BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: PNC Bank N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am trying to link PNC account to XXXX investment app. I tried several weeks ago to link my account and it said that PNC doesn't allow that but that they are working on it. 

I waited several weeks ... maybe a fee months and then tried again today. ( XX/XX/2020 ) They still do not have it straitened out so that the two accounts can be linked. I would like it to work as soon as possible. Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
In XX/XX/XXXX I contacted Navient about student loan forgiveness or Debt Consolidation. As I was beginning the process they placed my loan in deferment. In XX/XX/XXXX the Debt Consolidation was concluded and my new servicer is XXXX. On XX/XX/XXXX Navient reported to the credit agencies that my loans where over 120 days late on payment as of XX/XX/XXXX. I contacted Navient and they said that since my loans where no longer with them they could not help. This caused a sever drop in my credit score which has caused me to be denied for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX and Hunter Warfield Collections has added a collections account to my credit of over XXXX dollars for a lease that I had at XXXX XXXX XXXX XXXX in XXXX, Fl. I do not owe this amount of money as my lease was up. I started out renting from another company and in the middle of my lease it was swithched to XXXX. I paid a really big deposit that I did not get back. This debt was removed by all credit bureas in early 2016 when I disputed it. About four months later it was re-inserted by XXXX and XXXX. XXXX did not re-insert. I was was given no expalnation of how or why this could be reinserted by the same collection agency. These companies have ruined my life and I have been homeless because of this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
My credit card account at American Express was closed over a year ago. In error I made two electronic payments through my online XXXX banking account on XX/XX/XXXX in the amount of {$1000.00} and one on XX/XX/XXXX in the amount of {$2000.00} both of which were cashed by American Express ( Please refer to copies of bank statements ) which have not been returned to me. I have spent over eight hours with several different American Express account managers, none of which will help me to recover my money. The last supervisor I spoke with told me that they could not help me as my account had been closed and that I needed to contact XXXX card to open in investigation. I told him XXXX card had nothing to do with the money and that American Express is the responsible party. He ended the conversation with a sarcastic " Good luck to you. '' XXXX also opened a dispute, however American Express refused to speak with a Third Party. Another supervisor I spoke with on XX/XX/XXXX XXXX # XXXX indicated that this problem occurred previously with XXXX cards and XXXX and customer funds not being returned or applied appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: ENOVA INTERNATIONAL, INC.
State: WI
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 paid this company off they would not give me a pay off amount so I had to pay more than what was due they told I over paid and I would be getting a refund of {$290.00} but I would have to wait 30 days for the check to clear and the would ACH the refund back into my account that did not happen now they are saying that they are having issues with that process and will be mailing me a check and I will need to wait 7 to 10 days more so now they are hold my money for 45 days and not paying me anything for the use of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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:
THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.

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 2018-03-28
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had a trial payment with specialized loan servicing and I had a lengthy hospital stay and missed my XX/XX/XXXX PAYMENT, I CALLED AND WAS TOLD I COULD NOT PAY FOR THE MISSED PAYMENT, THAT THAT DAY WAS THE LAST DAY, SO I CALLED LATER AND ASKED AND THEY SAID MAKE PAYMENT, SO I WAS AT GROCERY STORE FOR XXXX XXXX AND CALLED FOR THE INFO AND IT WAS CANCELLED, I CAN MAKE MY PAYMENTS, BUT I AM TOLD THAT MY HOUSE WILL BE SOLD ON XX/XX/XXXX, TODAY IS THE XX/XX/XXXX, IT WAS NEVER POSTED IN THE NEWS PAPER OR I WAS NEVER NOTIFIED, THIS IS WRONG, AND I WANT SOMEONE TO HELP ME, I AM GOING TO THE MEDIA, I WAS IN THE HOSPITAL DUE TO XXXX XXXX, I AM XXXX AND JUST WISH TO STAY IN MY HOME, ... ... .I JUST CALLED THE LAWYER XXXX  XXXX XXXX AND THEY TOLD ME THAT BY LAW THE PROPERTY HAS TO LIST IN THE PAPER FOR 4 WEEKS AND I HAVE TO BE NOTIFIED 30 DAYS PRIOR TO MY HOUSE BEING SOLD, SLS SUPERVISOR TOLD ME THAT MY HOUSE WAS BEING SOLD XX/XX/XXXX AND I HAD TO ACCEPT THIS, WHY WHY WHY WOULD SHE DO THIS TO ME, I AM XXXX AND XXXX AND SHE JUST CAUSED ME TO HAVE A SET BACK IN MY HEALTH, MY XXXX XXXX WENT UP AND MY XXXX XXXX   TO A VERY LOW POINT ALL BECAUSE SHE WAS BEING NASTY AND LIED TO ME, WHY WHY WHY DID SHE LIE TO A XXXX PERSON WHY?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way you were able to verify this! I'm invoking my rights as a consumer under Federal Law and they are choosing to blatantly just ignore me. That's why I am filing this complaint

