BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am lodging this complaint against The First National Bank, located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX. 

On or about XX/XX/2021, I had a very nice and productive conversation with the assistant branch manager of FNB, XXXX XXXX, relative to a home equity loan. 

I told XXXX XXXX that I wanted to lock in a fixed interest rate before the rates increased. Subsequent phone conversations, and after I submitted the required documentation, we agreed on an interest rate of 2.39 %. Shortly thereafter I received via XXXX mail documentation from XXXX XXXX located in XXXX, PA with a higher rate of 2.79 %. I phoned XXXX XXXX and advised him of the rate of 2.79 %. I was told by XXXX XXXX that the rate increase did not take into account the discounts and perks that would apply. The discounts applied by the local branch would reduce the rate to 2.39 %, as agreed upon. He advised to ignore the higher rate, because it is always adjusted at the local branch, and that it happens all the time. He also said because of my high credit score, and my low loan to value of my home, I qualified for the lower rate. 

After a few more weeks had passed I called XXXX XXXX to inquire about the loan. He told me that he had some very bad news, and that the initial loan rate of 2.39 % was not available to me. The new rate was going to be 2.79 %. He apologized and simply said that his boss would not allow the lower rate. Although he said he was very sorry for what occurred, he never said why the branch perks he offered me were not made available to me. 

The issue here is the amount of time that I was led to believe that the loan would be approved at the rate which was discussed. 

The interest rate did rise and now I am looking at higher rates. This has been been a very tremendously disappointing experience dealing with FNB in XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Law offices of Steven Cohen LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX ( XXXX XXXX of New York ) sent me a Wage Garnisment Notice On an old debt. I would like for him to stop threatening me about this matter. He threatened to garnish my wages in 20 days from the day I received this wage garnisment notice. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This financial institution took it upon themselves to report a collection account on my consumer report WITHOUT written notice. I am aware that a debt collector must provide written notice a debt before reporting an account on a consumer file. Attached you will find documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: GOLDMAN SACHS BANK USA
State: NY
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 customer service

Complaint:
XXXX XXXX sold my XXXX  credit card account to Marcus Goldman Sachs. I was cut off from XXXX XXXX on XXXX. Tuesday I was supposed to be able to sign on with my Marcus account. I have had no access ti my account for 5 days now and have gotten no service from Marcus Goldman Sachs. Long wait times on the phone ( Hours ). no call backs and no website service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, XXXX, XXXX  and Transunion customer service lines and none would help after, having the police report and FTC report mailed to them.

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 2022-02-23
Company: ERC
State: MI
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:
They call me 3-5 times a day and on numerous times I have requested written communications only. I have requested Debt Validation months ago and still have yet to receive anything. Also call my family member and harass them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, INC.
State: FL
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:
You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law.

Please Delete the following accounts.

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX   credit record ( # XXXX ) 3. XXXX XXXX XXXX credit record ( # XXXX ) 4. XXXX XXXX XXXX credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6.  XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX account ( #  XXXX ) 8. XXXX account ( # XXXX ) 9.  XXXX XXXX credit record ( # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: DISCOVER BANK
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 states have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with capitol one, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted capitol one and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now XXXX XXXX will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an Amazon Rewards Chase credit card that i obtained in XXXX when we signed the contract to 19.24 % -27.24 % Variable APR. 

