BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To acquire a mortgage through XXXX XXXX XXXX, they need to connect to my financial account through PNC. They use software called XXXX to connect my account instantly. 

PNC does not connect with XXXX  and therefore can not connect with my financial accounts in quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Skopos Financial, LLC
State: MO
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:
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2020-05-30
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2015-06-10
Company: Big Picture Loans, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I obtained a XXXX loan from castlepayday.com not knowing that the company held no license to transact business in my resident state of Ohio. I was rushed into signing an agreement during a desperate time and did not understand the terms and the outrageous interest rate I was being charged. The person on the phone barely spoke English

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I bought XXXX Litecoin on Coinbase for {$150.00}. On XXXX XXXX, I bought XXXX Litecoin for {$570.00}. On XXXX XXXX, I bought XXXX Litecoin for {$1200.00}. The total comes out to be {$1900.00}. When I tried selling all XXXX of my Litecoin, Coinbase told me that I had to verify my identity before I could continue. What does n't make sense is that Coinbase sent me an email saying " your identity has been verified '' on XXXX XXXX. I filled out all of the fields correctly and the app said it could not locate my ID and that I had to wait 24 hours to try again. However, after a week of trying to " verify '' my already verified ID, it still would n't let me buy or sell Litecoin. I submitted multiple support tickets and tried calling them, but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: BANCO POPULAR DE PUERTO RICO
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX During the last few months, I starting a process to sell my house to a short sale. 
I got the service of XXXX XXXX  in XXXX XXXX. 

We supposed to get an answer on XX/XX/2022. As today I don't have any phone calls for the bank to let me know the status. 


Following are the events that have occurred since the process started : XX/XX/XXXX, XXXX the Realtors sent the package to Loss Mitigation BPPR via email XX/XX/2022 an email was sent to Loss Mitigation asking for the status of this case XX/XX/2022 XXXX XXXX sent an email to loss Mitigation with some documents requested to me On XX/XX/2022 The professional in charge of the appraisal visited the property I never received the appraisal The Realtor have made many calls to Loss Mitigation and in all of this calls the answer has been that the investor is still analyzing the case I am very frustrated with this case. It has been almost four ( 4 ) months since we started the process and still no communication I need help, I dont want to lose my property

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
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 is missing that should be on the report

Complaint:
I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound

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 2019-03-05
Company: Experian Information Solutions Inc.
State: MA
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:
In XX/XX/XXXX I received an auto loan from XXXX XXXX XXXX. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by XXXX XXXX on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with XXXX XXXX XXXX, yet additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and XXXX XXXX is one of them. After looking into the payment history, I realized that XXXX XXXX has multiple 30, 60, 90 day late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with XXXX XXXX and that was in XX/XX/XXXX. I have tried to call XXXX directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.

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 2020-06-10
Company: Freedom Mortgage Company
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: Their investigation did not fix an error on your report

Complaint:
I discovered quite by accident by reviewing our credit reports that the credit score dropped from XXXX to XXXX or 78 points. The reason provided was that our mortgage company reported an increase in the balance owed of {$2000.00}. Of course I immediately contacted Freedom Mortgage ( this is a VA guaranteed loan ) who stated that they had made a mistake that our status should be in " Forbearance '' pursuant to the Cocid-19 Cares Act. Which in essence pauses everything for up to 180 days. They confirmed that they had my request in writing and was immediately making the change in their records. I asked them to rescind or correct the derogatory information that they provided to the credit bureaus. They said they would do so. It is now XX/XX/2020 and after at least three follow up calls I still have not received a requested confirming e-mail to that affect nor a correction of the credit reports. 

Simply stated we should be protected by the Cares Act while we are in Forbearance status. They can't change the terms of the note, trust deed etc. without having both parties agree in writing.

