BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX  are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

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 2018-06-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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: Information is incorrect

Complaint:
I tried to apply with a bank and was denied because of chex systems reporting. I've tried submitting a request disputing the negative items be it still remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: NC
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Validate Account SXXXX XXXX XXXX  Account Number : XXXX Please remove it from 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 2019-08-23
Company: Aargon Agency, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was checking my credit report and there was an account that had information that doesn't pertain to me. Also I have proof where I was at when this account was made.

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 2020-06-06
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I'm trying to except business payments made through my XXXX XXXX and it's not working. Why can't I receive payments through XXXX XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Consumer Portfolio Services , Inc. on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Consumer Portfolio Services , Inc. violated federal law. see 15 USC 1681b A2. I did not give Consumer Portfolio Services , Inc . Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I suppose to still pending with a debt with XXXX XXXX XXXX and it was settle down a time ago, there is no way to erase it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: CITIBANK, N.A.
State: NJ
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:
Company yet AGAIN rebilled me for a transaction that I proved to be invalid!!! 
For this particular one, I emailed them proof on XX/XX/XXXX. They sent a letter out XX/XX/XXXX stating they found the charge to be valid, completely disregarding my supporting documentation showing that I was already charged for the same transaction by my other bank ...

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 2017-12-06
Company: PNC Bank N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I own a business that sells a product online. I use PNC Bank Merchant services.  They charge me a lot of fees to process my transactions. I found a different company that offers lower fees. Turns out I ca n't switch without paying an early termination fee. I did not know there was a fee for early termination when I signed up. Second, online transactions require what is called a " gateway ''. PNC forces me to use a gateway called Payeasy. If I do n't use Payeasy. I have to pay an exorbitant fee for every transaction that is processed. Turns out Payeasy is owned by PNC. I should be able to shop for a gateway without being penalized by PNC. They would be charging me a fee and I would be receiving nothing in return. They want to penalize me for not using their gateway company. that is not right. If this were a real estate transaction, it would be a clear violation of RESPA. I do n't think it is fair that I have to pay an early termination fee and I definetly don think it is right to charge me for using a gateway other that Payeasy. I should be able to choose who I want without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: WA
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:
This complaint is in response to an issue I have encountered with Equifax today ( XXXX XXXX, 2017 ) : I was notified by my credit card company that my Equifax account was frozen and that they were unable to pull my report. Since I had not requested the freeze on my account, I called Equifax. After giving the representative, my name, address, social security number, my credit card names and limits, and my previous addresses, the representative verified my identity, and explained that my account was on hold because I had changed my name earlier in the year. The Equifax representative explained that the hold could be removed once I faxed a copy of my Social Security Card and Driver 's License. 
After all of the issues Equifax has had with data security, I do not feel comfortable sending photocopies of my Social Security Card and Driver 's License. I understand that Equifax already has my Social Security Number and Driver 's license number, yet they do not have photo copies the physical cards. I refused to submit this data to Equifax as I had already verbally giving them all the data necessary to validate my identity. I have also changed my name with every account that reports my credit to Equifax. 
The conversation ended with the Equifax Representative stating that my credit report will be on hold until I submit the requested photo copies. 

Here are some salient facts : Equifax 's data security can not be trusted. 
Equifax is asking for photo copies of my SS card and DL, even though I had already verified my identity with security questions and my credit card companies. 
I did not choose to have my information sent to Equifax. The credit card company utilizes their services. 
Equifax is holding my credit history hostage until I release more data to them that they can potentially lose to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon, During the process of reviewing my credit report. I noticed the XXXX SCA Collections. It states that the file was opened on XX/XX/XXXX in the amount of {$65.00}. I contacted this company via certified letter asking for validation of this debt because the debt did not belong to me. I did not receive a response. I then contacted XXXX & XXXX credit bureaus via certified letter requesting the debt be validated or deleted and they sent correspondence stating the debt was validated but did not include any proof. I sent a second round of letters attempting to handle this matter. SCA COllections then sent an updated collections reports to the credit bureaus mentioned above on XX/XX/XXXX. SCA Collections license has been forfeited in the state of State of South Carolina & they are not authorized or licensed to collect on any debt, especially debt that does not belong to me. I have exhausted all options in attempting to getting this debt removed off of 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 explanation
Consumer complaint received 2018-02-05
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
We recently sent a letter to Equifax and XXXX XXXX, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has  taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also  misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life.

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 2020-06-06
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:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2018-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Due to a potential bug on Bank of Americas website, {$1100.00} were debited from my bank account on XX/XX/XXXX to make a payment towards my credit card account, which now has a negative balance of - {$1000.00}. 

Bank of America customer care has been giving me a hard time to get my own money back and has caused a lot of inconvenience to me. On XX/XX/XXXX, after talking with customer care for 29 minutes & 4 seconds, I was told that Id have to wait for XXXX business days before Bank of America would initiate a refund for {$1100.00}, which were automatically debited from my connected bank account. Obviously itd take a few more days for that amount to actually reach my bank account! 