Normally the APR rate depends on the creditworthiness of a person. as an immigrant my creditworthiness increased to XXXX and have obtained 3 cards One for my Business Chase ink card XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and One this AMAZON Rewards card that has a limit of around {$5000.00} I have a Balance from that card XXXX XXXX  and i am paying regularly every month However last 2 years i asked to Chase to review my card and lower the APR I called them many times to the call center and the supervisors also found that the APR percentage is too high for a good credit score However, despite my applications, i was just sent the same paper indicating i have to pay 27.24 % APR Sadly i do not live this problem with my other cards however i live with just an Amazon Rewards Chase card and as i lost my faith to Chase i stopped to purchase with that card and plan to clean my Balance and decided not to purchase until an official gives me a credible explanation why i have a 27.24 % APR i begin to believe they fixed me and despite i do my best i will get the same result I also went to the branch to ask the same question but they can not give me an answer and also advised the wrong opinion that i was told i have to clean the balance and close the card which will also affect my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: I.P.M. Group LLC
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by a someone on XX/XX/XXXX at XXXX am who said their name was XXXX XXXX with IPM group who said I had an outstanding payday loan debt from XXXX. He had all of my personal information including address and social security number. He was very aggressive in me having to make a decision to pay them, while being flighty about company details. He called me from an oregon cell phone number ( XXXX ) but claimed his corporate office was in Texas. I asked to speak to a supervisor and he said he was the supervisor. I had pressured him further to speak to someone else, I could hear him hand the phone to someone else who was aggressive who said their name was " XXXX XXXX ''. I asked for a first name and was given XXXX XXXX. When I asked for company information he said " we are not doing this '' and hung up on me. I called back asking for more information from XXXX XXXX who continued using the phrase " are we going to be able to make this payment happen or will we have to move this forward? ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15USC 1681 a ( d ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2022-12-31
Company: EQUIFAX, 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:
I sent a letter well over XXXX ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX & XXXX Account # XXXX, XXXXL XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-03
Company: Fig Tech Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted Fig Loans ( the data furnisher ) in writing via USPS certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to Fig Loans on XX/XX/2023 ). On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to Fig Loans on XX/XX/2023 ). I sent a third and final letter on XX/XX/2023 ( See Exhibit C : Demand Letter to Fig Loans XX/XX/2023 ). As of today, Monday XX/XX/2023, Fig Loans has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX- Inquiry : XX/XX/XXXX TXXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: AZ
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:
This is an appeal to have the Department of Education include periods of forbearance for XXXX XXXX XXXX XXXX in the new rule changes/waiver process. This is due to misleading and inaccurate information provided by the loan servicer Fedloans which told me after I broke my back that no other payments options existed and informed me if I couldnt pay to go into forbearance- which I had to do multiple times between XXXX and XXXX due to the setback financially from my medical recovery and PT appointments. If I had been informed that ai could make lower payments those payments would now count towards my 120 months for forgiveness. Fedloan has provided deceptive guidance to borrowers for years to gain compound interest after forbearances without providing any other solutions to those trying to obtain PSLF. I have been employed in public service since XXXX, and have been paying on my loans through various payment plans since, but due to the forbearances I was told was my only option when I had financial hardships, I still have almost 4 more years till I can be forgiven- having my student loans for almost 19 years and because of the compound interest- owe double what ai borrowed to begin with. This is predatory tactics for financial gain of Fedloan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card opens in my name with different Social Security number. I mix file.

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 2023-08-03
Company: Atlanticus Services Corporation
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reported Aspire Credit as Fraudulent, account as of XX/XX/23. Dispute was submitted and resolved with the results : the account has been removed from all three bureaus. Aspire could not verify a correct social security number nor an accuate phone number stating someone called them from a number trying to verify my information. XXXX XXXX XXXX now has bought a Fraudulent debt and trying to seek payment. I have filed a identity theft report with the FTC as well as this complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
This complaint concerns a home equity application to Nationstar/MrCooper during XXXX of 2023. 
We were taken through the process and submitted more and more documents along the way. 
During the process, due to changes in our terms and amounts,, or if I had a question, when I could not reach our primary advising representative, I attempted to contact that person 's manager ( as directed ), then that person 's manager, then that person 's manager, and so on. I was not able to reach any of these individuals, nor did they return any of my messages. When calling the last manager on the chain, the phone # was not even an active phone #, and was then directed to contact the standard customer service #. Very frustrating. 
After going through this process for roughly 6 weeks, we were abruptly told that since we were considered to have a " rural '' property, our loan amount was limited to {$15000.00} less than was previously agreed upon, while being required to pay an additional {$15000.00} just to get the loan. 
This obviously was not acceptable, and we believe this was done as a way of saying " we don't want to loan you the money. '' They were aware of our " rural '' address from the very beginning of the process, and this was never mentioned as being a concern.

Company response to consumer: Closed with explanation