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 2021-01-31
Company: CORELOGIC 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:
Was inquiring about a mortgage from credco/XXXX, and did an online application. I later realized they pulled my credit twice on varied dates and both appear in my credit. I expected them to pull my credit once for their consideration.

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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My Credit card account was closed due to incorrect understanding on my dispute by TRANSUNION. I had raised a request to Transunion on removing some remarks from my credit card account file number : XXXX. 

The credit card account ending with XXXX was mine. 

I recently had some unknown transactions on my credit card and I had filed complaint with XXXX XXXX XXXX and removed the transactions from my card and got my money back by filing consumer financial production ( XXXX ) And I wanted credit unions to just remove comments on High balance and increase in balance and I have clearly mentioned the same in my dispute details. 

Instead of reading my dispute comment properly or doing what I had requested. They though the account was not mine and made XXXX XXXX XXXX closed my account and I lost all my credit points on the card. 

I had called Transunion last week and asked them to fix the issue. Instead they told me to call XXXX XXXX XXXX and fix. They told XXXX XXXX XXXX will take 6 months atleast to reopen my credit card account. 

Now due to this miscommunication from transunion i cant use my credit card or apply for new one as my credit score is down.

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 2021-11-04
Company: Experian Information 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 non-monetary relief
Consumer complaint received 2019-05-29
Company: SUNTRUST BANKS, INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened my Savings Account with SunTrust Bank in XXXX in XX/XX/XXXX. SunTrust sent the XXXX form to me every year so that my husband and I could complete and return it. Around XXXX / XXXX XXXX XXXX had a protracted postal strike and our postal system all but collapsed. During that period we didn't receive these forms and I think this started our problems. We emailed SunTrust a letter instructing them to close our account and pay the money into our XXXX XXXX XXXX  account. 

SunTrust 's XXXX XXXX replied in an email on XX/XX/XXXX that our signatures didn't match the signatures on her records which is absolutely nonsense as they received our signed XXXX forms for at least 10 years. 

On XX/XX/XXXX we received a notice that the account had been closed and the money transferred to some lost property account!! We need assistance in tracing where our money was transferred to and how to get hold of 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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

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 2018-03-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I wrote to Navient back in XXXX of 2017 asking for information regarding my account. This included the promissory note, information on how to lower my payments, how to apply for lower interest rates, as well as an offer to settle the loan completely. I offered to settle the loan at the original loan amount of {$12000.00} or for them to make an offer to me. I asked for a response within 15 days. I was ignored. In the meantime, my co-signer was also in contact with them via telephone. He offered to settle the loan for the same {$12000.00} and the offer was denied. The counteroffer was actually more than is actually owed on the account. He also told my co-signer that there wasn't much they could do with lowering the monthly payments, and my co-signer explained that I can not afford the monthly payment amount of {$290.00}. 

The other issue that I am having with Navient is that they are harassing myself and the people around me. They call my home phone number around 35 times a week, multiple times a day ( somewhere around 6 different times depending on the day ). They have called cell phone numbers of my relatives and are now starting to call my workplace. It is completely inappropriate and I would like the harassment to stop. It is not just effecting me but others around me, who have nothing to do with this loan. 

Navient has been harassing me to make payments which I financially can not. My income is less than the bills I owe. They keep contacting me but yet ignore me when I contact them, or when myself or my co-signer offer a solution to the issues. We have offered to pay off the loan and were met with rudeness and an unrealistic counter offer. 

I have sent out letters today ( both old and new ones ) to 3 different addresses. I sent letters to general correspondence, processing and the office of the customer advocate. I also sent these with signature/tracking so that I know whether they are received or not. I did this because Navient so far has ignored any letters I have sent. 

