BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at XXXX XXXX. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.

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 2020-12-18
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a PayPal credit account on XX/XX/2020, reference number XXXX and was declined due to not been able to verify my identity. 
I already have an account with XXXX, I have a social security number and also a member of several financial institutions. I monitor my credit every day to which I had XXXX credit for XXXX, XXXX XXXX and XXXX XXXX. I want to know how come I am not being able to be verify. 
Am open to give you my Social Security if need be. Thanks

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 2018-01-30
Company: General Motors Financial Company, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I paid a portion on my XX/XX/XXXX payment of {$150.00} on XX/XX/XXXX. I called on XX/XX/XXXX to pay the remaining of my XX/XX/XXXX payment of {$250.00}. In total my payment is {$400.00}. I noticed that it was stating that I still owed {$150.00}. I call a representative on XX/XX/XXXX and stated the {$150.00} should have gone to my XX/XX/XXXX payment. She said she was reapplying to the payment so it would all be taken care of. Fast forward, one week later, I noticed it stated I still owed {$150.00}. I called again XX/XX/XXXX, the representative stated that she would also reapply my payment of {$150.00}. I asked how long would it take to see this change on my account. She stated two business days. Well here it is XX/XX/XXXX. My account is still showing I owe {$150.00}, along with late fees now. I've called numerous times. Every time I call, I get an automated recording stating they are experiencing high call volume at this time and the lines are busy or that their system is down. I've submitted 3 complaints online through my account. I've received 0 responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an inaccurate account that is reporting to my EXPERIAN and XXXX credit report. I sent a letter via standard shipping on XX/XX/2021, and I have yet to receive any explanation of this unknown account. This agency is in violation of the U.S. Fair Credit Reporting Act by failing to respond within 30 days. I am asking for proof of this debt or remove this account from my report. I also tried to submit a dispute for EXPERIAN online and received an error message being that this dispute is in process. This dispute should be over. Remove the following account Account : XXXX XXXX XXXX Amount : {$360.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: NAVY FEDERAL CREDIT UNION
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:
I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Read before using www.equifaxsecurity2017.com - The terms of service for that website state in part " AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a call from debt collections agency. I never received any sort of bill from original apartment complex. As I have no bill I am not sure what I was charged for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I attempted to refinance my existing mortgage and loan with PennyMac USA. They have been terrible lenders and from day one are not consistent with the information they provide and for over the past 8-months have continued to give me the run-around in spite of all the documentation I have provided.

Today, after 8-months they declined my loan without justification and the worst part is they're not willing to even provide me with a courtesy call or an explanation as to why it was declined since in mid XXXX my loan representative XXXX XXXX forwarded me an email that my loan was approved pending copies copies of my most current payroll check and a copy of a bill for verification of address. I provided the information without a doubt. The response they listed on the decline notice simply states " nonowner occupied '' which is untrue. Now, they removed me from their system and I can't get through over the phone to anyone, Also, they collected 2-costly appraisal fees from me totaling close to {$1000.00} which I'm out of pocket for. My property has a value of 50 % loan to value. PENNYMAC has unethical practices and should be looked at for their lack of customer services especially when I've had my loan with them for over 4 years and I have exceptional credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-30
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Acct # : XXXX Dear Phoenix Financial Services, I have received a Medical collection letter from you regarding a debt in the amount of {$180.00}. Though the letter is dated XX/XX/XXXX, I have only received it in XX/XX/XXXX and by XX/XX/XXXX it was already added to my credit report which has grossly damaged my credit. The letter that you provided was the first letter of it's kind that I received from you and I did not have enough time to accurately verified if the debt is legitimate. I did not know of this debt before nor did I received any information about this debt until now. {$180.00} is a such a small amount and could have welcome the opportunity to resolve the matter before damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
this is a continued complaint against my Mortgage company. Wells Fargo. I believe that they have committed fraud in the way that they have handled modifications, forebearances and repayment plans Along with the way they handle foreclosures. I was looking on my states government web site. which states that I was supposed to be given a subpeana with the foreclosure sale along with a date to respond to the court with a complaint. I was never given such an item. I would like an opportunity for the court to hear my side, and to evaluate any illegal practices committed by Wells Fargo. In addition to my previous request for written proof of allowed modifications, forebearances, and re payment plans. I am now asking for proof that I was served with the subpeana for the foreclosure. Had I received such an item I would have responded to the court. I am also asking again to be considered for a proper modification, forebearance, or re finance of my mortgage loan. I also am still requesting a copy of the phone call placed on XXXX XXXX XXXX. I believe none of the above items are pripreratory, and should be released to me. If any item listed above is a pripreatory item, Then I am asking for written proof as to this.

