BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to temporarily lift my wifes security freeze from Equifax. We had placed a freeze and did this temporary lift several times. This time the agent said nothing exists for her SS number. As in she doesnt exist or she has no credit file. I said she does and the other two Credit Reporting agencies HAVE credit files for her and we have a PIN number. 

To get started I informed them that my wife did not speak English very well and that I was present to help her. The gal acted perturbed about that but started questions. They were WAY harder than what I had to answer when I lifted my freeze. I complained and the gal insisted that they werent. I said it was discrimination and I wanted to talk to her supervisor. She was miffed about it but finally the supervisor came on. I complained and he started yelling. I got him to calm down by telling him if she has no file then she has no freeze right? He said we cant see that on our computer. I said its your freeze? XXXX XXXX says YOU, Equifax, have a freeze on her account and it needs to be temporarily lifted. We gave up. We called a second time to file a dispute to get them to contact XXXX and or XXXX to see that she HAS a credit file and were subjected to the same discrimination that we had received before. Rudeness and escalating difficulty of questions.All answered correctly but the questions just kept coming and being more detailed and difficult. I said ALL of your questions were answered correctly ... supervisor please. Rinse and repeat same treatment got nowhere and couldnt even get them to investigate based on this possibly exceptional situation. I was very upset and I believe these overseas call centers are vindictive enough to blacklist a particular person because of a conflict. I say this because I told her make sure all of these notes are documented and you could hear her typing away. My wife basically is completely blackballed by Equifax through their vindictiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have have a Home Equity line of credit for about XXXX years. with PNC bank. 

This past XX/XX/XXXX, I do not receive my monthly statement. I went into the bank and they said because everyone was assigned a new account number, a lot of statements did not go out. 

The next month - still no statement. 
Next month - same thing. 
Finally the main office at PNC XXXX / XXXX said anyone who had a past bankruptcy on their record, was not getting statements at this time - the problem would be fixed soon, they said. 

9 months later - still no statements! I have no idea how my payments are being applied, what my balance is - nothing! A recent call, they told me their legal team has been working on special wording, that needs to go on the statement, of anyone with a previous bankruptcy - and they still have not figured out that wording! 

Can they withhold statements on my loan??? 

My loan is variable interest. and recently the interested almost doubled and I had no idea until I went to pay my loan. No one notified me! 

I am contacting a lawyer to see if we can have a class action lawsuit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of last year, I requested from Citizens One XXXX XXXX the ability to do my own escrow of taxes and insurance. I was told on the phone call that something would be mailed to me at my home soon as that information could not be provided over the phone. I then received an e-mail telling me it would take 30 days and there would be a fee involved. I have filed a XXXX complaint but XXXX just told me the company is not responding. I have been in contact with XXXX XXXX of Citizens but so far nothing has been done. I have requested a copy of their escrow policy to make sure I'm getting what other customers get but so far nothing received. I can forward all the e-mail correspondence if you need it. I want to be released from escrow without a fee and I want Citizens written policy on release of escrow to make sure I'm being treated as all their other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. 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 non-monetary relief
Consumer complaint received 2017-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy listed in my credit files that Experian is reporting which is inaccurate and incomplete. The Federal Laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Experian validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me. I have several letters from the Federal Bankruptcy Courts and XXXX which states that they DONOT report to the consumer reporting agencies and letters from XXXX which states that they DONOT have any records of a bankruptcy in their files for me. Yet Experian keeps telling me they have verified it with XXXX and I know they are not investigating.

