BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
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: Investigation took more than 30 days

Complaint:
I sent in letters to Experian about incorrect information on my credit report. I sent the documents certified mail. I received a letter from the XX/XX/23 that stated they would not go forward with my investigation because they didn't think it was me that authorized the letters. I called the Experian on XX/XX/23 and told them I have full knowledge of the letters because I sent them in and I want to go forward with the investigation. I waited a couple of days and called them back XX/XX/23. They told me that they had not received my documents. I told them I sent the letters in certified and I could verify the letters were delivered. The representee then told me she still could not find my information and that I had gotten the response from them in the mail because they didn't think I sent the letters in but also told me because I received that response from them that any information or documents I sent mail was discarded. Wow had me in and uproar, certified mail is expensive. She then gave me information to an upload portal { www.experianXXXX XXXX and had me upload my letters again. I was so frustrated because I knew they received the letters. I called today XX/XX/23 to check the status of my investigation. Before I got to speak with the representative XXXX I was hung up on three different times. XXXX then told me the original documents that I sent in certified mail were there from the beginning and she didn't know why the former rep would tell me otherwise and also told me that the investigation has not been started yet. As a consumer I'm so disappointed in how Experian is handling my investigation. I am considering getting my attorney involved.

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 2020-09-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-05-18
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: Personal information incorrect

Complaint:
I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. XXXX has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: NJ
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:
I placed complaints with CFPB on XX/XX/XXXX for XXXX, Equifax, XXXX regarding accounts being on my report that were opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! 

CFPB Complaint ID : XXXX Complaint ID : XXXX Complaint ID : XXXX It has been over 30 days and NOTHING has been resolved!!! 

Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! 
Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I purchased {$300.00} in Bitcoins on CoinBase. I was initially told the funds cleared from my Bank account on XX/XX/XXXX. I purchased another {$300.00} on XX/XX/XXXX recognizing it would take about 5 days to clear. 
Coinbase now says that I won't have access to those funds until XX/XX/XXXX! 
My Bank account has been charged {$600.00} and while I don't have access to those funds on Coinbase due to a drop in Bitcoin values I'm loosing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Bread Financial Holdings, Inc.
State: TX
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:
On XX/XX/XXXX I received an alert from XXXX  regarding past due credit card XXXX  bank XXXX visa CredyCard. Last time I used card was XXXX. I paid off balance in XX/XX/XXXX some how a {$2.00} dollar interest rate fee was incurred and continue to add up. No call no email and from XXXX to XXXX incurred {$30.00} of which I paid. This practice by hidden interest rates was not disclosed to me and currently shows negative points on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the fair credit reporting act XXXX  Accounts XXXX # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-10-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did file a previous complaint against XXXX XXXX XXXX case # XXXX, on XXXX XXXX but there is no answer to that complaint yet, instead they did file a FRIVOLOUS FORECLOSURE at the XXXX XXXX Courthouse against my property, Case # XXXX staying I did not make payments from XXXX to present, which is not true as the bank statements enclosed show, instead XXXX is returning my paymets see proof XXXX supporting foreclosure documentation doesnt support the claim as is just the initial loan paperwork and loan modification of XXXX annexed to my previous complaint. XXXX foreclosure stays I owe them {$25000.00}, but there are no pending payments and I always pay on time so when I called Bayview Loan Servicing with the help of Credit org ( call ID # XXXX ) I could finally talk to them and ask about the claimed amount of {$25000.00} but no explanation was given and they hang up on me. After that XXXX XXXX from Bayview Loan Servicing called me today to say the foreclosure is because of my lack of payment from XXXX this year to present ; which is not true as it can seen the Bank statements. I never missed a payment. XXXX XXXX said he wanted to see the proof of payment so here enclosed are the Bank statements showing the payments. XXXX XXXX neither explained in what was based the claim of {$25000.00}. Making a frivolous foreclosure claim with no legal ground is a serious issue, a total abuse, and an attempt to damage my interests and my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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: Was not notified of investigation status or results

Complaint:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes. I know that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know what this debt is therefore I attempted to have company remove but that was not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
PLSF : I have been making qualifying payments towards the PLSF- Public Service Loan Program since my employment with a governmental organization ( Department of XXXX XXXX and XXXX ) since XX/XX/XXXX. I have the employment certification confirming this information since XX/XX/XXXX to present day. 
In XX/XX/XXXX, I received a payment count letter from XXXX noting that I have made only 4 out of 24 Qualifying Payments towards the PLSF program fromXX/XX/XXXX to XX/XX/XXXX. I then contacted XXXX in XX/XX/XXXX requesting review of the payment history and why only 4 payments were being counted and not the entire 2 year period ( 24 payments ). Please note the payments were paid through my debit account as per instructions provided by XXXX and verbally confirmed via customer service at fedloan that these payments were being counted under the PLSF qualifying payments from XX/XX/XXXX to XX/XX/XXXX. 
In XX/XX/XXXX, I had not received any updates regarding the payment review or an updated qualifying payment letter. So I filed a complaint regarding this matter through Student Aid feedback in XX/XX/XXXX. I was then assigned a team member from XXXX and an updated qualifying payment to 23.  However, the payments from XX/XX/XXXX to XX/XX/XXXX stands at 4 due to pay ahead schedule that i requested to be taken off and reviewed as XXXX verbally confirmed that the pay ahead schedule is being reviewed and can be disputed if i was given the wrong information. On XX/XX/XXXX, they confirmed the review has been closed and the payment count for XX/XX/XXXX-XX/XX/XXXX stands at 4 due to not paying full a, ount due to pay ahead status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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 did not authorize Capital One Auto to access my credit file or solicit any finance offer to me in 2021. Capital One Auto has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with Capital One Auto. I received a phone call from Capital One Auto soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. 

