BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
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:
RE : DEFAMATION OF CHARACTER to whom it may concern, This is about the consumer report dated XX/XX/2022 received from EQUIFAX via email. While reviewing my report I came to know about the inaccuracy and even fraudulent information still being reported on it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Your company FALSELY REPORTED information that resulted in defamation of my character. even further, you created deceptive forms that made creditors and employers believe that i was in debt though you could not prove its validity. If the debts were valid you created a false impression that i could not pay the alleged debt. As a result i was discriminated against and denied my right to extend credit. I was denied a XXXX XXXX credit card, and personal loans, I have suffered emotional as well as financial hardship. Therefore, your company is liable under 15 USC 1681o. I have evidence of over 10 phone calls made to EQUIFAX to remedy this matter. I have previous CFPB complaints that EQUIFAX has failed to accurately investigate. I have contacted your company through multiple mediums to remedy this matter. EQUIFAX has willfully and knowingly refused my right to an accurate credit report pursuant to the FAIR CREDIT REPORTING ACT. As a result of a previous breach of my personal sensitive credit information by EQUIFAX i am eligible for a settlement check from the class action suit. Claim Number : XXXX which further proves my sensitive credit information was not secure. However, Still to this date, EQUIFAX continues to be unfair and impartial to my right to privacy and refuses to remove the inaccurate and fraudulent information from my report. my EQUIFAX score is the lowest amongst all my other credit scores and continues to tarnish my character and reputation. I hereby grant your company the opportunity to remedy this matter by doing the following things ; DELETE the account in collection status XXXX XXXX XXXX XXXX XXXX from all consumer reports. Pay {$1000.00} by check addressed to XXXX XXXX for the willful and repetitive knowing violation of my rights. If your company refuses to remedy this matter, I will pursue individual action under the Fair Credit Reporting Act seeking actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: PNC Bank N.A.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I believe that I was misled by PNC bank regarding the automatic payments for a car loan ( paid in full in XXXX 2015 ). I discovered it when the loan payment was auto-drafted for the second time after the loan was paid off. PNC advised that " I '' had set up our payments to be made through a 3rd party service ( mycheckfree.com ). I did n't realize that when I originally set up the auto-draft through their website that I had been redirected to a 3rd party not affiliated with pnc. PNC now tells me that that I should have cancelled the auto-draft though the other company ( and that I would n't receive a refund for 10 days. ) Their auto-draft set-up was misleading - I thought all along that I had set up payments with PNC. The bank statement even showed " ACH withdrawal PNC Bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Mortgage broker did Credit inquiry on my credit report without authorization. 
Talked w/ husband heard him telling them not to do Hard pull, meanwhile I gave no XXXX authorization to do a credit check on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I hired a service and the merchant charged me {$560.00} on XX/XX/XXXX. They did not complete their agreement and per our contract owed me a refund. I attempted to contact them multiple times with no success. I contacted the bank on XX/XX/XXXX and opened a claim. The merchant then reached out and agreed if I closed the claim they would refund. I did so on XX/XX/XXXX and the merchant never refunded me and has no completely ignored me. I have contacted the bank 8 times regarding this and they have advised me the merchant received the money back they took out of my account but will not re-open a claim. This claim was not settled and this is my money. Chase Bank has refused to rectify by opening the claim that was not settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have had nothing but trouble for a number of years trying to qualify for a loan modification. We make enough money to sustain a mortgage payment and had put over XXXX down on this property now only worth XXXX when we bought it for over XXXX XXXX. We were forced into a bankruptcy after multiple attempts to resolve the disputed mortgage delinquency and modification process threatened us with foreclosure. We have also attempted to resolve this issue through and attorney ( XXXX XXXX XXXX XXXX XXXX XXXX ) who ultimately cost me over ten thousand dollars to still have the threat of foreclosure and stall tactics with no real resolution during the entire process. Ultimately denying us saying they could not verify our income, which we have provided bank statements and tax returns for. I am now attempting to short sale the property as a last resort although we should qualify to stay in the home. We were told we had to drop litigation in order for them to review us for a modification after over a year of going no where, then when we did, they blocked us from speaking to them to get status of the modification review and to confirm that they received the documents we sent. Instead they only lift the block 2 days ( they refuse to help saying its now to late ) before a sale date forcing us to file a bankruptcy to prevent the home from going to sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Company called my cell phone and asked if I was a certain person. 

I responded with my name because the person they were looking for is a family member, and proceeded to ask what the purpose of the call was. Caller said the purpose was a private matter and then did not indicate that it was a matter of debt or bill collection and did not indicate the agency 's name. 

Caller then pressed for current phone contact info for the family member, which I provided. 

