BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: MI
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 have continuously tried to resolve certain issues on my credit reports from all  XXXX  major credit reporting agencys. I have recently applied for credit and was denied. was not contacted at all by these  XXXX  agencys lettening me know there were possibly something negative in my reports and giving me a chance to respond or to investigate. The  XXXX  credit reporting agency 's just went ahead and gave the business inquiring into the credit the reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a paid judgment of my credit report in the amount of {$1200.00} date d  X/14 . I  have mailed copies to all  XXXX  credit bureaus (  XXXX ,  XXXX  and Transunion  ) sh owing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement "  Counter Claim Offset '' so Im n ot sure why this is listed on my credit report and I would like this information to be removed because it is affecting  my credit score altho ugh is paid.

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 2022-08-16
Company: CITIBANK, N.A.
State: KY
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 CFPB : Issue : The Macys charge account reported to the XXXX bureau before the first billing cycle due. In fact, I have not received the first statement. 
( This is incorrect information in reporting that communicates I did not pay off this debt ; within billing cycle due. [ This is not accurate ; furthermore, negatively affect the overall credit score ) This is a violation of my consumer rights ]. 

Action : XX/XX/2022 around XXXX and XXXX at XXXX ( XXXX ) XXXX. 
I called Macys credit account customer service twice. The first time I spoke with a representative, and second call I spoke with a supervisor [ both calls are recorded ].

Research : I have four credit accounts, and no other organizations reports to credit bureaus prior to first billing due date.

Desired Result : The Macys charge account correct this error ( to XXXX [ XXXX and XXXX ], and report after first billing cycle due. 

I appreciate your time to read, investigate, mediate, and to achieve desired result. 

Respectfully, - 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 2022-04-27
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-04
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 explanation
Consumer complaint received 2021-11-19
Company: Experian Information Solutions 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:
Re : Requesting a Method of Verification Letter I recently received an answer to a dispute which state that the accounts 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, and XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX, XXXX BANK, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.

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 2017-10-16
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am currently a college graduate student at a XXXX XXXX in Massachusetts.I was encouraged to apply for student loans through XXXX 'MASSACHUSETTS EDUCATIONAL FINANCING AUTHORITY ' a state agency which are only available to students who are Massachusetts residents or attend college in Massachusetts.I was devastated to learn that i could not defer my undergraduate loans from XXXX XXXX while i continued my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Bull City Financial Solutions, Inc
State: NC
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: Problem with personal statement of dispute

Complaint:
Bill City Financial reporting my name for unpaid medical bills despite a 3way call between XXXX XXXX XXXX XXXX XXXX, Bill City, and myself! 100 % XXXX Veterans have no medical bills for Outside Medical Care.Bull City told me they contacted Office and was told I have outstanding balance due and that is untrue statement.Bull City keeps my name on derogatory credit list despite verification from XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
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  Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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 2021-11-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called XXXX XXXX XXXX  who is XXXX  Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them experian XXXX ans XXXX to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.

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 2022-08-04
Company: SIRVA WORLDWIDE INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I made a partial ( 50 % ) payment to my mortgage company on XX/XX/2022. Payment is due in full by XX/XX/2022. I received a letter dated XX/XX/2022 that they could not apply the {$1100.00} upon receipt because it was not a full payment. 2nd half of the payment was sent on XX/XX/2022, at which time they applied both the 1st and 2nd payments as " one full payment ''. So they held my payment for half the month until they received 2nd half. I called today and they said they can not apply partial payments and I think this is wrong. They should apply ANY funds received toward my loan upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, I was alerted that my name and DOB were used to open a checking account at Wells Fargo. After contacting Wells Fargo, I learned that the account was opened using online banking, and also used my SSN.

