stalled and ignored my request to delete. I have sent to them multiple times my drivers license and the XXXX Police Report and Federal Trade Commission Affidavit only to have no actions taken. My information was stolen and used and I demand deletion of the incorrect reporting information. My creditworthiness is important to me. 

What Experian and XXXX always does is send communication back saying they can't locate the information that I am requesting stalling and stalling until I give up. 

Experian and XXXX has failed to follow fair credit reporting and ignored my identity theft. 

Shows XXXX XXXX open XX/XX/2015 which is past the Georgia statue of limitations reporting. Please Delete as per Experian has the same error reporting twice.

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 2022-02-08
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My loan agent let me to pay her 1 % mortgage fee privately. 
I refused to do so and requested her to put this fee to escrow, then she start ignore my calls and emails in the period that my house is in closing process. 

I tried to call the bank and the bank loan processer sounds like know this loan agent and let me to pay the agent privately. The relationship between the bank and this loan agent is very doubtful and they are having deal under the table. 

My mortgage bank is AXOS and my loan agent XXXX # is XXXX. 

I was forced to pay the loan agent privately to close my house. After I paid her attitude was incredibly bad.

Company response to consumer: Closed with explanation