BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Account information incorrect

Complaint:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

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 2021-01-26
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. ( I have attached the documentation of settlement for reference. ) I am continued to be harassed by the creditor telling me they do not do settlements and that I still am responsible for the remaining balance which is not true and is still reporting in error. It is a violation of the Fair Debt Collection Practices Act - which is a Federal Law that limits the behavior an actions of a third-party debt collections who are attempting to collect debts on behalf of another person or entity. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can 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 2022-04-22
Company: Navient Solutions, LLC.
State: CA
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:
I was attending XXXX XXXX XXXX XXXX and was suddenly dropped due to " attendance '' when I've only missed a handful of times while enrolled almost a year. I completed XXXX hours then the school closed due to fraud. I tried submitting paperwork to get loan excused with no success. Several friends who I attended with got excused. I was charged full tuition as if I finished school. I then try to transfer hours so I wouldn't take a loss and other cXXXX XXXX  only accept XXXX hours which is a loss for me. I would be charged tuition again and have to redo hours. Please look into this matter and help me removing this loan .... I'm now desperate because it's been on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My payroll deposit from my employer is never in the account after it is sent to the bank. 

The bank tells me to wait until XXXX until they have a stub from my employer before the money will be available to use. 

The employer sends the payroll two days before the bank will release my money.

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 2016-09-17
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Paypal Holdings, Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I want my XXXX dollars refunded to my Account paypal illegally took it and I XXXX want it back immediately what's it going to take to get an answer????????.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: SC
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:
Got a phone notification that I had applied for credit with XXXX XXXX XXXX, and have not. Called them and they said that they will canceled the application and for me to contact this web site to stop this from happing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
I disputed several student loan accounts on my Experian credit report that shows student loan accounts that have been paid in full but are showing up as currently active and in collections. Experian is reporting this inaccurate information to third party companies providing background checks for landlords causing me to be denied as a potential tenant because all these accounts are reflecting delinquent payments. The dispute I filed did nothing to correct the inaccurate information which still remains on my account continuing to cause harm. This has not only impacted my credit score but also my ability to provide a home for my offspring. I was contacted by XXXX whom I also filed a claim against and they disclosed to me that they received information from Experian as part of my background check that had showed my paid loan accounts as active and delinquent debts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: AFNI INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: Alliance One, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They call several times a week asking for XXXX XXXX XXXX and to call XXXX XXXX at XXXX. The call comes in from XXXX. States to press XXXX and disregard if I am not him. That does not work they still call several times a week. Online states it Alliance One collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for the XXXX XXXX  XXXX on XX/XX/XXXX and the application is still processing. I have received different answers from the WI program XXXX. US Bank has it listed on their website since XXXX but apparently they are not part of program. The WI XXXX program administer stated they have been trying to work with US Bank and she is " working on some work arounds '' but has not been clear as to what that means. This process has taken over XXXX weeks now for an emergency program that doesn't seem right. US bank served papers on XX/XX/XXXX for foreclosure and when I called them I was confused because I was in loan modification process along with the HAF application. US Bank told me to just " ignore ''. I applied for mediation and they are waiting on US Bank XXXX to respond.