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 2022-08-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXX XXXX XXXXXXXX XXXX inquiries XX/XX/XXXXXXXX XXXX XXXX -inquiries XX/XX/XXXX XXXX- -inquiries XX/XX/XXXX XXXX XXXX -inquires XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX inquiries XX/XX/XXXX XXXX XXXX XXXX charge off XXXX charge off XXXX XXXX XXXX XXXX Charge off XX/XX/XXXX XXXX XXXX XXXX XXXX charge off XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Im a  XXXX  student that graduated from  XXXX   XXXX  on  XXXX     2016 and  they promised to help me find a job and failed to do so after I graduated. Im unable to pay my student loan that  XXXX   XXXX  gave me from Navient and I live on  XXXX  fixed income.  XXXX   XXXX  me and other students through an internship that was a small computer shop that looks like a sweat shop that doesnt teach us anything about our job careers in the computer field. I will like if you can please have the courtesy of resolving this issue by waiving or reducing my student loan that im unable to pay with my  XXXX   XXXX  income and prevent this from happening to other students from wasting our tax payer money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, The following company Su n Loan is  not bonded in the state of TX and legally can not collect debt in TX. Please remove from my credit report.     Please remove from my credit report and debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Service Finance Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX    XXXX  , my wife and I contracted to have an  XXXX   XXXX   solar system  (  XXXX  solar panels and inverters ) installed on our home through  XXXX  ( dba  XXXX   XXXX   ,   XXXX   ).  We have an invoice showing that we paid in full for the system, which I will attach. A few months ago, we began receiving statements from a company named Service Finance Company , LLC. They did not identify themselves as a debt collector nor relate the amount on their statement to the system we had installed. I thought it was just one of those mail phishing schemes where you send one payment and you 've suddenly signed up for a loan. I was throwing them away. Last week, we began receiving emails from a  XXXX   XXXX  stating that we owed {$7100.00}. We requested they send a contract showing that we owed that amount.  XXXX   XXXX  sen t one of th e statements we had been receiving in the mail ( also attached  ). W e wrote back requesting to see a  XXXX  contract. What we received today was an ALTERED version of our original contract with  XXXX   ( also attached ). It   appears that  XXXX  is no longer in business. Nor can we reach anyone at  XXXX   XXXX ,  XXXX   ( w e left a message, but there has been no answer ). We believe we are being targeted in a fraudulent scheme to bill us for money we do not owe on behalf of a company that is no longer operating. We have submitted a complaint with the Texas Attorney General 's office, but are looking for any help we can get. Thank you very much.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: NJ
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:
Hello and Good Afternoon, I am reporting this to see a change how credit card companies/banks applied payments every month to their account holders. I have  Wells Fargo Ban k credit card for more than a decade. As per banks and  Consumer Finance Protection Bureau policy, the last c hange that was made to protect the consumers is applied payment to higher interest rate account.     I have purchases worth {$1600.00} on the the credit card with minimum amount of {$28.00} due this month. I am willing to make {$300.00} payment. I am not sure if I will be able to make payment next month toward the remaining balance. In order to secure next few months minimum payments, I would like {$300.00} applied to next 5 months. This way I will secure my minimum payment for next 5 months. Also, the in this process, my principal balance will be reduced immediately. If the bank/credit card company would allow this, then I will be saving late fees, insufficient fund fees etc.     I have called them to make payment arrangements for next several months ; however, credit card company 's policy would not allow this change. {$300.00} can be applied to principal balance and I would still responsible for minimum payment following months regardless of my financial resources. Also, if the payment is not made or return, there will be additional charges and fees. I hope to see this change to avoid late fees and other charges resulting me of financial help.     Sincerely,  Consumer Activist

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 2017-04-25
Company: PNC Bank N.A.
State: IN
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:
In   XXXX   XXXX     I paid a bill with my  XXXX  debit card at  XXXX   XXXX , Indiana and was charged a 7 % fee to have by them transfer the cash. I stated at the time I considered the fee excessive given that it was a no risk transaction. They stated that was the fee they were required to charge by their vendor.. I was also issued a card with the  PNC logo that was  a debit card that had aaproximatelly {$140.00} placed on it to reflect the cash I had deposited with  XXXX   XXXX . When I tried to remove the cas h via a PNC ATM I was informed I had a zero balance. I spoke to a PNC employee and he informed me the cash balance would be transfered back to the card. When tried to remove the funds again i was informed I had an insufficient balance by the PNC ATM.    .   I called the number on the back of the  PNC issue d debit card (  XXXX  ) and it connected me to a representative at   XXXX   XXXX   XXXX    .  The employee informed me there was a fee for obtaining my balance at the ATM and there would be an additional fee beyond the ATM fee from   XXXX   XXXX   XXXX   that was prohibiting me from removal of the cash balance presented to me by the  PNC ATM.    The 7 % fee imposed to transfer cash is the first time any additional fee has been directly charged when using my  XXXX  ATM. The fees to access my balance and to retreive my own funds beyond the ATM fee is unwarranted and excessive.     i want the fee arrangement between  XXXX   XXXX  Indiana,  PNC a nd  XXXX   XXXX   XXXX  investigated and I want my funds returned without the charged fees to access and retrieve my own cash..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: BARCLAYS BANK DELAWARE
State: PA
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:
Good afternoon, I have a Barclay credit card which I have not used in several months. I called today to cancel it and because it was within 60 days of the {$89.00} annual fee being charged I need to pay the fee in order to close the card. This is the kind of nuisance fee the bureau states it is trying to protect consumers from. I have an XXXX credit score and have perfect repayment on the account. My account was profitable for the issuer due to interchange fees made due to the heavy usage of the card. 
I think it's ridiculous to make someone pay a fee for a card they are closing. The only thing they were willing to do was file a complaint for me. 
You may be unable to assist me, however I think this kind of fee structure needs to be removed in order to protect consumers moving forward. Essentially they are requesting an annual fee on a card I'm closing and will receive no benefit from. The annual fee was waived for the first year so I consider this a fee for the coming year. 
Thank you

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 2021-05-11
Company: Paypal Holdings, Inc
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/21 I was the victim of a fraudulent Venmo request or spoofing where a user impersonated my sister. I sent {$400.00} to the scammer but realized almost immediately my mistake. Although the charge was still pending Venmo refused to freeze it and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
With funds available in account I was charged an overdraft fee. This overdraft fee put my account into the negative. Without this fee the next purchase would have also been covered. Now there are two more purchase that posted. These would count as overdrafts. That's two overdrafts instead of four. This is if the money is considered out of your account at posting time. 

If PNC considers your money out of your account at transaction time the transactions went XXXX, XXXX XXXX, XXXX  and then XXXX XXXX. There were enough funds to cover the first three purchases but the fourth bout me over. So only the forth ( XXXX XXXX ) would have been an overdraft. 

PNC is counting the money out of my account at pending but then again at posting leading to overdrafts for purchases that have enough funds to be covered.

If it's counted at transaction time I am owed 3 reimbursements of {$36.00}. ( {$100.00} total ). If it is considered at posting I am owed 2 reimbursements for wrongful overdraft charges ( {$72.00} ). 

I can not attach any file until I receive my monthly statement.

Company response to consumer: Closed with explanation