BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
FCRA COMPLIANCE PROCEDURES SECTION 607 ( B ) states that Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I believe your company is not in complaint because when I try to research these accounts you have on my credit you do not provide the full account number. Therefore, I can not confirm the accuracy of these accounts with no account numbers showing fully. Remove these accounts from my credit report. Reporting this stuff is very misleading is a violation of the United States Code Law. 
FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. The account is INACCURATE and I'm seeking LITIGATION REMOVE/DELETE IMMEDIATELY. 
15 U.S. Code 1666 ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have always paid this on time again this Account Has always been PAID AS AGREED on time Please REMOVE INACCURATE reported late payments please update to PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Used PNC 's Online Bill Pay to pay my XXXX XXXX credit card bill. In the autopay option in my PNC online bill pay, I had set up autopay and chose the option to pay " amount due '' upto {$1000.00}. It was my understanding that this would payoff the entire balance of {$450.00} on my statement from XX/XX/2017 ( since this was less than {$1000.00} ), but PNC only paid the minimum payment of {$25.00} for the last four months. This resulted in interest charges, and a negative impact on my credit score.

I brought this up with PNC bank talking to two different representatives in online banking services yesterday and today, and escalated to the manager today. They all refused to admit that there was any problem whatsoever with their systems, and refused to address the impact of the error.

Specifically, it is my opinion that 1 ) " Balance Due '' does not mean minimum payment and they fix their interface which I believe is misleading and erroneous.

2 ) Admit that this was a bank error and take responsibility for all interest charges from this error. 

3 ) They compensate me for the negative impact on my credit score, and their mistakes. 

Thank you for your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/2017 an inquiry was fraudulently made against 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 2018-09-20
Company: Experian Information Solutions Inc.
State: MD
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:
experian told me on XX/XX/XXXX they was going to keep the mix credit file and report on my credit file and keep all the wrong names and wrong address when i ask on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I STILL HAVEN T HEARD FROM THEM AND GOT THE CORRECT HELP EXPERIAN NEED SOMEONE FROM THE CFPB COME AND HOLD THERE HAND AND DO RIGHT MY PEOPLE AND STOP REPORT WRONG INFORMATION ON MY CREDIT REPORT ..

SINCE I HAVE PROVIDE PROOF ..

XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINES ITS ACCTACH TO SOMEONES ELSE CREDIT PROFILE SINCE XX/XX/XXXX AGAIN ...

XXXX XXXX XXXX THESE ACCOUNT ARE NOT MINES PLEASE HELP AND DELETED FIX MY CREDIT SOCRE BACK TO A XXXX ASAP PLEASE AND THANK U

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 2018-12-04
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello my name is XXXX XXXX. I have not been with BB & T a full month, and the customer service I have received from their employees has definitely been distasteful. My last encounter I begged the account representative to transfer me over to an supervisor. He refused and threatened to hang up the phone on me. I stated multiple times can you please transfer me to a supervisor. It was when I asked him his name. He only gave me a first name and when I asked well since you wont release last name so that I could reference him in my complaint his employee number or anything to tie me back to him he wouldnt. He went straight to putting me on hold without saying anything and there I waited 10 minutes for a supervisor to pickup the line. Horrible customer service. 

I called BB & T because I was charged 5 overdraft fees. I spent {$15.00} more than I was supposed to but yet I was {$36.00} 5 different times. My account is positive when purchases go through, but I am still being charged overdraft fees, even though im technically not in the negative until the last purchase goes through. This should be illegal and a burden on their Customers.

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 2021-09-16
Company: General Motors Financial Company, 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 noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Americredit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: EQUIFAX, 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:
cra violation of my consumer protection act po report sent to XXXX XXXX XXXX inaccurate information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did not know any better, I has a XXXX, but I still had income. 
First it was - I could not get any information about my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Paid then {$10000.00} Second - XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Paid them {$9500.00} They put a cease and desist on my account. I could not speak to the bank concerning my mortgage at all. The bank would only speak to anyone except an attorney. 

After the first fight I had with XXXX XXXX XXXX and I refused to pay anymore money to them I had to get help. 
XXXX XXXXXXXX XXXX XXXX and they all promised 100 % that I had all that was necessary for a loan modification or some type of workout because I had income. 
It never happened. my home was put in to foreclosure with a sale date. 
I finally got into my account and now I submitted documents to be considered for a modification. I get a pension and I have a job. I don't know what went on when I had no communication concerning my account, but I am asking that Carrington will allow me to get everything they need before they put another foreclosure sale date on my home. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been paying on my student loans for 5 years now. After several forbearances ( recommended from Navient ), I started making payments of ~ {$260.00} per month. 

I recently went to pay my remaining balance in full ( ~ $ XXXX ) and thought I was done with my student loans. I also recently obtained a XXXX XXXX credit card that provides a free credit monitoring service and noticed an additional ~ $ 30K that was delinquent. I called Navient to ensure that the XXXX was all that I owed, and they assured me. 

I called the Department of Education line ( who was very helpful ) who discovered they sent accounts I was still paying on into debt collections. I need a resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
We went into the store to make a couple of large purchases. My husband and I bought a mattress and a couch and coffee table. The promotion they were offering us was 4 years no interest. We got our first statement and it was different than what we agreed on with the sales person. We called and spoke to the store manager and he assured us he would be able to fix this issue by changing a code in their system. We were told that our payments would be set up to pay off our balance in full within the promo period and we would avoid all interest payments. 
I received an alert from a credit bureau that my credit use had increased, my score dropped and they would be adding all back interest to my account. They increased my minimum payment to over double. We tried contacting the bank and the store manager and neither were helpful.