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 2021-12-09
Company: Experian Information Solutions 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:
Today I called experian in regards to a dispute that was open since XXXX. 
When speaking to an agent they said that I had to sent in a file a XXXX report in which i sent them already and after calling to verify they said it would take 30 days to investigate. After 30 days i call and they tell me i sent in the wrong form, in which i already verified with an agent after they recieved it prior. Trying to fix this issue i ask again which form do i need to move forward the agent advised me to complete the identity theft report form. In which i completed on the phone with her and uploaded online. I ask the agent to take a look at it and she verified it was the correct form. After another 30 days I called to check the status an agent said they couldn't move forward because i provided a false report form, in which i completed with an agent who also seen it as i uploaded it. After waiting on hold 30 minutes she ultimately said the form was correct and call back in 3 -5 days. After 7 days i called spoke to an agent and they told me my dispute results and the items came back as verified but they failed to investigate.A dispute usually takes 30 days however it was over the 30 days and the items that were disputed are still on my report. Once the dispute was over the items were still on there & Even after talking to several representatives about this issue they have yet to remove one rep hung up on my when i requested how these items were being verified they failed to tell me and said " they aren't able to disclose '' but how are you verifying this information is accurate on my report. The agent also said himself we dont investigate disputes only if the creditor verify it it remains. They are violating my rights as a consumer 15 usc code 16811i.

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 2015-07-27
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I would gladly pay this debt, if I could send a check to an address and be done with it. They want me to do a payment over the phone ... .never. 
Have this debt collector contact me thru the MAIL and I will pay the debt, WHETHER or not I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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 am a victim of identity theft, i submiited a dispute as I did not recognize this listing on my profile. 

XXXX has violated my rights 1681s-2 ( b ) 15usc 1681i ( a ) ( 1A ) 15 U.S. Code 1681i ( 2 ) ( A ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) This debt has been invalidated XXXX  mailed me 5 statements named " XXXX XXXX '' with a balance of {$650.00}. I don't know what this is? The balance is not the balance displayed on my credit report. The credit report says {$670.00}. Per the FCRA the report has to be 100 % accurate, not 99 %, not 80 %, not almost. This is fraudulent, If not removed I will report to Attorney general XXXX XXXX- Debt invalidated XXXX mailed me 5 statements, that were named " XXXX XXXX '' and the statements had a balance of {$650.00}?? I don't know what this is? The balance is not the same that is on my credit report. I am beyond confused??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hsbc informed me that they sent encrypted and password protected disks which included, which included all of my personal information of me and my co-signer XXXX XXXX XXXX to an unauthorized commercial third party. My identity has just been stolen and XXXX of dollars were withdrawn out of XXXX of my debit cards. i called and complained to Hsbc and all they do is put me on hold and never return. All their offering is a bogus identity guard protection after the fact. I attempted to apply for this guard abd its too complicated abd their requesting many documents to be sent to them in order to activate me its too complicated and time consuming. Can you help me i fear that i may lose every thing because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 belongs to someone else

Complaint:
I am a victim of identity theft and these accounts by law must be removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I went into XXXX  to make a purchase and I try to resolve with visa vanilla gift card. When I made the purchase I wanted to have a refund of {$75.00}. They are refusing to refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these 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 2019-12-13
Company: AmerAssist A/R Solutions, 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:
There is an unknown collections being reported to multiple credit bureaus from a company called AMERASSIST AR SOLUTIONS. I have not applied for any credit with this company or got any services from them. I believe this maybe a mixup or I may have been a victim of identity theft. I request to please have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Account information incorrect

Complaint:
I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, Last reported dates should be the same per bureau. TransUnion is showing a Last Reported date of XX/XX/2022, XXXX showing XX/XX/2022, and XXXX is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between TransUnion and XXXX / XXXX. High Credit Amount is different between XXXX and TransUnion / XXXX. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX  XXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for TransUnion, XXXX is showing XX/XX/2022, and XXXX is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.

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 2020-06-10
Company: JPMORGAN CHASE & CO.
State: MI
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:
On my chase amazon account, I was on autopay and had a representative call me in XXXX to set up the remainder of the payments. Fhey told me the last payment would be a partial payment in XXXX, so when the partial payment came out in XXXX, I assumed, based on the communication from the company, that the account was resolved. I had gone to stay with my elderly inlaws during covid as it was the anniversary of my husband, their son, death and wanted to make sure they were safe. A neighbor who was collecting mail told me a letter came from Chase and I tried to contact them, but because of the COVID shut down, I was not able to get hold of anyone at the time. When I returned home, I promptly called and paid the balance due in full. I spoke to multiple representatives and none of them were willing to take the delinquent reporting off of my credit statement, even though their own repepresentative had told me in XXXX that the partial payment in XXXX would take care of the full balance owed. At no time did any representatives from the company try to reach out to me, nor did I receive an email alerting me to the account status being to the contrary. I would like to request the late reporting on this account be removed due to their misinformation and not contacting me in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts/items. XXXX XXXX XXXX. Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. 

I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these 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