On XX/XX/XXXX, I had made a purchase of {$1100.00} using my Bank of America credit card, which was in pending state, and didnt post, as the purchase wasnt finalized. The purchase details disappeared from the Bank of America website on XX/XX/XXXX, and instead, Bank of America debited my linked bank account for {$1100.00}, probably due to a bug in its online system! I requested several Bank of America customer care executives to report this bug, as it can possibly be reproduced by emulating such a ( unfinalized ) purchase. 
As of today ( XX/XX/XXXX ), Bank of America has temporarily disabled transactions on my credit card, and I wasnt even notified! So, first they withdrew funds from my bank account without my permission, and then they froze my credit card. After talking to Bank of America customer carXXXX on XX/XX/XXXX for XXXX minutes & 56 seconds, I was told that I cant make purchases using my credit card due to a huge negative balance, and they cant initiate a refund that amount to me before XX/XX/XXXX. 

Since Ive been asked to submit copies of my bank account statements to United States Citizenship & Immigration Services ( a federal government agency ) by XX/XX/XXXX, this mistake by Bank of America,  and its subsequent reluctance to acknowledge its mistake, has not only wasted a lot of my time, but has also caused other sorts of trouble for me.

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 2018-06-11
Company: ALCHRO 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:
I was mailed a letter onXX/XX/XXXX stating my account was written as a charity write off. The account specifically says the account is considered closed. 7 months later XX/XX/XXXX they are saying the account is delinquent and now its on my credit report. They said in order for it to be removed I need to pay an additional {$15.00} which is unfair and the account was never supposed to go in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX report show cc to syncb/bp ... I complained to them and they said it is my account and I should call BP MYSELF XXXX..called them on XXXX and they do not have an account in my name and would send a letter to XXXX to remove it ... .It is still not done. The XXXX report is correct ... .I ck both regularly,,, ,balance as of today is XXXX says date opened is XX/XX/1999 ... this is not mine ..they also gave acct # of XXXX again I always pay over the amount do on all my cards ... .this is not mine..XXXX   confirmation XXXX ... BP said it would be corrected within 30 days..well 30 days is up and it is still showing up on XXXX 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 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Hi, I am so glad there is an agency that I can turn to. I was sent prequalified auto loan advertising, many time from Capital One. I even have 3 credit card accounts and a auto loan with them now. All my cards have 60 % credit left, never late and the auto loan is more than 1/2 paid of in 1/2 the time. I bought a car 3 weeks ago, was asked for a pay stub. I provided a XX/XX/XXXX stub. We were furloughed late XXXX but my company pays for all benefits. They told us we are not laid off. Then just yesterday XX/XX/XXXX they wanted a newer pay stub I wont have one for 3 weeks. They will not pay the dealer even with a note from my employer stating I am employed. They said it was new just that day because of Covid-19. The deal closed on XX/XX/2020. I have the means to make the payments. The pay stubs provided are good for 45 days. Please look into random changes. And if they change rules it should be enacted going forward not retroactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
These Accounts are Fraud, I have no Knowledge of all accounts on this Report no one has any Consent to open any accounts without my Authorization THIS IS FRAUD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in Bankruptcy and my mortgage was sold by XXXX XXXX XXXX to Fay Servicing. When I received notification from Fay Servicing I called and set up my account online with them. I made a payment and told my rep that I would like to set up a repayment plan for the arrearages. I was told to fill out modification paperwork which I did and submitted on XX/XX/XXXX. After that they would no longer accept payments from me. I asked them to just resume payments and give me 12 months to pay off the arrearages. My Rep said he could do that after I completed the modification process, he said even if I did not qualify for modification he could get 12 month arrearage payback accepted by Fay. After countless calls and emails to my rep to finish this up all I ever got was requests for more documents and I was told everything had to be in before they would review my application. Finally after more phone calls and emails to my rep and submission of many documents over and over because they claimed they never had them I received a letter from Fay on XX/XX/XXXX stating they had a complete package and would get back to me within 30 days. On XX/XX/XXXX I received a letter from Fay saying they need additional documentation which I sent to them. They confirmed that they had everything needed. After a couple weeks I had not heard from them and I called to find out what was the status of my application. I was informed that I had now been transferred to a new rep for the third time. She explained that they now needed additional documentation and I had to get it to them by XX/XX/XXXX. I sent it to them on XX/XX/XXXX. On XX/XX/XXXX I found out they had put my Mortgage up for auction date of XX/XX/XXXX. Again I called Fay and was told that since my mortgage was listed for sale and we were within 38 days of the sale that they would no longer consider me for modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello Complain department Today I, am writing this complain in extremely frustrated condition, I paid my buy out quote on XX/XX/2021 to KIA Motors Finance, and since than waiting for my title, but every time I call to them, their customer tell me another story, I send hem payment on XX/XX/2021 XXXX email Odometer Statement XX/XX/2021 on email which they provided me XXXX And XXXX They were not checking their email and was keep asking me statement again and again, I sent statement many times from other email address too. 
Management, please help in this situation to get y tittle, they are making me to run here and there.

KIA Account Number XXXX Your cooperation would highly appreciate

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 2020-06-24
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: Information belongs to someone else

Complaint:
AS I WENT TO MY TAX PROFESSIONAL TO GET MY TAXES FILLED, MY CONSULTANT TOLD ME THAT I WAS NOT ABLE TO FILE MY TAXES DUE SOMEONE USING MY IDENTITY. AS I'M TRYING TO GET THAT TAKING CARE I DECIDED TO GET CREDIT REPORT PULLED. WHEN I GOT MY CREDIT REPORT THERE WAS A NUMEROUS LISTOF THINGS THAT I HAVE NEVER APPLIED FOR IN MY LIFE. PLEASE REMOVE THESE OFF MY CREDIT AS SOON AS POSSIBLE. XXXX XXXX {$3700.00} XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY 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