BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: CASH AMERICA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX has called several times from XXXX for an employee. The calls have been made to a business line that take multiple calls on multiple lines. The XXXX XXXX rep. XXXX XXXX notified the University that she needed to get into contact with the employee yesterday ( XX/XX/20 ) and we took a message and said that the employee is on leave and that they should try his personal number but we would relay the message. She gave us the supervisor 's contact information ( XXXX XXXX XXXX XXXX for the employee to call. Today, the rep was notified again that this was not an appropriate way to get in contact with the employee and was told not to call this number. The rep continues to call the number which has multiple phone lines attached to it and hang up. Our business line had to be set up to automatically be transferred to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 contacted Transunion, XXXX, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XXXX-XXXX-18 and nobody called to confirm if I was opening up a new account.

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 2018-11-23
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.

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 2018-11-23
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX  credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX, received letter from PNC Bank that the mortgage payment on our residence would decrease from {$900.00} to {$890.00}, effective XXXX XXXX. 

PNC has never reduced our payment despite numerous attempts via email and phone to get them to do what their letter said they would do. 

PNC has instead, unilaterally, lessened their exposure by applying the excess payment to principle WITHOUT OUR KNOWLEDGE OR CONSENT. 

PNC said they would reduce the mortgage payment, they have not and inspite of our best efforts to get PNC to comply, they have refused to do so. 

Attached is PNC notice that PAYMENT would be reduced. 

Attached is XXXX payment history showing that excess payments auto-debited from our checking account, are being applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: FL
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'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.

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 2018-05-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
this loan servicer was involved in not only adding insurance to my loan when I already had insurance through my main mortgage but dual tracking and trying to foreclose on my home. I have complained about this in the past and nothing seems to being done against them. I had a heloc with another company and it was handed to Specialized Loan Servicing, since I had filed a bankruptcy I received no statements from this company and was not aware my loan was due to mature. Additionally since I had modified my mortgage this loan moved to the first position on my home. I tried for 2 years to get them to modify this loan and through numerous sets of paperwork. There was always something missing. They put my home on the fast track for foreclosure and I had to file Chapter XXXX bankruptcy to keep my home. I reached out to a lawyers office who had filed a class action lawsuit against them for doing the same thing they did to me. The lawyer told me while they did agree this company was engaged in dual-tracking of my loan, but because the loan was a HELOC it didn't fall under RESPA. I believe the actions of this company were solely because of the amount of equity I have in my home. How can they still be doing business in California?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is 2 debts being reported to all 3 credit bureaus from XXXX XXXX. I have disputed these charges. There are 3 accounts and I only had one account with XXXX XXXX, which was paid on time and paid off in full. The other 2 says charge-off, delinquent. I have disputed these charges. This was fraud/identity theft. I contacted XXXX XXXX about this and they refuse to show me where I signed for these other 2 loans. It keeps being on my credit report as being accurate. The amount showing is {$750.00} past due as if XXXX XXXX. I contacted XXXX   XXXX again and spoke to XXXX on XX/XX/2020 and she informed me that if I pay {$200.00} that XXXX XXXX would remove this debt from credit, although this is not my debt, so I sent XXXX XXXX a check for {$200.00}. I informed the credit bureaus of this and sent the credit bureaus the letter, and the cleared check for {$200.00} that I sent XXXX XXXX. It still remains 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 explanation
Consumer complaint received 2018-11-23
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX report, it shows that JP Morgan Chase that I owe a balance of {$310.00}. The alleged account also states that it was closed XX/XX/2013. I have no knowledge of this account. Also the alleged account was closed over 5 years ago and needs to be removed from my XXXX report. After the account is removed please send me another report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Client Services, 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: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX THE ACCOUNT LISTED ABOVE IS IN VIOLATION OF THE FCRA. I HAVE SETTLED IN FULL THE BALANCE ON XX/XX/2021. PLEASE SEE THE ATTACHED PAID IN FULL LETTER. I CALLED " CLIENT SERVICES '' WHICH IS A 3RD PARTY COLLECTOR FOR XXXX XXXX  AND THEY CAN NOT LOCATE MY ACCOUNT. I THEN CALLED XXXX XXXX  AND THEY ARE SAYING THE SAME THING. I HAVE PROVIDED A SCREENSHOT OF MY TRANSACTION HISTORY ON MY BANK APP AND A PAID IN FULL LETTER DIRECTLY FROM " CLIENT SERVICES '' AS PROOF. THIS ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT FILE IMMDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: C/C Financial
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found out about the debt XXXX XXXX 2020. I contacted the company and as them to do a fraud investigation and they said only if I provide copies of ssn card and drivers license. I said no why would I give my personal ID on an account that I did not open. I was told that the account was open via online in XXXX 2020 at midnight for a business at an address i never lived. Once the account default they called me but before default money was auto draft from an acct I never had and they have been speaking to this fraud person regarding the acct along with references. No inquiry has ever appeared on my credit file from the company especially because i have always had a credit lock. This company is known for opening accounts against consumers claiming via online w no inquiries then trying to collect on false debts and is always sued. Also i have a ftc report and irs fraud report because my ssn was stolen.

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 2018-11-23
Company: Bankers Auto Acceptance
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX employee, XXXX, calls me repeatedly. I paid my XXXX payment but they will not put it towards my car because I did not have insurance at the time. I sent my new insurance to the company and they deny to have ever gotten it. Ive talked to XXXX several times and she just laughs at me and continuously yells over the phone that its my problem and I need to fix it. After wanting my current insurance, they started to ask for months prior ( XXXX ) when they should have it because I turned in the insurance documents to the XXXX and they sent the documents to XXXX XXXX. They want to charge me XXXX again, because the money I paid towards my car payment now went to them as insurance fees. They continuously send me letters saying I am in collections now. They sent someone to my house to take my car or threaten to take it because it was 10 days late after taking my money for insurance fees. 
The photos provide the letters sent to my house about collections, my old insurance, my new insurance company and a bank statement as to when I paid my car in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Remitly, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I tried to send XXXX USD on to my parents who are visiting XXXX on XX/XX/2020. The money supposed to be deposited in XXXX to XXXX mins into their bank account in XXXX. Today is XX/XX/2020 but My parents did not receive the money transfer neither I go the refund back from Remitly. I have contacted their customer service so many times but they never me a clear answer about the status of my money. They claimed that their system shows the money was sent but the bank in XXXX did not receive their money and their customer service agent confirmed it more than once. They told me that I would hear back from them with a solution within XXXX to XXXX hours every single time I contacted them but they never contacted me back. Their website stated that their phone service was disabled due to Covid19 so they had a chat service now that service is disabled as well and I can not even contact them about my transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: EQUIFAX, 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:
In XX/XX/2017 I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency XXXX. The list of disputed accounts on id theft report were deleted..The problem is that XXXX  additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
XXXX additionally communicated to XXXX and Equifax  information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get XXXX to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force XXXX to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of XXXX and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that XXXX has further blocked the re-entry of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX there where some unauthorized charges on my account. I contacted chase and was reimbursed and now the charges are back on my account. After calling chase they informed me that I need to submit proof of where I was, but how can you submit proof if the only thing there looking for is if you where out of town or a doctors appointment. I think its unfair to charge someone for fraudulent purchases

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was denied a XXXX credit card in XXXX. After contacting the telephone number on the denial letter, I found out that they only use Experian to check credit. Experian doesn't show any credit for me despite being an authorized user on two cards that we use ( I had closed cards that we didn't use and they were in my name ). I contacted Experian and they refuse to do anything. They say it is a fault in the two credit card reporting system and not their system even though they didn't even look at their system. I contacted the credit card companies and they assured me that the information is reported correctly to all three reporting companies. XXXX  and XXXX  have the cards reported correctly. Experian also shows the cards in my wife 's report correctly. I tried opening a XXXX XXXX credit card in XX/XX/XXXX and was denied so we had to open it in my wife 's name. This week I tried to open a XXXX ' credit card and was denied, again because they only use Experian. Because of a fault in Experian, I am being denied credit despite excellent credit for 30 years ( we have had XXXX  since early XXXX  's ). Experian has never once shown credit on my report unless it was opened in my name. I am now forced to open a XXXX  XXXX credit card ( that I don't need ) in my name ( after I finally found one that doesn't use Experian or perhaps uses multiple sources ) and build up credit because I am tired of having to open credit in my wife 's name.

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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One promoted its Venture credit card with a {$0.00} introductory annual membership fee. It also promoted a XXXX mile reward if {$3000.00} was spent in the first 3 months XXXX https : //www.capitalone.com/credit-cards/venture/ ). XXXX Capital One has since introduced a XXXX mile award card with an annual fee of {$95.00}. At the time I applied, the introductory annual membership fee was {$0.00}. ) The account was activated ( opened ) in XX/XX/XXXX, but Capital One charged me {$95.00} annual membership fee in XX/XX/XXXX, two months before the introductory period expired -- which violates its own Customer Agreement ( COF Customer Agreement XXXX ), page XXXX, section titled " Membership Fee '' : " If your account terms include a {$0.00} introductory fee, we may charge the first fee when the introductory period ends. '' Furthermore, Capital One activated the credit card before sending it to me across an international border. The card arrived with a big bold sticker declaring that the card was activated and ready for spending. The envelope had been opened by Customs as it crossed into XXXX -- a perfect situation for enabling credit card fraud! After making one travel-related purchase of more than {$3000.00} to lock in the promotional award, I put a restriction on the card, making it useless. 

Capital One has refused to honor the promotional award, which it now says can only be applied to future travel-related purchases. Besides that fact that we are in a worldwide pandemic where travel is discouraged and not responsible, the card that Capital One sent me ( activated, across an international border ) was useless. 

To resolve this, I'd like the following steps taken : Reverse the annual fee, the interest charges and the late fees. 

Refund the {$25.00} I paid in XXXX to avoid late charges. 

Provide the full promised awards for using the card. 

Close the account. 

Note on my credit report that Capital One was responsible for errors. 

Thank you.

Company response to consumer: Closed with explanation