BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-13
Company: Experian Information Solutions Inc.
State: NY
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 AM A VICTIM OF I DENTITY THEFT I HAVE WRITTEN THE CREDI BUREAUS EXPERIAN AND XXXX AS WELL AS XXXX NUMEROUS TIMES OVER THE PAST YEAR TO SEND THEM MY POLICE REPORT, FCRA 605B, DRIVERS LIC. COMPY OF MY CREDIT REPORT, ADDRESS ID AND A FULL NARRATIVE DIRECTING THEM ON WHAT IS FRAUDULENT ON MY CREDIT REPORT CIRCLING THE ITEMS, THE LATENESSES,  AND THE INQUIRIES AND THEY REFUSE TO ABIDE BY MY FRAUDULENT ACCOUNTS ON MY REPORT AND REFUSE TO REMOVE THEM IN A TIMELY MANNER AS THE FCRA 605B MANDATES THEY DO BY FEDERAL LAW. I HAVE TOLD THEM WHAT ITEMS ARE NOT MINE AND WHAT ITEMS TO REMOVE AND THEY HAVE REFUSED AND THEY ALSO HAVE GONE PAST THE 30 DAYS ALLOWED TO ADJUST MY SCORE AND REPORT AND REFUSE TO DELETE THE ITEMS AS STATED ON MY IDENTITY THEFT POLICE REPORT.I DEMAND THAT THESE ITEMS TO BE REMOVED AND MY SCORE ADJUSTED.

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 2018-03-02
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, the borrower took out a line of credit mortgage with PNC Bank with a maximum draw limit of {$89000.00}. It had a 15 year term, due on XX/XX/XXXX. There were no monthly payments, as it was a balloon payment. The borrower did not worry about this mortgage for several years, as he focused on the payments on his first mortgage. 

In XX/XX/XXXX, the borrower received a letter from PNC Bank dated XX/XX/XXXX which informed the borrower that he was behind on payments on the line of credit mortgage. The client reached out to our legal services organization to research the issue. I discovered that the mortgage term was 15 years, and that there were a little more than four years left before the mortgage was due. I believed there to be an error in the servicing of this loan, as they were requesting payments that the borrower never knew about. 

On XX/XX/XXXX, I sent a Notice of Error to PNC Banks address for Qualified Written Requests, seeking clarification on the XXXX letter and what payments they were talking about. I wanted confirmation that the mortgage was not due, and that it was a balloon payment without any monthly obligation. I got no response, despite the obligations servicers have to respond to Qualified Written Requests. 

More than a month later, on XX/XX/XXXX, I updated the Notice of Error with dates and the fact that my first one never received a response. I sent the NoE via certified mail, so that I could confirm receipt of the document by PNC Bank. 

On XX/XX/XXXX, I received the certified mail receipt from XXXX which confirmed that the letter had been received by PNC Bank on XX/XX/XXXX. Per 12 C.F.R. 1024.35 ( d ), the servicer had five days to confirm receipt of the letter, with information on when a response could be expected. Nothing of the sort was sent to the advocate nor the borrower. Weeks passed, and per 12 C.F.R. 1024.35 ( e ) ( 3 ) PNC Bank only had thirty days to respond to my Qualified Written Request. There has been no response, despite the fact that I have been trying to get information from the bank for nearly three months. It is now XX/XX/XXXX, and I am no closer to finding out what is going on with the borrowers second mortgage. This is a gross violation of the CFPB regulations, which are supposed to facilitate correspondence between the borrower and the mortgage servicing industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.

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 2018-05-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two student loans currently in repayment status, held by servicer AES. I have auto-bill pay set up to make electronic payments each month. In XX/XX/XXXX, AES stopped processing my payments, though I made no changes to bank bill-pay or my repayment status with AES. When I contacted AES and asked them why they stopped processing my payments, they informed me that I am 'paid ahead ' on my loans until XX/XX/XXXX. So, instead of applying my XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX automatic payments to my loan principal, they just let the loans sit there accruing interest. Is this legal or ethical? Further, is there a class of other loan customers to which this is happening? In other words, is it an isolated occurrence, just an oversight? Or is AES deliberately not processing payments on 'paid ahead ' loans in a predatory attempt to earn more interest? Can you find out and let us know? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: DISCOVER BANK
State: CA
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 have been a with DISCOVER FINANCIAL SERVICES customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX and XXXXXXXX. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/XXXX and XX/XX/2017 from TD Bank N.A. repoted 2 inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Information belongs to someone else