I did not authorize XXXX to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to Covid-19 my Husband who is the main source of income in our family was furloughed on XX/XX/XXXX. Hyundai Motor Finance, whom we have two vehicle leases with, was offering 90 days deferment for those affected by Covid related lay offs. The only option they gave to apply the deferment to your account was a email form on the website where you selected 'Covid 19 '' as the reason for deferment. 
I submitted the form in XXXX and received a generic email saying they received my request. We never received any follow up information in the mail, or calls from Hyundai to confirm the deferment plan. I continuously called their customer service line the entire month of XXXX and XXXX, getting an automated recording that they had high call volume and to try again later. I was not able to successfully talk to someone live until XXXX. 
The customer service representative told me to not make any payments for the past due accounts and that they would have to process one month at a time, to apply for the deferment program, but that XXXX, XXXX and XXXX would be covered under their program. Several representatives assured me that our credit would not be affected, our account would not be late and that the deferred payments would get added to the end of our lease term billing. 
Since then, we have noticed my husbands credit score, as well as mine, have gone down significantly. We attempted to contact Hyundai,  receiving once again the automatic message about high call volume, with no option to speak to a person. After several days of trying a representative told us that the deferment program was no ended and there was no way to apply the program to our now, very overdue account. I asked to speak with a supervisor and was given no helpful information and was told our credit would be affected until we paid our account in full. They claim that we never followed up on the deferment program, when I did actually call repeatedly with no way of talking to someone. 
I contacted our local XXXX XXXX XXXX XXXX  and they said, as long as I filled the form claiming Covid job loss on there website I would be okay and eventually it would be applied to our account. 
We are unsure what to do, but are discouraged our credit is being affected despite Hyundai  offering a 90 day deferment, that we met every requirement of.

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 2019-03-08
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I applied for a Gold Delta SkyMiles Business Card in response to a promotional email I received. The promotion states approved card members will receive XXXX Bonus Miles after you make XXXX in purchases in the first 3 months and a {$50.00} statement credit after you make a XXXX purchase within the first 3 months. Also, there is no annual fee for the first year. After the first year, the annual fee is {$95.00}. I received the XXXX XXXX Sky Miles and the {$50.00} statement credit, but XXXX did not waive the annual fee for the first year. In response to my previous complaint with CFPB against the credit card company, XXXX stated this promotional offer is only for the Gold Delta SkyMiles consumer card. The enclosed promotional offer does not state this offer is only valid for the consumer card ( see attached ), nor was I told that when I applied for the credit card. This is nothing more than an illegal bait and switch tactic. I spoke with a representative this morning at XXXX. The representative stated she can't see this promotional offer I am referring to because it is expired. However, she said the promotions are the same for business and consumer credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Today XX/XX/2018, I had a total of {$120.00} in my checking account. Now I checked my account and Wells Fargo has slapped me with a {$75.00} over draft fee. They said I sent money to my son via XXXX. Help me understand if my account had no money how can I transfers XXXX to my son XXXX account, this XXXX doesnt add up. Over the weekend I deposited {$350.00} into my account and now Wells Fargo wants to charge me over draft fees, I spoke to a few customers to reimburse me but they all had different stories. I have call in the pass to not let let transaction go through if I dont have enough money but Wells Fargo fails to to protect my account but instead they steal me by charging me and I am so tired of it, that I will bring this matter to my lawyer and we will see them in court. I would appreciate it if they reimburse me that {$75.00} back to my account because I dont just sit on my XXXX and receives money, I work really hard for XXXX to rob me. I am utterly disgusted at how they steal and rob poor people like me. I will post this comment on XXXX so it can go viral and my statement. I am done playing games with Wells Fargo. 
I would like my refund of {$75.00}. Thanks 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 explanation
Consumer complaint received 2019-10-24
Company: PNC Bank N.A.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a equity loan/2nd mortgage with PNC. My monthly minimum payment is {$290.00} and change and due on the XXXX of the month. I send them {$80.00} a week however, they are not applying The entire payment to the monthly minimum. This has been going on for a few months. This month I have paid {$80.00} on XX/XX/XXXX, {$80.00} on XXXX, {$80.00} on XX/XX/XXXX and {$80.00} on XX/XX/XXXX. That is a total of {$320.00} yet they say I still owe {$110.00} for the payment that was due XX/XX/XXXX. This has been going on since XXXX or before and I am now receiving collection calls

Company response to consumer: Closed with explanation