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 2019-09-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted the collectors several times in regards of a medical debt I have reporting on my credit. They are in violation of HIPPA which protects my information and details. They have sent me a breakdown of fees and patient report history which is a violation of HIPPA I did consent for a third party to have access to my medical records and personal health information they are in violation and need to remove this debt from all credit reporting agencies with a letter of deletion. Wakefield and associates ( XXXX   XXXX  XXXX for both accounts in XX/XX/2015 for XXXX and XX/XX/2015 for XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
called equifax approx XXXX ; XXXX XXXX  on XX/XX/2020 and spoke with a supervisor by the name of XXXX who refused to file my dispute i advised that according to FCRA AND CONSUMER CREDIT ACT I have submitted a written request sent certified that i am disputing these inquiries that is listed on my credit report, the 1st rep ( XXXX  ) acknowledged the receipt of the letter XX/XX/2020 received by EQUIFAX but the companies weren't listed so i advise XXXX XXXX supervisor ) i am calling to FOLLOW UP now, she then without me providing any companyy name proceeded with assumption to tell me that all of these inquiries are FACTUAL like XXXX, i responded by advising her I NEVER once mentioned XXXX XXXX XXXX so why would you assume thats who i was disputing instead of allowing me to give the names, i advised her under the consumer credit protection act and federal credit reporting act i have the right to dispute an inquiry that is unauthorized meaning a company obtained my information without authorization or permission and it should be DELETED she told me that is not a VALID reason and EQUIFAX does not take disputes on inquiries despite me reaching out to said companies and THOSE SAME COMPANIES do not or can not verify my information with their company what i would like to know why are reps at equifax making decisons or unwilling to accept disputes based on personal opinion and not defending the consumer yet is privILIGED to consumers PERSONAL INFORMATION but refuses to accept OR PROCESS disputes. 

Your Desired Resolution : i am seeking reps TO be educated on the LAW and the 4 inquiries that i have not been able to successfully dispute because the reps have shown no desire or interest to even investigate or provide me the opportunity to do so, they are reading a script and rejecting ANY HARD INQUIRIES DISPUTE when i have the right to have these inquiries DELETED. to which they did not even ASKED ME the names, they assumed which is shouldnt be the protocol of just simple customer service. i sent a written letter certified mail and I NEVER EVEN RECEIVED A REPLY OF ACKNOWLEDGMENT AS A COURTESY. I CALLED TODAY and these people treated me as its personal and rejected to assist me in any way, other to redirect me cause they simply did not want to do a job

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have a car loan through Chase bank. In XX/XX/2014 My mother passed away so I called in to get a payment skipped. They approved it and have reported a missing payment since. It is hurting my credit and they need to remove the late payments asap. I have disputed with them and XXXX XXXX. I pay every month on my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX who would not provide her last name that works for Huntington Bank in XXXX Michigan would not provide me an explanation to why my account was closed. She would also not provide me a explanation to why I never received a letter on why. She would not provide me a copy of the letter for why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am reporting a problem with citibank ( citi Thank you account ending XXXX ) that took place last winter. I am requesting citi to reinstate the lost points or send me the equivalent monetary value of the earned points. 

I signed up for the above mentioned card under a promotional offer for XXXX citi thank you points. I met the minimum purchase under the terms of the offer and received the XXXX points bonus. I also continued to use the card at time, accumulating additional points throughout the year. 

As the annual fee came due, I decided to consolidate credits cards and not renew this card instead transferring the earned points to another citi account. At the time, my annual fee was overdue, so I called the citi help line to get this resolved and also transfer the points. This call took place on XX/XX/2019. The citi employee who helped me told me that it will take time to unfreeze my account and that I would not be able to see the transfer of points several days later. This employee then proceeded with closing my account and refund the overdue annual fee, therefore clearing my balance. 
I followed with Citibank on XX/XX/XXXX and XX/XX/XXXX and again XX/XX/XXXX as the points had an expiration date and I was worried they will just never transfer and just expire. On XX/XX/XXXX, this call was escalated to a manager who told me that because my account was overdue before closing, they were not able to unfreeze the points, and therefore I will loose them all. 

This is a procedural mistake from citi bank in closing my account and therefore I should not bear the loss of these points. The order should have been to unfreeze the points, transfer them to the requested account, and then close the account per my request. 

XXXX statement has been included as an attachment.