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 2017-01-19
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out federal student loans such as direct unsubsized, direct sub stafford loan, federal plus loan, direct unsubsized consolation loan to attend the XXXX online. I also cosigned a direct parent plus loan for my daughter to attend the art institute and institute of audio research. I consolidated the loans with the intention, of attaining lower affordable payments. My loan is with Fedloan Services with the U.S. Department of Education. Fedloan informed I am only eligible for the income-contingent repayment with monthly payments of {$1700.00} per month. I explained to them the payments are too high and my husband was not working at the time. When I asked them to recalculate my monthly payments they reduced to only {$700.00} which is my whole paycheck. I explained to them that I have other bills to pay. Again I tried to negotiate a lower payment, but the servicer wo n't negotiate. I have been paying what I can, but I still can not reduce any of the principal on the loan due to the interest compiling everyday. Currently, I am in forbearance because the payment amount is unbearable. I appreciate you assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made a deposit to my account at XXXX and my transaction posted at XXXX. I called the bank and was informed that they start processing at XXXX. I have never received any documentation stating that the cutoff time is XXXX I asked if the they could reverse the charges since they could see the deposit at XXXX and the answer was no.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: PNC Bank N.A.
State: NE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I have XXXX auto loan company 's that I want to dispute on my credit, XXXX was thru pnc bank the money was wired and I have the reciept they are showing not paid still and another thru XXXX I paid my loan off and they closed the business but did n't remove it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: FMA Alliance, Ltd.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I 'M SICK AND TRIED OF XXXX SHARE MY INFORMATION WITH FMA ALLIANCE ABOUT MY DEBTXXXX DID NOT WANT TO DO WHAT I ASK THEM TO DO FOR ME.AND THEY MISSED UP MY XXXX. FMA ALLIANCE IN XXXX TX NEED TO LEAVE ME AND MY FAMILY ALONE.I DO N'T HAVE XXXX. JUST HAVE XXXX AND XXXX.I WANT TO QUIT CALLING US PLEASE AND THANK YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I placed a Stop Payment on check number XXXX, for the amount of {$2500.00}, on XXXX XXXX, 2016. 
PNC Bank N/A confirmed the Stop Payment on the check, in account XXXX, both on XXXX XXXX, and today 's call. Check XXXX was, nonetheless, paid by PNC bank on XXXX XXXX, 2016. I called PNC to complain and get compensation. I was, at first, refused in my request to speak to the manager in charge. PNC is informed that my mortgage payment is due on XXXX XXXX, 2016, and due harm to me and my family will result due to its error. PNC has admitted its mistake. To date no satisfactory resolution has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: WI
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:
A collection account under the name XXXX XXXX XXXX has show up on my credit reports. It says it is for XXXX XXXX which I have never done business with. I never received a letter giving me 30 day notice of the debt. I have called and they where asking for more personal information from me I was unwilling to give. I am in the middle of a mortgage refi and this is holding up the process and needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to XXXX XXXX, Equifax , and XXXX. They did not do a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Social Finance, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sofi send response you have check my id intelegence check Id was occurred because lost my residence and driver license I need proof this investigation because my name is already change never opened account with your company never received validation of proof this debt under doctrine I lf you have. proof selfi send me proof this picture and driver license yor scam because not s correctly I dont accept this result trying several time contact us and dont received your proof nothing you have my information because lost everything is match in otherwise account yo say is opened fraudulent ready close for XXXX XXXX XXXX Need proof all your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions 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:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}

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 2015-05-15
Company: Direct Recovery Services, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have had this cell phone number for a year and continue to recieve multiple calls from many different numbers for whom I presume was the previous owner of this phone. Most are recordings, but the few humans with whom I 've spoken always say they will take my name off the list, but no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-05
Company: PNC Bank N.A.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car loan through PNC and after being talked into making them my primary bank, opened an account with them. On two separate occasions, several months apart, they initiated payments from that account as I was behind on my payment ; but the funds were not available on either occasion and they generated overdraft fees. I choose to no longer keep funds in the account and switched my direct deposit back to XXXX. The account was a requirement for payments on my car loan so I maintained, but they started charging monthly charges which I was not going to pay. Rather than reverting the account to the free account I had initially requested, they charged off the account. While all this was going on I entered my final semester in college and had trouble obtaining my financial aide and was again behind on my payments. They contacted me when I was 2-3 months behind on my payments ; I attempted to inform them that I would make a partial ( half-month ) payment, followed by a repeat of the same in 2 weeks, and a full payment on the next due date to reduce my delinquency. I was told that only a full payment would be accepted and that repossession would be attempted. No resolution was reached. When I received my financial aid a month later I attempted to make my account current. The checking account had been closed and I had no path to make my payments. I called the local branches on multiple occasions, was connected to non-local branches on multiple occasions, went into the local branch, called the auto loan branch and there was no one willing to accept my payments, nor to simply reopen the checking account to let me then post my payment. Just short of two months later the car loan was closed in a defaulted standing. When approached by the auto loan/reclaim department of PNC, I was offered a repayment offer that would give me a lower monthly installment ( & lt ; $ XXXX/month ), which was not much of a shift from the original setup ( $ XXXX/month ... I always made payments of $ XXXX/month ). The intent was to " reboot '' my loan, while not removing any of the default reportings on my credit. So go back to the status quo, but have a far less chance of refinancing with another loaner to get away from those that I now had sour business dealings with. I opted to make no payments and not divulge the location of my vehicle and now 2 years later ( with no payments! ). I approached the bank with a settlement option, {$3600.00} on the $ XXXX+ that was the remaining balance, no interest would be accepted on my part as I did not feel it was fair or in my best interest to include them in the base evaluation. My account has now been reported as paid in full on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please see attached Word document for all complaints against SunTrust Mortgage Co . 
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 monetary relief
Consumer complaint received 2022-04-22
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I contacted XXXX at Synchrony where I have my XXXX credit card for HSN on XX/XX/22 for help lowering my interest rate of 26.99 % since I can no longer afford the XXXX of {$200.00}. He was a XXXX and told me they are not reducing interest rates at this time. I told him I am making less money and can barely afford this along with my medications, food and gas. I am a loyal customer and I am looking for help to lower the interest rate so I can afford a lower monthly payment amount. He just kept repeating that be can't help since they are not currently lowering interest rates. I told him I am drowning and need help but he did nothing.

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