BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am a former XXXX XXXX student who s applications for borrower defense to loan repayment was approved in XXXX of XXXX. Under the court rulings and the secretary of education authority, all outstanding loans, paid off loans and negative reported account history should be forgiven erased, loans dismiss and/or reimbursed. All loans that were on my credit in XXXX were paid off after a payment settlement with the department of education, balance which was reimbursed to me a few months ago. Since the approval of my application I have been contacting the department of education, the different credit reporting agencies and the original loan provider ( XXXX XXXX ) attempting to have this loan accounts and negative, derogatory and inaccurate information from my credit reports. I have called each of the above places several times but each place deny being the people reporting this information. I can not find the company or department responsible for this information being on my file. I have disputed these items numerous times and they always remain on my credit and after I call all parties involved to see who is reporting this incorrect information attempting to have it removed all parties give me the same answer.. that they are not the ones reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Ballybunion Enterprises, Inc
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX i visited a Freedom Acceptance website ( Affiliated with Military Credit Services LLC ). The reason for this visit was to book a plane ticket to XXXX due to a family emergency I had. Shortly after my return home I was facing financial difficulties resulting in late payments as well as non payments. The company I company listed above filed for a Lien on my XXXX XXXX XXXX account using a court out of XXXX while I was XXXX, this occurred XX/XX/XXXX. The lien was placed on my account XX/XX/XXXX while I was preparing for the XXXX, this made it all the more difficult to dispute. I was unable to follow through with the dispute because I was in XXXX and the court that filed the Judgement was in XXXX. I realized the lien had been placed when I attempted to pay a cell phone bill and was unable to due to the bank account being frozen. While I was XXXX I noticed that my paycheck was significantly lower than It should 've been, this lasted about 6 months while freedom acceptance and military credit services were garnishing my wages ; all while my bank account remained frozen. My concern is that while I was attempting to contact this court and this company in XXXX I was unable to get a response. I would also like to know the legality behind a court filing judgement from another state, although the contract was signed in XXXX. The amount of fees I have paid from overseas as well as the extended financial hardship due to my bank account being frozen and my wages being garnished have taken an incredible toll on my family and I.

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 2015-08-11
Company: Rose & Associates, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company Rose Associates keeps calling my number after I told them continuously I 'm not the person they are looking for. A female in charge gets on the phone and keeps saying who is the debt for mam. I 'm like a XXXX, that 's who they keep saying. She says she cant do nothing with removing my phone number cause they do n't look it up that way. I told her she is harassing me and this needs to stop. This is upsetting and needs to stop. They are contacting the wrong person and refuse to stop. They should be out of a job!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: EQUIFAX, INC.
State: PA
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:
I never consented to the furnishing of these accounts on my report and that is in direct violation of USC 15 1681 ( b ) -PERMISSIBLE PURPOSES OF CONSUMER REPORTS. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Macy 's store card and a Macy 's Amex card. 
On XXXX/XXXX/XXXX, my balance was {$93.00} and my minimum due was {$27.00} and due date XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I made a payment of {$30.00} which was above my minimum due to avoid paying interest. My new balance was {$26.00} Today, XXXX/XXXX/XXXX, I looked at my credit summary and I found out that Macy 's charged me {$2.00} interest fee, Why?! 
I called and was told that " now that we have received your payment in full, we will go ahead and remove the interest fee '', I was very furious, why was there an interest on my account in the first place? My payment was received in full on XXXX/XXXX/XXXX, so if I had not looked at my account, I would n't have known that my new balance was {$28.00} and my new minimum due was {$27.00}. 
I had already scheduled a payment {$26.00} for XXXX/XXXX/XXXX, which was my balance. This would have messed up my account, I would have been charged a late fee of {$35.00} and would have been reported to the credit bureau as being late on my account. 
This is how people get in trouble and this how Macy 's make money off innocent victims. I believe this is negligence, theft and deceitful. Someone has to be held responsible. I am still looking at my account and they still have n't taken the {$2.00} off. 
Five months ago, I filed a dispute on my Macy 's Amex card for an unrecognized/unauthorized transaction of {$12.00}. They never responded to me, they never took care of the problem nor did they refund the money back to my account. 
I have had so many problems with Macy 's, particularly on reporting to the credit bureau and handling disputes. By law, they are supposed to make the funds available within XXXXXXXX days when a dispute is filed.

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 2015-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm disputing loan modification denied ( loan # XXXX ) because Select Portfolio Servicing, we gut multiple mistake and came with new trick, Not carefully review of my application, and XXXX modification package and our income and P & L not match please see the last Profit & lost XXXX XXXX through XXXX XXXX, we submitted .see the attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The Fair Credit Reporting Act ( XXXX ) law grants credit bureaus XXXX days to verify or delete a disputed item. At times, credit bureaus exceed that time and wont reply. If the credit bureaus doesnt respond within XXXX days, theyre in violation of the Fair Credit Reporting Act.

