BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
PNC Bank issued me a credit card, which I've had for years. They encourage online payments. In XXXX, they moved my payment due date forward from the XXXX to the XXXX. When I went to make my payment on the XXXX, it was then overdue and I was charged {$27.00} late fee. I was not notified of this change, I did not request it and because I only have occasion to go to the credit card payment portal on the XXXX of each month when I pay all my bills, I was not afforded the ability to adjust. Furthermore, I requested a refund of the late payment fee and was told I was only permitted one per year. This was manipulation on their part and I'm not alone. I've spoken to others to whom they did the same thing. I asked they waive the fee and they told me they didn't see it - although I could clearly see it on their payment portal for my account. And yet additionally, I tried to make next month 's payment, indicating on the built-in calendar that it should be deducted from my account on the XXXX and it was denied, stating I'd already made a payment. Therefore, I'm prevented from making a payment that would save me interest. Lastly, to talk to a representative you must give your name, your account number, the last four of your social and your teller PIN code. This is clearly a security risk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm missing my complete on-time payment HISTORY FOR THE LAST 6 YEARS ON THIS ACOCUNT! 


ACCOUNT 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 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to make a payment on XXXX, to the following Capital One credit card. 
XXXX. The online system indicated that a verification code was necessary to proceed. The only options that were available were telephone calls and I was not available at any the numbers listed. I contacted Capital One and after verifying my account ( via Social Security number, DOB, etc. ), the representative still indicated that I needed to provide them with a telephone number to obtain a code. She stated that this was to " verify '' that I was the cardholder. I made very clear to this person that she just finished verifying who I was and that how could a phone number do otherwise. I asked her if there was a method of contacting me ( preferably through another method ) to provide me with this " all secret '' code that I needed in order to access my account. She said that only a telephone call would get this done. And that if this was not acceptable to me that I would have to be transferred to the fraud department. I understand that account security is essential, however, I believe that I made more than a reasonable effort to comply with Capital One 's verification procedures. To date I still can not access my account online nor on the mobile application as Capital One has denied access to my account. I had to make a payment using the automated telephone system in order to ensure that the payment was credited on time. I am requesting your office hold Capital One accountable for these extra-ordinary inconveniences and require them to permit me access to my online account immediately. Once again, all their verification requirements were met, they insisted on a telephone number that I was not able to provide at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had a AMEX Card and they were comprised due to Fraudulent Charges. They closed the accounts and they have not allowed me to get any credit with them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax is reporting a closed paid account in the collections section of reporting. These two accounts should be a closed paid account not collections. My lender noticed this and said I need to have this removed and either deleted or put in paid closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened up a credit card with Synchrony Bank and was giving a {$200.00} credit limit. I used my card for the first time on XXXX and contacted the customer service office to verify my billing date and when the balance would be reported to the credit bureau. The women I spoke to informed me that even though my balance was due every XXXX of the month, I did not have to make a payment until XX/XX/XXXX not XX/XX/XXXX. I asked her several times for confirmation being that I am in the process of purchasing a home and rebuilding my credit. She confirmed that the balance would not report until after XX/XX/XXXX. Today XX/XX/2019 I receive an alert from my credit monitoring sites that {$170.00} was reported to my credit report, which dropped my score 17 pts. I immediately called the and spoke to XXXX batch # XXXX who was unable to help me. I asked to speak to someone in the united states and spoke to XXXX batch XXXX who was apologized for the error but said there was nothing she could do. I then spoke to XXXX a customer service manager, who said he also apologized for the error but there was nothing he could due. I asked to speak to his manager and he said there was not anyone available. I am in the process of purchasing my home and this is not our error. if they can pleasssssse listen to the conversation on the XXXX it confirmed the incorrect information giving to me. My balance should reflect {$0.00}. We are not going to be able to purchase our home because of this company. This card is a ripoff and ruining people life 's due to their error.