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 2020-12-18
Company: Experian Information Solutions Inc.
State: SC
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 to XXXX, XXXX, and Experian about the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like I am being ignored and taken advantage of regarding my disputes. This has really caused me a lot of stress as I have been unable to move on with my life.Please help me. 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 explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: MD
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:
Hi how are you safe I hope Im filing my complaint against. Experian every time I check my credit score it dont never change and that causes me problems. XXXX and XXXX. I have fair scores Experian always poor why. Thank you hope you find out why

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 2019-05-17
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XXXX of this year 2019 i opened an account with first national bank XXXX XXXX XXXX XXXX XXXX   .PA XXXX.i made a deposit of {$20.00}. ( XXXX dollars ) to open the account.the person that assisted me was not pleasant or helpful towards me.i was also told i would get my debit card in the mail so i can do my further transactions on line because i am mostly in new york.after one month no card instead a paper saying i owe the bank fees and i am in negative balance i contacted them they said they would send my card and dismiss the charges so i can do my banking and on line also because i can't do that without the card its now XX/XX/2019 still no card and the fees have gone up i contacted them they said the bank manager would reach out to me but till now no one has contacted me. I asked them why they are doing this when i called on there recorded line. If it was because i was XXXX they didn't respond or contact me back instead a threatening letter to report me and have my name made bad by credit companys.any help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: HI
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 XXXX/XXXX  Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for XXXX XXXX  failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about XXXX XXXX  failing to report inaccurate information for my behalf being a user with them since XX/XX/XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I received several harrassing calls from iQDatainc saying they were collecting a debt. I asked what was he referring to and please provide me a copy of the collection notice. He stated ( I have this recorded and said I was recording several times ) I have not received notice of the debt in collections. I asked for a copy continues to provide an address and the agent said he was not sending me a mail copy. I have received several calls today past XXXX which is unacceptable for a work day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This account is showing up as open and it needs to be closed : Partial account number - XXXX Address identification number - XXXX Discover XXXX, DE This account was the result of identity theft. Remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email from XXXX XXXX about an account that was recently opened at XXXX XXXX  Store asking to verify if I did this. I checked my credit report and found a fraud account opened. I disputed it with XXXX and called XXXX XXXX to report the fraud. XXXX XXXX advised they maxed out the credit card to {$1500.00}. XXXX XXXX shut the credit card and account down and reported it as fraud. The also advised the credit card was done in the store and they have stolen my social security number and name. XXXX the lady I spoke to told me to go to identitytheft.gov and place a report there also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a XXXX prepaidi visa card on XX/XX/19 from the local XXXX XXXX, later in the day i open the package containing the card then i logged into their website and verified that the {$220.00} i had just put on the card was there. 

Aproximately an hour or so later i logged back into the site again and it showed a charge for {$220.00} and now a 0 balanced and i had not tried to use the card yet.I contacted XXXX visa and they said they would open a case and block the transaction and then provide me with a refund. 

After doing some research online i see various reports of card being purchased and shortly there after people finding that the money has been completely removed from their recently purchased cards, i also read one ariticle how cards sold in the store are having the packages opened and card numbers writtien down and cvs codes, and then the packages are being resealed with glue gun and showing no signs of every being opened, and unsuspecting consumers purchase this cards and later find out funds have been stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to XXXX credit bureau 2 months ago and got no response here is my tracking number to prove they received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage by Quicken Loans denied my loan application because of stated reason that I was ineligible for a loan. The date of this correspondence was XX/XX/2019. This reason sounded strange to me because my FICO score is over 800. When I complained to Quicken loans Client Relations department, I was sent an email on XX/XX/2019 stating that they are unable to provide me with a pre-approval letter because I did not provide my realtor 's email address. The correspondence went on to state that Quicken loans " ... need realtor information in order to move forward with a purchase approval, to ensure that we have strong communication with all parties involved and provide a smooth experience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported onXX/XX/XXXX {$930.00} Reported on XX/XX/XXXX {$1300.00} Am a XXXX   at a XXXX XXXX XXXX XXXX XXXX NY I have full XXXX XXXX prescription cards no copays doctor visits free eye vision plus dental. 

Impossible no clue what this account about is a ( FRAUD ) I have been with XXXX XXXX XXXX XXXX   Building my credit XXXX Only account I have and working on paying is account with a negative status, pay-status is XXXX XXXX XXXX  for {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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 is missing that should be on the report

Complaint:
I opened a XXXX XXXX credit card in XXXX of XXXX which Equifax refuses to report. XXXX XXXX says they are reporting it. This adversely affects my credit worthiness as I have never missed a payment.

Company response to consumer: Closed with explanation