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 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Company claims that this is not showing on my credit report I have attached proof to show that this account is showing!

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 2017-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received alerts on my credit reports that XXXX has pulled my credit. I notified XXXX that i did NOT apply for credit with them. I was informed that this would be cleared up. Surprisingly a week later i received a card in the mail from Capital One which I did NOT activate. I cut the card up and mailed it to Capital One along with a letter explaining that my ID had been compromised and that Capital One needs to remove the inquiry from my reports. 

Unfortunately, I received a credit alert on my monitoring service that a NEW Account has been added to my credit reports by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received a background check and they're saying I some time use the name XXXX XXXX or something like that and that I also lived in South Carolina at one point or another both of these wholly wrong I've never used an alias in my life or lived in South Carolina now My brother XXXX XXXX XXXX has done these things but not me he has also used my name as a alias before several times I've had to deal with that My whole life and tired of it go talk to him about alias thank you

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 2021-09-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I My XXXX Credit report missed two addresses first lived from XXXX to XXXX and second from XXXX to XXXX, ( and too many many of the same address I had rented for a short period of time a bedroom only for 3 months XXXX XXXX XXXX repeated as my residence ) ... I followed directives sending ID documentation along with a typed printout of my addresses in chronological order to as advised to : XXXX XXXX XXXX XXXX, XXXX TX XXXX that was returned " Return To Sender No Such Number Unable to Forward ''. 

Furthermore, my attempt to generate a credit report via XXXX, I got twice the notification it would not recognize my profile no such information credit report ( my correct SSN, Addresses, Name, DOB were entered ), and unrecognized ... That is a HUGE concern and red flag. 

Please advise if there should be a different address for XXXX I should forward my documentation and request to fix any discrepancies for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
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 HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 XXXX am I received a phone call from a XXXX number at my place of employment. The lady on the line said this was an attempt to collect a debt on behalf of XXXX XXXX   Lending Club, but did not state what company she was calling from. I responded with, " okay, I can not speak on this line because this is my place of employment. '' She became very rude and hostile stating that if I didn't tell her why I haven't paid my debt and speak with her today that there would be a lawsuit filed against me. I advised her that I have never received a notice from her company or received a notice that my debt had been sold off to another company. I stated that I would not be paying anything without proper paperwork and documentation. I asked her if there was a number I could call her back at so that this conversation did not interrupt my work in which she did not want to give me because, " I don't think you're going to call back and settle this debt since you haven't paid it already. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am currently in the process of a divorce and I am not able to pay on 2 of my pay day loans. I am wanting to seek help for this because I don't want my wages to get garnished if they can end up doing so. Thanks for the help. The date for my cashnet loan has been in effect for 2 years now and I payed them monthly payment for 8 months and then had to stop do to financial issues and now my divorce. My loan with check into cash I had only had for a year but I can not repay that back right now also due to my divorce. 

XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
On the date of XX/XX/XXXX at XXXX I entered into a recorded verbal phone conversation with Capital One Auto Finance, known as COAF on my credit report. I informed them I was reviewing my credit report and noticed two inquiries that I did not recognize. I asked them if they could verify the inquiries as authorized or unauthorized, meaning in accordance with the FCRA laws they must have my signature. The male representative did verify they have no record of the inquiries listed on my credit report of the date of XX/XX/XXXX and XX/XX/XXXX. As well, he verified there is no signature that exist for those inquiries. I demanded that the company delete the inquiries then. So, he told me I could dispute it by mailing in certain information. I then explained to him I will not pay for mailing and out put my own money for disputing an inquiry that was never mine in the first place. So, when he refused to give me an email address that I could send all the information requested to, I then informed him I will be filing a complaint with the Consumer Finance Protection Bureau, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Account information incorrect

Complaint:
I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.

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 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have tried to reach out to Bank Of America because my account is currently negative {$360.00} which {$310.00} of that is all overdraft fees, I told them I want to bring my account in good standing but only have {$100.00}. Today before I proceeded with making a complaint I contact bank of america one last time to see if they atleast help me remove half of those fees and she was only able to remove 3 which honestly not alot of help ...

I am currently struggling because my check is {$600.00} short due to only working 20 hours a week, and having 2 deaths in the family due to XXXX. so helping me remove those fees would help me alot.. I have contacted them 4 times and they always just say they cant help and that theres an agreement that they can charge those overdraft fees but theyre clearly not being considerate that their clients are struggling. yet they're currently trying to charge us for money I dont even have. worse part is I would understand if theyre covering the bills and actually paying for them on top of an overdraft fee but all those fees are are due to the ach bouncing. all Im asking for from Bank Of America during these tough times is to help me remove those overdraft fees. if I had the money to cover these overdraft fees I would just do it instead of going through this whole hassle but I have no other option. 
I have provided proof of my paystubs of how much my income has changed in the last couple of months ...

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 2019-05-08
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I went shopping for mortgage was told to get offers from others lenders and it would not effect my credit score .So I did and it dinged my credit score after I was told that the mortgage inquires would show up once it is affecting my score negatively now I dont get approval when I started I was preapproved how can I get this fixed so I can buy my house

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