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 2018-04-05
Company: QuickClick Loans of Illinois, LLC
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: Information belongs to someone else

Complaint:
There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however QuickClick responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. QuickClick refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However QuickClick is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX  forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-07
Company: U.S. BANCORP
State: TX
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:
In XX/XX/2019, before or around the XXXX, I saw a promotion test US Bank was advertising on XXXX website. To get their card you will enjoy XXXX dollars statement credit, if charge XXXX purchase in 45 days and XXXX cent additional off XXXX fuel. I applied because o this and hit the card. I made the purchase but was not given the offer. After 30 days, going onto or right after 60 days, of not being on bill, I contacted them. They say they had no such offer, and said they will send over to that department. I receive letter saying they dont show offer on my account, only XXXX cent promotion. They said I needed to provide proof of offer. I had snapshot it in my phone so I wouldnt forget what the offer was, so I printed it off and send it to them. And I still receive another refusal letter saying I didnt apply from the website, which was XXXX, that the offer was on. I called and told them I did because I was grocery shopping when I saw it. 

This is false advertisement and enticement. Please help I charge this card up to XXXX dollars on me getting a statement credit.

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 monetary relief
Consumer complaint received 2020-07-06
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:
show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX filed ftc 40 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to apply for a car loan today XXXX. I have a freeze on all of my credit reports due to having my identity stolen. Last night ( XXXX ) I attempted to unfreeze all of my accounts. I was able to unfreeze all, but one with Equifax. I have had repetitive issues throughout the years to unfreeze my account with Equifax. I called and spoke with two representatives and a supervisor on XXXX. I was able to prove my identity, but was told that I would still need to fax over my social security card, ID and a letter explaining why I sending over the documents. They explained to me that they needed updated information about myself in the system before they can lift the freeze on my account. This provides an issue for me, because they have told me that the processing time take 3-5 business days for them to process the information. 

They explained to me that they were unable to access my account until I provide them with my personal information. I have an issue with this company not only for the fact of the matter that my personal information was stolen from them due to their security breech, but for the fact of the matter I am being held hostage and unable to apply for a loan due to their inability to keep my information current. I now am in a situation where I can not apply for a loan because Equifax will not unfreeze my account for several days. 

I am looking for assistance for a quicker resolution so that I can apply for a loan. This company has made my life more difficult from the day that my information was stolen from their company. They continue to make my ability to apply for loans increasingly difficult when the ability to manage personal freezes should be a simple and seamless process. 

Although reluctant to give my personal information to this company that has not kept my information private in the past - I am willing to give them my information. However, a processing time of 3-5 days is unreasonable and unfair. I can loose out all because this company refuses to release my freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Credit Bureau Services of Iowa Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
None of those options correctly defined my complaint. On XX/XX/19 I received notice of a debt in collections with Credit Bureau Service of Iowa , Inc ( hereinafter " CBSI '' ). I recognized the debt and knew the original creditor. I decided to tackle it head-on and went online to make a payment. I authorized on my card a charge dated XX/XX/19. I read the terms and conditions and it explicitly stated there would be no fees applied to my card. I checked my card statement today and there was a {$0.00} charge pending on my card from CBSI. I reported this as fraud on my card. This was not stated as a fee anywhere on the payment page. I also thought it was odd that they did not list the actual terms and conditions of the agreement anywhere on the payment page. I have photo documentation of the payment page and terms and conditions. I'm pretty sure it is against the FDCPA to charge additional fees prior to a post-dated payment when " no fee '' was stated explicitly on their payment page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CARD Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Card.com speaking to XXXX about withdrawing to pay my rent they block so I will not get money out, I call 5 or 6 times and theres something they can card!! I never file a dispute so they dont have no business blocking my card!! I email card.com asking them why did they take my XXXX from unemployment took the out and then put back in my account! Card are scamming people out there money and Im a XXXX please investigate this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 I returned my lease to GM Financial Leasing. On XX/XX/2019 I received the first bill for excess wear and tear of {$1700.00}. I immediately contacted XXXX XXXX, I purchased a policy with them for excess wear and tear a the beginning of the lease. XXXX requested a lot of documentation that GM did not provide me with and when I would request documents they would transfer me back and forward from representative to representative. Finally when I was able to get a hold of someone that could help they would tell me that it would take 15-30 days for me to get the documents. I explained many times that I was working with XXXX to get the bill payed and they needed the information. On XX/XX/XXXX I called GM to request information that I had previously requested that I never received, the representative told me she would put my account on hold while all the information was being gathered. My understanding is that if my account on hold is that they wouldn't report it as a late payment knowing that GM is making it extremely difficult to close the process because they were not proving all the information I needed to submit to the insurance. GM Financial lease NEVER sent me other bills other than the one I received in XX/XX/XXXX nor did they send any correspondence saying the payment was late and action was going to be taken.

