BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian will not allow your to file a dispute reference am error on your report.   ive tried numerous time but I continue to get a message that they are unable to help and to contact them when you call them you are placed on hold and then dis-connected

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 2015-08-14
Company: Northstar Location Services, LLC
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The representative from this company contacted multiple friends and family members repeatedly to get us to contact them in a matter of 4 days time. This was even after I contacted them the FIRST day they called. I was spoken to with very ride, aggressive, and harsh language! I asked them to stop contacting friends and family, as well as my husband and I. They then threatened calling my husband 's work and filing a judgement.

Company response to consumer: Closed
Consumer complaint received 2022-09-06
Company: Possible Financial 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: Account information incorrect

Complaint:
Possible loan company has put a derogatory mark on my credit report at - XXXX points due to one payment of XXXX dallors after I had emailed them several times about my payment when it was in good standing I wa neve late in my payments and our on time after they took their payment on XX/XX/XXXX and weeks before I told them to I had a payment plan and to stop Over drafting my bank account to be bias and aut of retaliation they reported me to two XXXX agencies and for negative XXXX points for XXXX they have no phone to be reached out address its completely wrong and fraudulent

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: PA
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 have several hard inquiries on my credit that need to be deleted. These hard inquiries were not authorized by me. I reached out to the individual credits and they suggested I reach out to the credit bureaus. After doing so, no hard inquiries have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XX/XX/XXXX. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies. Case/Docket # XXXX Date Filed XX/XX/XXXX Date Reported Court XXXX XXXX, Alabama. Status : Satsified Lien Amount {$1300.00}

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 explanation
Consumer complaint received 2020-03-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was in XXXX this past month when the government issued all tourist locations closed and a stay at home edict. I cancelled all remaining tours/transportation, and hotels. One of the hotels was non-cancellable and has not responded to requests for a refund. I went to use my trip cancellation insurance associated with my Chase Sapphire Reserve Card and was told " Sorry we don't cover pandemics ''. The card charges a $ 500+ annual fee touting trip cancellation as one of there key benefits. The language in the agreement says disinclination to travel due to pandemic is not covered but this was no disinclination. It was a government edict.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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 2020-03-27
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I signed up for the Marcus by Goldman Sachs savings account ( promotion which is {$100.00}. I deposited the required {$10000.00} on XX/XX/XXXX. The bonus tracker on the website said that I could withdraw the funds on XX/XX/2020 ( yesterday ) which I did. I called up today to inquire about my bonus and was told that I am not eligible because I was supposed to keep the funds until the end of the day on XX/XX/2020. I informed them that the bonus tracker did not say that. It simply said " withdraw funds on XX/XX/2020 '' and you are eligible for the bonus ( which I did ). I am eligible for the bonus because the bonus tracker literally said it was ok for me to withdraw the money on XX/XX/2020 which is what I did. I noticed that the bonus tracker is not showing on my account today or I would take a screenshot of it. Please credit my account the {$100.00} as promised. This is my second time doing a bonus with Marcus by Goldman Sachs and the first time I did the bonus I did get paid for it. If I do not get paid I will not do another bonus with Marcus by Goldman Sachs and will file another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
In XX/XX/2000 I had XXXX security installed due to a XXXX XXXX. Immediately every sensor faulted And the system was bypassed allowing my XXXX and his friends access in my home. Somehow they hack the system my garage was robbed my grandson seen them in the home. I called XXXX several times explaining this to them telling them I didnt want to service it wasnt doing what it was supposed to do which was protect me my XXXX is a XXXX XXXX. Finally in XXXX they agreed to remove the equipment that I had been making installment payments on and refund what I had paid for the equipment. Three supervisors promised me a refund. In XXXX I received a voice message saying I would not receive any money so they retrieved the equipment and kept my money. They did refund me the monitoring fees. I contacted PNC within days of that voice message trying to get them to dispute the charges to get my money back we were in the pandemic I couldnt get into the bank so I was doing it virtually but apparently none of their employees actually filed the dispute. So when I finally got through to somebody else they said it it was beyond their timeframe for disputes which was either 60 or 90 days. So PNC will do nothing either. Bottom line is Im out almost {$1800.00} I have XXXX I have been XXXX XXXX and XXXX XXXX damage has been done to my home I have suffered over gear a continual XXXX and being XXXX on top of what I live through for XXXX years. Every account I have it he has access to because he has access to my phone which is another complaint I will be filing against XXXX. He is determined to XXXX XXXX XXXX and he is getting away with itI have to leave my home of XXXX years the home I raise my children in from when they were born.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Republic Finance representative who identified himself as XXXX the manager of Republic Finance located on XXXX XXXX in XXXX Georgia admitted he withdrew money from my account without permission. But he refuses to return it and the fee the bank charged me for paying the ACH transaction of XXXX on XX/XX/2020, without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
At the beginning of 2019 we setup our Capital One credit on Auto Pay with Capital One. On XX/XX/2019 we called in and spoke with a customer service agent. When we spoke with the rep on XX/XX/XXXX, we asked him to fix our amount coming out which he did. In XXXX we were notified via credit report that our account was late. When we called we were informed again that the payment Capital One was automatically withdrawing was not covering the minimum payment since XXXX. They never sent notices, phone calls, or any other communication to notify us that our account was affected in any way. 
We spoke with numerous customer service agents and they reversed the fees and corrected our account XXXX and made a large payment to correct the issue. We have asked Capital One to review our account, take off the negative comment that the account is late, because it is not and they will not. On XX/XX/XXXX, we called and spoke with someone by the name of XXXX, XXXX and few other reps. Nothing was done then either. 
I asked them numerous to help me fix this and no one would would. I asked to speak with managers and was told I could not. All we are asking is to have our auto pay corrected so the correct amount would be paid each month, the negative remark removed from our account. When I look at my credit report monthly Capital One shows green check marks that my account is paid and onetime. For them to charge us months of late fees and hit our report with no proper communication that is not okay. We have spent on the phone with Capital One trying fix this. I had an account rep tell me that because my account is on auto pay that when they draft my account its automatically because it takes a few days to process. That is not okay. We requested the transcripts which they will not give us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
After making what I thought was a payment in full of my monthly Sychrony Bank XXXX XXXX credit card, which I have through Sam 's Club, I was surprised to find that only the minimum payment had been processed. I knew that this was a mistake, perhaps on my part. So I went back to the website to make the remaining payment. What I discovered through experimentation was that the Synchrony Bank payment site is slamming customers by changing their intended payment amount. It works like this : Once you choose an amount to pay, the next option on the page is the payment date. If the user chooses to pay early or change the payment date to any date but the pre-select due date, the system will change the date and, then will also change the amount paid to the minimum payment. As a result, unless the user is very vigilant, they are making the minimum payment instead of the intended full payment. Obviously, this will generate interest income for Synchrony Bank if the user does not notice the problem before the due date.