I called the number back after learning that it was a collections agency ( FMA Alliance ) and complained to a supervisor ( XXXX XXXX ) about the conduct of the previous call. Supervisor was unconcerned about the conduct and indicated that no action would be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification in  XXXX     2016  and after months of resending the same paperwork and jumping through hoops, I received approval and a partial payment plan in  XXXX   2016  in which I needed to being making payments for 3 months before I could be assessed for a permanent modification. I made  my three payments, last one i n  XXXX   2016  and they still have not completed my final loan modification. I have since been denied a job because of this account on my credit, due to their delay and just keep getting the run around when I call for an update. I need this modification to be complete and my credit report updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have several loans being serviced by Navient, one is a Dept of Education loan. I have made a number of payments to the DOE loan and on XX/XX/XXXX looked online and could not see payments that I mailed last month posted. I provided Navient via email on their site, the most recent check # s made & sent to pay the loan at the XXXX, GA XXXX address that I always mail the payments to, and requested for them to look into it. I have not received a response. However, the second request I made the same day via email ( through the Navient site ) to change the payment date for the other 2 loans, to match my pay period at work was denied -- NOTE : that email was IMMEDIATELY responded to by Navient. They also make it difficult to retrieve my communication with them via email through their site but are quick to email me regarding late payments ( pdf doc in their website under my profile ). This morning, I set up Bill Pay through my financial services department, so that Navient will stop charging me late fees. I can absolutely understand why people get frustrated and file complaints against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$9400.00}, {$8100.00}, {$0.00}, {$0.00}, {$24000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

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 2022-07-26
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Credit determination

Complaint:
On XX/XX/2016 American Express placed an inquiry on both my XXXX and XXXX credit report which I did not authorize. The American Express Website contains a page ( https : XXXX ) where they claim you are able to " See if we Have Any Pre-Qualified Offers for You Find out in less than a minute without affecting your credit score '' However, when I completed this information it resulted in hard inquiry on which reduced my credit score by 9 points. I called to complain about the situation but was treated very rudely by " New Applications Manager '' in XXXX ( XXXX ). She told me there was nothing that could be done and when I asked her how I could complain to the company CEO she told me to " google it ''. I am shocked at the lack of customer service when an obvious error has been made on the part of American Express. I would like all inquires on XX/XX/2016 removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On  XXXX / XXXX /  XXXX   my employer received a judgement to garnish my wages. The garnishment started about a month ago. I called my HR person who informed me that the creditor was  XXXX   XXXX , whom I have not had any bad debt with for ove r 10years.  The entity that bought this debt  is Foster and Garbus ,  XXXX   XXXX   XXXX   XXXX  NY  XXXX . Their phone number is  XXXX  when I called I was transferred to Ext.  XXXX . The statute of limitations on unpaid credit card debt in NY is 6 years, therefore this is illegal an illegal debt for them to collect on. Furthermore I was never issued a summons to appear in court for this so called debt. I have emailed and cal led Foster and Garbus  and no one has gotten back to me with the information I requested ie date of the debt, the name of the court the judgement was issued in etc. I did a search on  Foster and Garbus  and found many such complaints dating back 5 years. Why is this illegal activity allowed to continue? You are my first step in trying to get some answers.     Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORTS PLEASE UPDATE MY INFORMATION THANKS

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 2022-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
I recently have closed my Capital One account 3 times. I have spoken to and received confirmation numbers that my balance was XXXX as of the minute I paid it. These conversations were all recorded by Capital One. 
XXXX attempt : XXXX paid balance shown on statement XXXX attempt : XXXX on XXXX XXXX interest charge XXXX attempt : XXXX on XXXX XXXX interest charge I cut up the card after the first payment. It was the balance online. Second for interest to the minute over the phone. The same for the third. I was assured the last time was totally paid in full and there would be no further charges. Yesterday as I checked the account there is a balance of {$82.00} again for interest. I really dont understand how they can keep charging interest on a XXXX balance. Or why this is difficult for them to just close it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-26
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2015-10-16
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently current on my mortgage payment and this company keeps returning my payments to me and not applying the payments to my mortgage. They have me owing for my mortgage from XX/XX/XXXX to XX/XX/XXXX and I have paid these payments and they keep returning my payments weeks and months later, making it appear as if I am behind on payments by months, all the while threating to illegally forclose on my home, with multiple certified letters and mailings! I have spoken to different agents in this company and all give reasons that make no sense whatsoever as to why my payments are being returned. This company has XXXX of complaints against them in regards to sketchy practices.. OCWEN Mortgage is the company. I have all my bank statements proving I have sent the mortgage payments. I will be seeking legal action against this company if they continue to send my mortgage payments back as I truly feel they are trying to illegally take my home. There is no plausible reason why I have paid my mortgage and my payments are being returned unless there is some underlying scheming going on! 


Sincerely

Company response to consumer: Closed with explanation