BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. The XXXX credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Due to covid pandemic my job closed down and i was out of work and unable topay he car loan and pa uneployment was on a stand still for me and i called the bank because asking can all my payments go o the end of my loan and i was told they help me already and that my car been charge off /written off but make a paymeny of XXXX and it doesn't mean it won't get repossessed, I am a person who was very XXXX with XXXX  my son XXXX years old and myself, i just was asking for a little help in spike of the issue i had from day with this car and all the problems i suffer from it .I feel like i wasn't bein help i contact the CEO of pnc and his secetary calle dme back and said she tried to help me .but its to late .Its not my fault i had covid and my job closed down permanent becaus eof covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2018, I called Navient to see if I can get a lower monthly payment, They took my payment and reduced it from {$250.00} to {$180.00}. I agreed for them to withdraw the payment from of my bank account on every XXXX of the month. On XX/XX/2018, they withdrew the {$180.00} from my account. On XX/XX/18, the withdrew my old payment of {$250.00} from my bank account. I called on XX/XX/18 and spoke to a representative and she told me that they never cancelled the original amount, so that is why they took the {$250.00}. I then email the representative my bank statement showing where the 2 payment was withdrawn. She filled out all the paperwork and said I would have the money back into my account on XX/XX/18. I called back on the XX/XX/18, and the representative told me it was processed, and I would have the money back on XX/XX/18. I then called back on XX/XX/18 an asked what was going on with my refund, the representative e told me that they were sending me a check by mail because they didn't have my banking information for some reason. The representative told me, If I didn't have my check by XX/XX/18, then call back. Today XX/XX/18, I still have not received a check, so I called again, now they told me my account was overdue. The manager did fix the past due problem and said my refund would be here today. With this big XXXX up from Navient I received an eviction notice because I am late on my rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: ALLY FINANCIAL INC.
State: FL
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:
XXXX XXXX,2019 My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies

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 2023-02-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Can't get a response from the Supervisor.. The Customer service will say the supervisor will call back tomorrow however that never happens. Talked to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and so on. Everyone has a different answer and a different amount to pay. 
If I pay the {$600.00} a month this will be paid of in less than 7 months!! 
With all these problems they are ruining my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: IN
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: Problem getting your free annual credit report

Complaint:
I have been a victim of identity theft. Someone has tried to get unemployment benefits under my name. I found out about this yesterday, on XX/XX/21, and tried to get my free annual credit report from the XXXX website. Experian would not allow me access to my report. I filled out all of my information correctly, and tried multiple times, and I still could not get access. I tried calling multiple numbers for Experian, and could not get in touch with a human being, unless I pressed the number for business account. Even then, they were not helpful. They were located in a foreign country, and had very thick accents that were extremely difficult to understand. I do not feel comfortable giving my sensitive information on the phone, especially to random people in foreign countries. Anyway, they said I could sign up for a plan with them, and I would get access to my credit report that way. I said I don't want to sign up for a plan or membership with them, because in the Term and Conditions, they can use my information for advertising or share it with others. I just want my credit report that I should be allowed to get for free per federal law. The lady transferred me to someone else, but he didn't answer the phone for a long time. I was on the phone for over 40 minutes. Finally, a guy with a thick accent whose name is supposedly XXXX, from disputes, answers the phone only to tell me they are closed now and I can call back tomorrow. They were not closed when I called. They closed while I was on hold for a long time. I called again today with no luck. Some guy told me a supervisor will call me, and no one ever did. At least not yet. I believe they do all they can to make it extremely difficult for people to get access to their credit report so they will either give up or sign up for a plan or membership with them. I don't know how that's legal.

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 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Dear Sir or Madam, This letter is intended to request the XXXX XXXX XXXX to remove a negative mark that was annotated on my credit report. In XX/XX/2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over XXXX points. 
The issue was resolved with XXXX as they received proof from the XXXX that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the XXXX provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - XXXX Proof of registration cancellation.

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 2020-05-20
Company: EQUIFAX, INC.
State: NC
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 HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  has recently changed an account ( XXXX XXXX XXXX ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now XXXX  has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. XXXX keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong information

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 2020-09-05
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid over 85 % of the debt, and I have contacted CONSERVE several times asking that the remainder of the debt be discharged and have my credit report updated. However, I have not heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AMERICAN EXPRESS COMPANY
State: TX
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 ending in XXXX has been open many years with no activity at all. We kept the account open intentionally until on XX/XX/XXXX we were notified that there was an XXXX account set up using the card and charges were being processed on the card. This was not our activity and we filed a fraud claim with American Express on XX/XX/XXXX. They reversed the charges and told us that they closed the account at our request. Now in XX/XX/XXXX I start receiving account statements and notifications of interest increase on the account that was closed. I contacted American Express on XX/XX/XXXX and they acted like they had no idea what had happened on the account, or why it would be closed. They began playing games on the phone, acting as if they could not understand what I wanted or what had happened regarding the fraud. They left me on hold for extensive time while transferring to supervisor. Never got the supervisor and I was told by XXXX, the representative, they could not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX XXXX sent {$1000.00} to my XXXX  XXXX  which had my bank account linked. On XXXX XXXX XXXX XXXX filed a dispute. I filed a dispute for my {$1000.00} back but the back but my bank declined because of XXXX  XXXX. Im not understanding why because they refunded my money before due to an XXXX  XXXX  issue. My account is now in the negative because of this. I just need this resolved ASAP its been going on two months now.

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 2020-05-20
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A wire was sent to PHH Mortgage to pay off my on XX/XX/20. It did not show up right away so I called PHH Mortgage and was told to wait. The only thing they offered to do was to send an email to their cashering department because they were not allowed to call them directly. I was told it would day up to 48 hrs for a response. I called back almost everyday for the next week and a half and was just told to keep waiting. It was not until XX/XX/20 that I was told the wire had insufficient information and was sent back. I feel this is a deceptive practice to stall the response time of a department so that they could collect more daily interest. I was told the wire would be dated to the date it was sent on XX/XX/20 but it was posted on XX/XX/20 causing me to owe over {$500.00} in interest that should not have been charged. 

I again spoke with several PHH Mortgage agents and the only thing they said they could do would be to contact their " cashiering department. '' I was again told up to 48 hrs for a response but it took a week and a half. Contacting departments should not take that long, especially when wires are involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a pre-order of {$2400.00} ofXX/XX/XXXX XXXX XX/XX/XXXX fromXX/XX/XXXX XX/XX/XXXX using my HSBC Credit Card. 

The delivery date was to be XX/XX/XXXX. Between those two dates XX/XX/XXXX went out of business and stopped responding to my e-mails. I never received the goods I Initiated a dispute with my Credit Card holder, HSBC USA, on or about the middle of XX/XX/XXXX. 

In mid-XX/XX/XXXX I moved and I immediately changed my address with HSBCXX/XX/XXXXon XX/XX/XXXX. 

On XX/XX/XXXX HSBC sent me a letter to my previous address denying the chargeback, because the merchant had provided a record of the transaction. The letter gave me until XX/XX/XXXX to respond. The merchant did not provide proof of shipment. 

Due to HSBC using a previous address I received the letter on XX/XX/XXXX at my new address. 

I immediately called HSBC upon receipt of the letter, on the XXXX. HSBC said that the dispute department was not taking calls and that I needed to e-mail them. I e-mailed them and have heard nothing back. When I contacted them via twitter they stated they they respond to all e-mails within two business days. Today is the 4th business day. 

HSBC is failing to respond to fairly basic dispute. The merchant is out of business and is unable to provide the goods ordered. HSBC is refusing to honor its agreement to process the chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: IL
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:
Ive contacted the credit bureau in regards to an account that has been settled and agreed to delete BUT HAS NOT BEEN DELETED ... Im attaching the check front and back with agreement to pay to delete XXXX XXXX IS THE ACCOUNT SETTLED FOR {$65.00} but is still reporting collections of {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, transunion, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were discharged in bankruptcy and XXXX XXXX is continuing to change the amounts and will not honor my discharge paperwork. I sent them a faxed copy of my paperwork. My balance went from XXXX to XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE 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 uploaded a letter to XXXX, XXXX  and transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. XXXX, XXXX  or transunion doesn't have any files to verify this account, nor will they delete 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 2020-05-20
Company: ALLY FINANCIAL INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have an automatic payment set up for monthly draft payments for my home equity line of credit that I have had with Ally mortgage for 13 years, previously XXXX. On XX/XX/XXXX of XXXX, I sent in an updated REQUEST to change the bank the payments would be drafted from my account # XXXX XXXX XXXX checking account. I have ALL copies of the agreement, voided check, and their form completely filled out accurately and submited XXXX. On XXXX XXXX, XXXX, in response to my change in 'bank draft ' account number only - I got a confirmation letter from Ally acknowledging same - start draft date was XX/XX/XXXX bank account # XXXX contractual monthly payment ; {$1100.00} - but paying additional principal of $ XXXX acknowledged in writing by ALLY to me. 

Since I have had that set up for 13 years, never had an issue, I did not go and audit my bank account in XXXX to confirm the payment was drafted. I got a letter from Ally dated XXXX indicating that I was 2 months due on my mortgage. I immediately called Ally and complained regarding the EXACT information and written confirmation from them. I said I want in WRITING a statement from ALLY that I would not be charged a 30 day late and or late payments and I would pay both immediately. BUT - since their service and promises are so bad and my requests repeatedly ignored - I told them I want the letter FIRST as I can see myself fighting them even more once they hit me with a late mortgage payment that was THEIR FAULT CLEARLY. 

4 different representatives - all who have referred me to supervisors and then the supervisors have said twice the 'letter to confirm ' no late mortgage payments to me for any kind of late, especially a 30 day late due to the Bank 's ( Ally ) not properly acknowledging and drafting payments they had authorized and acknowledged. 

i still sit now on hold for 45 minutes but this is another Bank unconscionable act and leaves the homeowners in dire straights during especially such a financially taxing time.

Company response to consumer: Closed with explanation