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 2020-03-27
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to get a three month forbearance on my mortgage. The XXXX and the state of Maryland said that I had to close my XXXX   XXXX  because of the covid 19 virus. I called the mortgage company several times and was put on hold for hours. Looking on XXXX I can see that many other people have had the same experience. The company does not have any way to initiate the process on-line.

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 2015-11-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I contracted with a home builder to build a new home. The mortgage company ( Citizens Bank ) requested that I let them know when the house is 75 % complete so that they can order the appraisal. On XX/XX/XXXX, I notified them that the house was XXXX % complete. I do n't know exactly when the appraisal was ordered, but I learned the day before our scheduled closing ( which was to be XXXX/XXXX/15 ) that there were problems with the appraisal, and the appraiser needed to complete some steps before closing. 
I managed to track down the appraiser 's email address and phone number, and contacted him to complete his appraisal. According to the appraiser, he did his appraisal, submitted it, fixed it upon request from Citizens Bank, and re-submitted. 
Citizens Bank did not have their job complete for our scheduled closing on XX/XX/XXXX, so the closing was delayed. I then had to reschedule appointments and deliveries that were to be handled on XX/XX/XXXX. I delayed them to be the next day. I also learned that the builder has a {$500.00} per-day fee that they will enforce for closing delays. They waived the fee for the first day delay. 
Since XX/XX/XXXX is XXXX, and a bank holiday, no progress was made that day. But we were assured it would be handled Thursday, and we could close Thursday afternoon. 
Mid-day Thursday, it became apparent that the closing would n't happen Thursday either. I again rescheduled appointments and deliveries from Thursday to Friday. By the close of business on Thursday, I was told that the appraiser still needed to submit some information to the bank. So essentially - no progress was made Thursday, either. 
We rescheduled the closing for Friday at XXXX. Early Friday morning, I drove to the house to take pictures that the appraiser needed to submit, and sent them to him to help move the process along. It is now noon on Friday, and the appraiser just told my real estate agent that he just now heard that he needs to submit pictures. It 's clear that we will not be closing today. I have family coming from out of town tomorrow to help us move, and it seems we will not be able to do that. There are now more deliveries that I need to reschedule again, certainly with financial penalties at this point. 
From my point of view, there has not been any progress on the appraisal since last week. The appraisal was ordered so late that it needed to go perfectly to avoid delaying the closing. But it did n't go perfectly. There were problems, still unresolved, and nobody can say when the closing will happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