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 2020-10-13
Company: Credit Bureau Services Association
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son went to his doctor in XX/XX/2019 for XXXX XXXX. His doctor wanted him to have a XXXX  XXXX and XXXX. His doctor said she could not put in a referral for the services until they were authorized by XXXX. She submitted the authorization requests. They were approved. She sent the referrals and the service were performed. According to the itemized list I received, XXXX paid for the services that were pre authorized. Now over a year later, XXXX has sent me to collections for over {$2000.00} with no reasoning or explanation as to why XXXX would " deny '' a pre authorized service over a year later that they had already paid for. Why would I be sent to collections for services that were pre authorized before they were completed? I have contacted XXXX and have received no response. I have contacted the XXXX and they will not give me any information because I am not on his record in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I direct deposited some money onto my cashapp account. In order to send to family members who are affected by covid 19 and are struggling. They then wouldnt let me send money stating my account has been temporarily locked for 24 hours. I waited the next day and it said the same thing. The next day I tried to link my bank card to my cashapp to retrieve my money because my family are in need. And it wouldnt let me stating my account is temporarily locked for 24 hours. I then emailed them and no response. The next day I emailed them again to unlock my account and nothing. I then tried to go to the bank to pull out my money and it wouldnt let me. So basically my funds are sitting there frozen. I have family members who depend on me I dont have time for this. My account has been locked for three days. I emailed them 4 times and no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint was sent to Aldridge Pite Haan. Complaint # was XXXX. Based on XXXX XXXX XXXX 's letter on XX/XX/2018, XXXX XXXX XXXX has completed its investigation into my fraud claim and has notified to Aldridge Pite Haan LLP that it has determined the fraud claim to be invalid.

I am requesting notification letter of the investigation : 1. fraud claim validity 2. relationship proof between XXXX XXXX XXXX and Aldridge Pite Haan LLP .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.

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 2018-08-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I was scammed by a person over a resale app. The money was sent by XXXX and was directly accesssed by US bank online menue. 
After the scamner received the money, he was supposed to send me the tracking number right away. 
I did not receive a tracking number nor a product. 
I called US bank to dispute and they sent me a rejection letter. 
Called the XXXX number provided in the letter and was transferred 5 times calling the number that I was supposed to call had I had any questions. 
Went to a branch, the manager refused to talk to me said that I need to call the 24 hour banking telephone line. 
I told him how he is not willing to hear me discuss a fraudulent scenario before there are more victims, as a bank manager???!!! 
I came and XXXX some info to find out similar issue with banks and this money transfer company called 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 2021-04-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a credit card with Wells Fargo Bank, Last month I cancelled the credit card and close the account related to this credit card because I have lost the card. After one month there is a rental cars agency company called XXXX have the information for my old credit account number because I rented a car from them. I got in to a car accident and was hospitalized for about 15 days. My insurance company XXXX should take care of the charges related to this vehicle because the car was totaled. After one one month which is today XX/XX/2021 I was surprised with charged made by bank Wells Fargo and the beneficiary was XXXX rental car amounted {$2700.00} and the illegal action that was done by Wells Fargo they authorized the transaction and made it through after the fact I cancelled my credit card a month go. Additionally, my bank authorized the transaction and back dated to XX/XX/2021. It's illegal for them to charge a credit card that is already cancelled and closed. I want my money back because they broke the law and regulations and charge a closed account {$2700.00} to XXXX. All phone calls are recorded between me and the bank so I know I am protected XXXX percent. I want my money back

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX XXXX XXXX  ( {$7800.00} ), XXXX XXXX ( {$5900.00} ), XXXX XXXX ( {$6100.00} ), XXXX XXXX ( {$6300.00} ), XXXX XXXX XXXX ( {$3200.00} ), XXXX XXXX XXXX ( {$7400.00} ), XXXX XXXX ( {$1400.00} ), XXXX XXXX XXXX ( {$570.00} ). FTC has been filed in XXXX of 2021 they did not comply within the 5-7 business days according to federal law.

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 2020-05-23
Company: Nicholas Financial Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
Several times, I notified XXXX XXXX about this account. I emailed the President/CEO of the company and VP to request to have this account removed from my credit report. I've showed more than enough information explaining that this company stole my vehicle by having it towed instead of returned to me per previous correspondence saved on this site. This company has not only reported late payments, but also tried filing a repossession against me. How can you file a repossession when their XXXX XXXX, La branch manager had my vehicle towed and the company refused to locate it and return it to me as promised ( again in previous correspondence ) on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, XXXX  and Transunion are reporting a closed paid account on my credit as closed with a balance. I settled this account and it is closed and paid and needs to be removed because it is negatively impacting my credit score. 

XXXX XXXX XXXX  amount {$450.00}

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