If I could afford it I would be making payments on this loan. The financial situation that I am in right now does not permit me to afford the current payments and if Navient can't work with me, my only option is default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In 2016 I was living in Tennessee and XXXX XXXX sent me a credit card. Now that is showing on my credit report as a write off due to the fact that I can not pay it back. How can these companies take advantage of Senior Citizens who are on Social Security and getting less that {$800.00} per month? That is dishonest to loop seniors into credit the company KNOWS the person will default! It's deceitful to play on Seniors like that and put it on a credit report that prevents us from getting HUD and Section 8 rentals because they all look at your credit report! I want them to remove all their stuff from the credit card people to give me an even break

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 2020-09-05
Company: AMERICAN EXPRESS COMPANY
State: NY
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 rewards from credit card

Complaint:
I got an Email from Amex with an back to school offer I follow everything then I suppose to get XXXX $ cast back contact AMEX a few times they agree to honor the offer but They never did. Amounts XXXX {$35.00} {$5.00} $ XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX granted myself and my partner, a credit card account in XXXX. In XXXX my partner and I, separated and I closed this account and paid XXXX of the XXXX balance ( continued payments made for the XXXX balance at the time ) XXXX, was advised of the personal circumstances at the time, and agreed to close the account due to previous unauthorized transactions made on the account without my knowledge or authorization. This past XXXX, with a balance of XXXX XXXX, allowed charges, unbeknownst, unauthorized and without my permission. 
I returned to XXXX to inquire about the status of the account they informed me the account wasnt closed, but paused, and recently reactivated. XXXX allowed XXXX more in charges without my knowledge, permission or authority. Once again, they assured me the account is CLOSED and no charges would be allowed. XXXX not only failed to secure my account they allowed charges to continue without following their own guidelines, by NOT validating and failing to confirm with me ANY and ALL transactions made in my name under any circumstances. Any attempts to charge or withdraw monies must be verified by directly contacting me BEFORE any approval is to be granted. All my XXXX accounts have fraud and security alerts in place to avoid fraudulent charges they continue to breach my accounts and fail to properly protect my money. In addition, my credit score has been severely affected and continues to show as a negative against me on my credit report. This account should be completely removed from my credit report, entirely.

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 2020-05-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Earlier before today, l had told American Express that because of the COVID-19 emergency disaster and declaration on-going that l will not be able to commit to pay them any money unless l have it. The declaration also calls for non-collection, non late payment reporting to the credit bureaus and for creditors to follow " Fair Credit Reporting '' this time around. l hope this my assumptions are correct because as a business and a person, that is all l heard. 

But today, unfortunately it just came to my attention my credit file contained a collection account from a third party business called XXXX on behalf of American Express. In the conversation, it sounded like American Express deceived this collection agency and gave them my business account balance and told them it was my personal credit card account when indeed l never had or had long ceased to have a personal credit card with American Express. Talking to one Mr. XXXX, he imposed on me that the account in question is my personal credit that l owed American Express. His lies are so bare that he jumped from talking to me to wanting to talk to my nephew XXXX who lives in XXXX and XXXX XXXX, my XXXX  who lives in Indiana. 

Initially l thought l was dealing with a legitimate company but when the callers started mentioning XXXX and XXXX, l knew it was a desperate an intimidation strategy. Mr. XXXX if residing in the US, needs to be deported back to his country of emigration or be put in jail for saying he was calling me about my personal credit account with American Express and still wants to talk to the two individuals l mentioned. My also also has told me they called here cell phone looking for me and both XXXX and XXXX. Anyone in this country with an ounce of sense should understand the meaning of privacy. For how can you try to reach anyone for my personal account. 

l did quickly realize that l was talking to a buffoon when he raised his voice and kept threatening me withe balance which l did not originate as a personal account. This complain is made against American Express and XXXX XXXX agency. What a thuggery of an outfit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
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:
In XXXX of 2019 I decided to buy a home. I went to a place called affordable housing. In affordable housing they started off by asking what my credit score was and I had no idea at the time. They recommend I got my credit report pulled and we go from there. As we reviewed my report I notice a numerous of things that were not mine. Can you please remove these items from my report. XXXX XXXXXXXX {$2500.00} XXXX XXXX {$2200.00} XXXX XXXX {$2000.00} XXXX XXXX {$5500.00} XXXX   XXXX {$3500.00} XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX  XXXX {$900.00}

Company response to consumer: Closed with explanation