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 2022-09-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX I sent Fair Collections & Outsourcing a certified letter explaing that the company has broken the law and is in direct violation of 15USC 1692 ( c ). I XXXX XXXX, the consumer, did not enter into any contract with this third party purchaser. I was not informed or consented for any sale or transfer between XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willingly purchased my personal information as an unauthorized third party without my knowlege or consent. No consent from the consumer is considered IDENTITY THEFT. XXXX continues to ignore all written correspondence and continues to knowingly and willingly attempt to tell me I owe them a debt and furnish inaccurate and false information to credit reorting agencies. At this time I am due remedy for these violations as a federally protected consumer under 15 USC 1681 and 15 USC 1692.

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 2017-05-23
Company: Convergent Resources, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an old  XXXX  prepaid account no contract because it was expired, and I was paying on a month to month basis. I had a balance of {$150.00}. which was paid from my account back in  XX/2012 .  XXXX  continues to place an amount {$450.00} on my credit report for a balance owed. I have filed a complaint with the better business bureau disputing the charge s in 2012 and t hey were removed. I provided screen shots of the payments being received by  XXXX  and they continue to charge for an amount that I do not owe.  XXXX  continues to place the account with different collection agencies on my credit report in which at this point  XXXX  refuse to remove it stating the collection account is valid after previous disputes from the past four years, which have been removed and recorded as being invalid. I have filed another complaint with the BBB today and still have documentation of the final payment being received by  XXXX  along with no active contract at the time back i n 2012. This ha s messed up my Credit report by adding it as unpaid collection 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 2020-03-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 XXXX XXXX XXXX 2020 reported XXXX a company I have zero knowledge of and never engaged in a contract with fraudulently reported a negative blemish on my credit report damaging my score and affecting my personal character all the while violating the FCRA federal laws by reporting false information. Please let it be known this debt is not validated. I see they claim to be attempting to represent a phone company in the name of XXXX. My accounts with XXXX, all though none of there business, have been paid in full and I will upload the {$0.00} balance receipts in this complaint. This is now consecutive times this false reporting has been attempted. A lawsuit will be filed if it happens again. see attached receipts. And regardless of them, again, I never engaged in a contract with ENHANCED RECOVERY CO L regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Williams & Fudge, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX. Company called my place of employment trying to collect on a debt during a pandemic. I'm not sure how much longer I will be employed because of this pandemic and quite honestly not sure how I will pay bills needed to sustain life at this point. My significant other is out of work, as I type this message, struggling to file unemployment. We have young children at home as well and they call and want me to pay this bill that has been owed since XXXX. This is now XXXX and they decide that now is the time to contact me regarding a 6 year old debt? NOT OKAY!!! This is the 1st communication from them in the last 6 years, please let me note that as well. This is very unacceptable, especially since the world is in chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Tribal Lending Enterprise, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan for {$700.00} on XX/XX/2017 via the internet. I made arrangements to have the payments taken directly from my checking account. I made 2 successful payments. I was contacted via e-mail to notify me that my next payment was being made. It is then when I noticed that my payments of {$240.00} and {$230.00} had resulted in a remaining balance of {$810.00}. I still had not received a paper or digital copy of my agreement. I tried logging in and they made that difficult to do. I called and the would not tell me or provide me with fee information or an APR. I persisted and they e-mailed me the document. I was transferred to a supervisor, she then revealed to me that only {$35.00} of each payment went to my loan. I attempted to make payment situations with a lower APR/Fee they refused. Since this is a company that is not on United States soil, they feel that they do not have to abide by US laws. My interest rate is 860.5428 % APR and I only learned that number after 45 minutes and being placed on hold several times. This company, legal or not is deceptive at the least and should be avoided at all costs.

Company response to consumer: Closed with explanation