Complaint:
I've recently started applying to buy a home and I've noticed several incorrect things on my credit report. Please see attached details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Cornerstone Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
COLLECTOR KEEPS CALLING MY CELL PHONE 6 TIMES AFTER I TOLD THEM TO STOP, THEY ARE SKIP TRACING FOR MY DAUGTER 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 2018-09-26
Company: DISCOVER BANK
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:
On XX/XX/2017 from XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been working tirelessly to get items removed off my report because I was a victim of all my data being stolen off the OPM database ( I was a federal employee ). However this item is of a different circumstance. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX CO in the amount of XXXX I purchased a XX/XX/XXXX XXXX from XXXX XXXX in XX/XX/XXXX and financed it through XXXX but I only had the car in my possession for less than 60 days as the car engine was making a knocking noise and the transmission was not shifting properly. I took the car back to XXXX XXXX and they put me in another car, XX/XX/XXXX XXXX XXXX but because it was past the 30 days they had to roll in the negative equity of {$4900.00} for the XXXX into my new loan with XXXX XXXX XXXX. Needless to say I was furious but I had no choice because my daily commute was long and I needed a reliable car. 

I have contacted XXXX XXXX and spoke with the Finance Manager and he told me that I absolutely DO NOT OWE this debt to XXXX because they were paid when I financed the XXXX. Unfortunately, he could not find the sales order for the XXXX because they have changed systems since XX/XX/XXXX. 

I believe this is nothing short of a CRIMINAL ACT by both XXXX XXXX XXXX and XXXX as they are trying to collect a debt they have already been paid on and have ruined my credit in the meantime! 

I am desperate to get some assistance with helping me get this item removed from my Experian credit report ( it is not showing on XXXX or XXXX ) as it is a large amount ( XXXX ) and it is seriously affecting my credit score. I feel I have done all the right things to get this removed but I am being ignored.

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 2018-07-12
Company: SUNTRUST BANKS, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I always make my payments online with Suntrust, never had a late payment before. I went online today to make a payment and was shocked to see that a XXXX payment never posted. I paid both XXXX and XXXX on the phone with a representative immediately and offered to sign up for auto debit. I did not know that I was past due on the account until I logged online today ... Suntrust states that they called me, but I have no voicemails from them, and my husband has not been called. He always answers his phone and would have made the payment immediately by phone. Suntrust was unable to verify to me that they called his number. They also have my email address on file, but I have not received any voicemails nor emails from them. I inquired about XXXX credit reporting and was told that this error would most likely be reported on my XXXX credit report. I asked for Suntrust to remove the late payment because I have never had a late and because I attempted to make the payment. They informed me they could do nothing regarding the credit even though I was not notified properly and given a chance to remedy the situation. I firmly believe that I went online to make this payment ; I even have it written in my checkbook register, but Suntrust states they can not verify this. I also pay EXTRA on my mortgage monthly ; this too does not seem to matter. It is completely unfair that my perfect payment history has been ruined by this incident. I am requesting that you please help me to have the negative credit reporting removed if it did occur. Again, I have never had a late payment nor will it happen again. Thank you very much.

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 2021-01-21
Company: EQUIFAX, INC.
State: GA
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 XXXX, I sent a letter regarding inaccurate information on my credit report. To this day, over 60 days later, and I have not received a response. I feel as though I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days, gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX that has been caused. My information was also impacted in the Equifax Data Breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone XXXX, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to XXXX  to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( Experian, XXXX, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because XXXX has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that XXXX refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with XXXX and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to XXXX  indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to XXXX to the address listed on my credit reports. XXXX responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to XXXX  offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, XXXX refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that XXXX is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless XXXX can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that they decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2800.00}

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 non-monetary relief
Consumer complaint received 2018-10-03
Company: The Schreiber Law Firm, PLLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX/XXXX/XXXX RIPPED ME OFF FOR OVER 6342.000.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-26
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PAYPAL IS HOLDING MY MONEY AND WILL NOT LET IT GO. I NEED THESE FUNDS IMMEDIATELY FOR BUSINESS USE. 
IVE CONTACTED THEM SEVERAL TIMES AND THEY WILL NOT HELP AND GIVE ME A COMPLETELY DIFFERENT ANSWER THAN WHAT IM NEEDING HELP WITH CAN NOT REACH THEM BY PHONE TO RESOLVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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