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 2016-03-15
Company: American Financial Credit Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
During my personal investigation of this American Financial Services being on my XXXX report even after countless efforts to get them to cease reporting the debt, I became aware that they are not allowed to collect debt in the State of Michigan without being licensed. Reporting information to a credit bureau is widely upheld as a collection activity, and as this is being reported to XXXX, I consider this unlicensed and unlawful activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Ohio Banking Authorities : PNC Bank has consistently overcharged us on our mortgage since the term started XX/XX/XXXX. In the last 3 years of the 5 year term, they have overcharged us {$400.00}. 
I complained to them a short time ago. I explained I was using the statement they send me every month to calculate the interest and principal. 
For instance, on XXXX XXXX, XXXX, they calculated that the interest payable on XXXX XXXX was {$170.00}, and the principal would be {$2900.00}, for a total of {$3100.00}. 
But the next month, they sent me a statement saying that what they actually took out was : interest of {$190.00}, and the principal was actually {$2900.00}. Every month they do the same thing. Charge us a little more than they say they will. 
I complained to them on the phone. My complaint : Every month they change the interest that they charge. It is always a little greater than the posted interest they ask us to pay. It is always changed in their favor. They told us it was due to monthly fluctualions in the calendar. I said the calendar was known when they issued the loan. They refused to address my complaint. 
Our issue is they are overcharging us. When the loan was created, it was a fixed rate loan that never changes. The calendar never changes. How could it change in their favor every month? 
I enclose my statement from XXXX XXXX, XXXX and XXXX XXXX, XXXX. These statements are part of a monthly pattern of price changes in the bank 's favor every month. I have copies of all of the other statements. Again, every month they tell us what will come out on the XXXX of the month. Then the next statement comes out, and they tell us what they took out last time. It is always higher than what they project they will take out. Always. 
My complaint to the bank was basically ignored. But I feel I have been overcharged, and I continue to be overcharged every month. The amount of the difference between what they tell us they will take out, and what the tell us they already took out will soon be over {$500.00}. If they do this to all of their customers, it would be XXXX dollars of excess interest. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage on my principal residence for {$130000.00} originated in XX/XX/XXXX by XXXX XXXX mortgage as an interest-only loan with a 10.25 % interest rate. XXXX XXXX was purchased by PNC Bank in XX/XX/XXXX and they have been the servicer of my loan since then. I am not currently in a hardship but am unable to refinance my loan because there is approximately {$120000.00} in negative equity in my house. I have spoken with every department within PNC and noone is willing help. My monthly interest-only payment is {$1100.00}. I have paid a little more than {$100000.00} in interest as of now and still owe {$130000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
tried to modify home loan with PNC was not told options was put in hardship program worked with hud step forward mi also was denied for late payments was whole purpose of loan modification to lower monthly payments spouse self employed business declined dramatically! now pull credit report and PNC did two hard pulls on both are credit in eleven days time made matters worse and turned us down that is not what this was suppose to do extremely wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because of those inquiries that have no connection to me. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent.

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 2022-05-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase closed down merchant account for no reason and/or explanations. Aside from not being able to process payments, they are withholding a reserve of {$600.00} and have not paid out the {$750.00} promotional bonus. I have also been charged twice for two readers when only one was needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21
Company: AMERICAN ADVISORS GROUP
State: MS
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Received AAG announcement in the mail on XXXX XXXX 2016 of a new " Home Equity Conversion Mortgage Loan ''. Only when I got to the small print at the bottom did I see that it is a " reverse mortgage. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: SYNCHRONY FINANCIAL
State: MT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In 2014 I purchased a XXXX XXXX exercise machine for approximately {$3000.00}. I was offered a promotional no-interest finance arrangement. I asked for and was told that the monthly payments would cover the promotion period and that I would not be charged any interest as long as I made those payments and that this would cover the purchase in full. I unfortunately did not pay close enough attention because this was apparently not done. Now I discover I have paid over {$1800.00} in interest and still owe {$2100.00} on the note. I offered to pay the remaining principle balance of $ approximately {$1100.00} but was told this would not satisfy the obligation. I am being charged 29.99 % interest on the unpaid balance. I told them this was unacceptable, if not criminal, that I was misinformed or lied to and that I would not be making any further payments.

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 2016-10-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my credit card account with Citi in XX/XX/2016. They even issued a refund check for the membership fee. To my surprise, i got a call from collection agency today letting me know that i am past due on the account. I login to my citi account and see that i have interest fee charge, late fee for 2 cycle. How is it possible when i closed the account? The interest charged was dated XX/XX/XXXX. I dont even have my credit card number anymore because i already shredded the card XX/XX/<YYYY>. I closed the account because the unsatisfactory customer service i received from Citi. Mind you i had Citi prestige card for several years and paid {$450.00} annual fee.

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 2022-01-02
Company: Experian Information Solutions Inc.
State: DC
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 have contacted the credit bureau on several occasions and always get the information has been verified as accurate, but the credit bureau never sends me the information I have requested that was used to verify the accounts and personal information from public record. I filed a dispute via mail and over the phone with a specialist, however, the information still remains on my credit file. I tried to dispute some of these addresses and personal information online through the credit bureaus, but it doesn't allow me. I had to contact them by phone or mail. The XXXX accounts are associated with two addresses, that I have requested to be removed several times. I have never been associated with either of the addresses. Also, there are some XXXX XXXX accounts that I have requested to be removed as well. I have no knowledge of those accounts from that creditor. I never gave the creditor permission to access my credit file or report inaccurate information. In addition, accounts on my XXXX credit file haven't been updated accordingly. The following accounts are XXXX XXXX 's XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX all these accounts need to be removed from my credit. XXXX has been paid off for over 4 months and I have disputed with XXXX  several times, provided the info and they still haven't updated it since XX/XX/21, but XXXX  and XXXX  have updated my reports accordingly. I have attached pretty much everything that needs to be done. Lastly, XXXX, I have submitted disputes for the credit INQs currently reporting to my XXXX file and they sent me a letter showing they're deleted, but they still show up on my credit file. I think my XXXX  credit file was too large and split and XXXX  hasn't been able to compile my file properly to retain accurate information.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: OK
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 number 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 explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: OK
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 number 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: EQUIFAX, INC.
State: MD
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:
my consumer report is reporting inaccurate information. PLEASE SEE ATTACHMENTS AND RESPOND ACCORDINGLY

Company response to consumer: Closed with explanation