GM reported this as a late payment to my credit score. After many phone calls to GM and basically begging them to provide the information the claim was payed by XXXX in XX/XX/2019. GM financial records the phone conversations, they can go back and see how difficult they made this process and their customer service representatives lack of care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus XXXX  XXXX XXXX Experian are reporting my business as being under a parent company XXXX XXXX XXXX XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of XXXX credit report showing 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 2017-12-20
Company: EQUIFAX, INC.
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:
This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also XXXX XXXX. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX I 've asked for this account to be looked into and removed off my report but its like they are not going into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1)DitechFinancialapparentlysoldmymortgagetosomeentitycalledXXXX2)IwastoldbytelephonethatthetransferwaseffectiveXXXXXX/XX/2019.
3)AsofXXXXXX/XX/2019--aweekbeforethistransfer--therehadbeenNOCOMMUNICATIONOFANYKINDfromeithercompanyaboutthesaleofthemortgage.
4)IreceivedanunaddressedemailindicatingthatacompanycalledXXXXhadtakenapaymentof{$1300.00}.
5)NopaperoremailcommunicationwassenteitherbyDiTechFinancialormyXXXX.
6)SomeatXXXXinformsmethattheloanisactuallyheldbysomethingcalledXXXX.
7)XXXXsaysthattheinformationregardingthistransferoftheloanwasmailedasapapercopyonXXXXXXXX--AFTERthetransferwaseffected.
8)OtherphonerepresentativesatXXXXfranklyseemedtoguessingaboutthewholeprocessofhowtheloanwastransferred.TheyallseemedonlythinlyinformedastowhattheirresponsibilitiesorthoseofDiTechFinancialmightbe.
9)DitechFinancialmeanwhilehasessentiallyasoftodayblockedusasformerclientsfromanycontactwiththem.Accesstomy"former''onlineaccountseemstohavebeencutoff.Phonecallstothecompany--becausetheycantracetheirorigintoourphonenumbers--aretransferredtoXXXX10)Thiscomplaintidentifiesallthreecompaniesasbeingatfaultintheloantransferprocess:DitechFinancial,XXXX,XXXX11)Iamawarethatallofthemmaybesubsidiariesofothercompanies(orfraudulentshellsforsomething).
12)Asanadditionalnote:MyLoanCarehasjustinformedmethattheironlineaccessisunavailableoutsidetheUnitedStates.Iamnotevensurethatiscorrect;butthatalsoseemsunusualandimpracticalinthe21stcentury.

Itshouldnotbelegaltotransferamortgagewithoutnotice.Norshoulditbelegaltofailtoprovidebasicinformationaboutthattransferuponrequest.Norshoulditbelegalforafinancialentitythatheldamortgagetoinstantlycutoffcontactorcommunicationwithacustomerupontransferoftheloan.Surelytheyshouldbeobligatedtonotifycustomersatleast60dayspriortotransfer;andtoallowcustomeraccesstoonlinerecordsandphoneassistanceatleast30daysafter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Ocwen Financial Corporation
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 status incorrect

Complaint:
CFPB : Reaching out because I noticed on my credit report that Ocwen Loans is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC Violations XXXX XXXX XXXX XXXX XXXX {$5700.00} USDOEXXXX {$71000.00} XXXX XXXX {$3000.00} XXXX   {$360.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation