BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To Whom It My Concern, I was looking at my credit report on XX/XX/XXXX. I had noticed o the hard pull Inquiry 's and there is a lot of stuff on here I never authorized, Isn't mine and that I am unfamiliar with. Under the fair credit reporting act I was hoping you guys could look into this and hopefully these Inquiry 's which I feel I didn't make unless provided proven paperwork stating otherwise. I have tried calling some of these companies as I believe this to be Inaccurate and possibly fraud. The customer service on these companies is terrible. Here are the items I am disputing. I Just want all the inaccurate information off my credit report. I will also attach a picture of my credit report with this false Information. XXXX XXXX XXXX XX/XX/XXXX I didn't Authorize. XXXX XXXX XX/XX/XXXX I am being hit twice on the same day I didn't Authorize that. XXXX XXXX XX/XX/XXXX I spoke to them Early XXXX they had said they would remove that and never did. XXXX XXXX XX/XX/XXXX I never authorized. XXXX XXXX XX/XX/XXXX I Never authorized. Everything stated above I never gave anyone permission to run my credit. Okay lastly XXXX XXXX XX/XX/XXXX I believe this was a credit card increase they had said would be a soft pull inquiry and that was the only reason I did it. If anybody has any question for me please feel free to reach out as I would like to resolve this matter as soon as possible. I understand with Covid-19 everyone going through hard times. I just want to have accurate information on my report to all the major credit reporting 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 2018-03-20
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On the weekend of XX/XX/18 I overdrew my checking account and during that weekend I made 2 cash deposits to rectify the situation. I called my bank and talked with customer service to see if they could help me refund a couple of the overdrafts. He said he was unable to do a courtesy refund because this had already been done prior. I said fine but didn't want to keep falling behind. I stated that I had a direct deposit going in the next day and he told me I would be fine and would accure any more fees. The next morning I had 3 additional overdrafts. I called customer service and asked to speak with a manager and was told none were available. I called back at the same number and was able to speak to a so called manager who was not able to help either. I am very upset due to the fact that I owned up to my mistake and tried to make it right and was told no fees would be added.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I INQUIRED so I thought online with USAA Bank, about a loan to refinance a vehicle I currently have as a lease that the lease is about to end, and I was looking for interest rates. 
When I went to USAA site it took you to series of questions, and never did I know it was an actual credit application since I never put in my SSN There were no disclaimers that this was a actual " credit application ''. 
I was not looking to apply for a loan since my lease isn't up yet, just looking at options on financing. 
I was quickly denied in seconds despite ... 
My recent credit score was XXXX, I am in the end process of refinancing my home loan at a VA lender for a 2.25 % interest rate, Never missed a payment on USAA or any other credit I have which is, 1 other credit card, and a new XXXX loan. 
USAA is deceptive, and I want a letter that this was not a credit inquiry, they claim to serve military, but my opinion is they play off of it for their own benefit! 
The people I spoke to never offered resolution, I pride myself on good credit and have served XXXX years in the military

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i need to know all late fees were waived in 2017 tired of getting photocopies of answers previously submitted does nothing. I have unresolved issues left several messages for XXXX XXXX to get contact info name and number for her supervisor have received nothing. please address quickly and without red tape.

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 2021-09-10
Company: AES/PHEAA
State: FL
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 worked in XXXX XXXX  since XX/XX/2010 and have been enrolled in income driven repayment plan ever since. I was told throughout the process that had I did not have to submit any paperwork until I reached 10 years of service. Once I submitted by loan forgiveness, they told me had I had 61 one qualifying payments. Not even half over a 10 year span, with the same employer, and same payment plan. The first 3 years are completely missing, then the payment show they were made outside of the payment window. I had automatic withdrawal, verification of payments etc.. I complained to Fed Loan Servicing, who said it would be reviewed. After nothing from them, I submitted a complaint with the ombudsmen, who said sometimes that happens when a new servicer takes over the loan, even if they were made timely. He requested a review. That was months ago. I have since submitted another complaint with My Fed Loans, who again said a review would be completed. Fed Loans will no longer service PSLF as of XXXX, and the rate this is going, no review will be completed either. I am stuck at a job that I can't leave because of someone else 's negligence and can't get any resolution. I have done my part, now it's time for someone to do theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Sentry Credit, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone who got had information forged my signature on a lease for a place. They even falsified their own names as occupants on the lease. After 1 month they were evicted but the company is coming after me for over 8000 dollars. Not exactly sure where the XXXX comes from if they were able to get it rerented within 60 days but regardless it was fraud to even have me on the lease. I have tried to dispute it with the credit bureaus but had no success. I have also tried communicating with the company to let them know that this is not mine and i never signed a lease or stayed at their complex. Please help. Its effecting my ability to get a home loan.

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 2021-09-10
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:
I opened this auto loan with XXXX XXXX XXXX XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time. 
I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else

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 2019-04-15
Company: John C. Heath, Attorney at Law, PLLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have had this service for more the seven years, the more I use them the more bad credit I ended up with. Speaking on this year a lone what they have been doing has stop completely. When calling them on these matters they had no answers, I could only take they where just collecting my money every month as some kind of support. When calling and hearing this I requested to stop all and any services, this was in XX/XX/2019. They have continued services by E-mail. In hoping too have a large pay day of some time in my future. By my Credit Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
they have been raising my payments and when I call to speak with them they are very rude and get upset because I speak XXXX. I called you all and told you about my complaint and I have my daughter checking for the report number but it say I don't have a complaint number can you please call me XXXX XXXX  speaking please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a lease with XXXX XXXX XXXX in XXXX XXXX, FL. After months and months of complaining, the office manager XXXX XXXX told me in person I could break my lease with a 15-day notice and no penalties. I also have this via email. She has now backed out of it. I gave my 15-day notice, and she has sent me to a collections agency, NCC Business Systems. NCC is stating that the office manager was not allowed to tell me that I could break my lease. They're stating that I needed to go to XXXX XXXX XXXX. This is inaccurate information, and nobody is helping me, even though this is in writing. XXXX XXXX has been with this apartment complex for many years, and she knows what she does and doesn't have permission to do. And if that is the case, it is between XXXX XXXX XXXX and XXXX XXXX. 

I made this decision to move forward because of her email and her promise to me. I can not pay the {$3000.00} they are trying to collect from me. And they are also threatening to damage my credit over this. 

I have several emails and complaints about this property that were never handled. Please reach out to me if you would like more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On or around XX/XX/XXXX Citi Card ( Thank you Card ) sent my bank an e-bill of {$2600.00} when my balance was only around {$610.00} and some changes, on XX/XX/XXXX I've contacted my bank and was told Citibank sent them an e-bill ( electronic request ) for the amount of {$2600.00}. After that I contacted Citi Card customer service, and requested the refund, I was told it would help in 3 to 5 days, I made clear that money was allocated for other bills and needed it ASAP, they said they would expedite it, but nothing happened. 
I have called 4 more times, phone call and electronic calls ( chat services ), nothing happened, and finally today, once again I was told it will take 3 to 5 days.

This is a business relationship, I pay fees if I'm late, i pay interest on balances, this is not a family or friend favor. 
They have been misleading and about the process, always excuses and never a solution.

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 2021-08-11
Company: JPMORGAN CHASE & CO.
State: UT
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:
XX/XX/2021 call from amazon stating fraud charges on my acct. Over {$1300.00} from a book club in CA Press # 1 talked to XXXX XXXX (?? ) told him I was not at home to use my computer and to call me back later. Was told not to give personal info to anyone. Found out it was a fraud call and did not answer any return calls ( about 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
We started proceedings to rid ourselves of two timeshares in XX/XX/2017. XXXX XXXX was given {$10000.00} to get us out of the unwanted timeshares Their Phone # XXXX. XXXX XXXX. I spoke to XXXX and was told " do not pay the credit card for XXXX ''. 
The credit card amount of is {$600.00} as you see I made a payment of {$120.00} before we started proceedings. XXXX gave a discount if you used the XXXX XXXX  credit card. So we set up the credit card. After going to XXXX we were bombarded by their sales people to buy more weeks for 8 or more hours, which took up so much of vacation time that we decided to get out. When we were originally bought into XXXX they told us the resort timeshare " could be given to our children. ". No mention of my children would have to take them. We asked our 2 boys if they wanted the timeshares they both said absolutely not.. So we stopped payment of Card and we began getting calls from Portfolio Recovery XXXX. They have been calling weekly, even after telling them to call my Lawyer. Along with other unwanted calls and robo calls my phone is constantly ringing. I am to the point that I don't even answer the phone. I made a recording telling people to leave their name and phone number just so I don't answer the phone. All this trouble with Portfolio Recovery, my credit score was close to XXXX now it is down to around XXXX. Anyway the calls from Portfolio Recovery are really stressing me out. It is a shame but I have a small business and probably miss a lot of customers because I am tired of all the call. There are some if you answer the phone their is silence and no-one on the phone.. I should also tell you I fell off a later in XXXX was hospitalized twice and am still recovering. Which also makes it hard to answer the pone when they are unwanted calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have another complaint against this company. They called me last week and I told them not to call. I sent them a certified letter to tell them in writing not to call and they still called. So I told them over the phone and in writing not to call and they still call. The tracking number is USPS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I currently hold a 27 year conventional mortgage loan with Rocket Mortgage ( Quicken Loans ). I began the process of refinancing the mortgage loan on Friday, XX/XX/XXXX and subsequently received an estimated loan package along with an intent to proceed which was sent to me in the early hours of XX/XX/XXXX and returned digitally signed by me and returned to them via their portal before XXXX  EST that same day. When logging in to my loan account on XX/XX/2021, I uploaded additional documents including a certification of trust and the current deed so that the home would be properly titled to the trust. The company subsequently, inactivated my loan application without notice or reason. I reached out to the lender via the email address they provided to me on XX/XX/XXXX to get clarity on why this occurred but am extremely frustrated with this practice and the amount of time this has wasted over the past 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is reporting that I have a serious delinquency on my consumer credit report and this is incorrect. I have never paid late on any of my accounts and this false information has dragged my score down for years and resulted in me paying higher insurance premiums and paying higher interest rates. I also believe that I have been denied access to credit because Equifax is incorrectly reporting that I've paid on an account late. I have disputed this negative remark with XXXX and XXXX and they have removed the negative remark. Unfortunately the negative remark still shows in my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I tried disputing this address off my credit report but it still remains the on my history. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Address Identification Number : 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 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
WE OPENED 2 CREDIT CARDS WITH BANK OF AMERICA IN ORDER TO RECEIVE BONUS MONEY. NEVER GOT IT ON THE 1 ACCT THAT WE MET THE CRITERIA ON. ALSO OPENED A BUSINESS CHECKING ACCT THAT WAS SUPPOSED TO PAY {$500.00} BONUS FOR MEETING CERTAIN CRITERIA THAT WAS ALSO MET. 
HAVE BEEN CONTACTING THEM CONTINUOUSLY FOR MONTHS, NO RESOLVE. BEEN IN TOUCH WITH XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, ALL IN THE SMALL BUSINESS DEPT.

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