BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: National Credit Care, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
National Credit Care had stated that they would be able to remove inaccurate items on my credit report. I must say with much disappointment I have seen Zero Results from they're services which I have paid faithfully for months on end to get an ending result of ZERO. I am asking for a full refund and I have already reported them to the FTC- Federal Trade Commission FTC Report Number XXXX. I have made numerous attempts to resolve this matter directly and kept getting different representatives who would transfer me numerous times in efforts to not address the refund issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: AZ
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 submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: OK
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:
In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX. Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Reliant Capital Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Individual from Reliant Capital solutions contacted me regarding a debt collection from XXXX XXXX University, to which I answered that it was wrong and that I was making payments through the XXXX XXXX University. The individual demanded me to pay the amount he was collecting or legal action would take place. In a very aggressive manner he told me that he was n't going to waste his time or my time if I was n't going to pay and that he will report me and ensure to report me to the credit bureau for not wanting to pay. I told him that it is a mistake and I will dispute it and he just hung up the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: STONEGATE MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I requested the name of the foreclosure attorney and a reinstatement quote. I took more than XXXX days to receive the reinstatement quote and I never received the name of the attorney. I faxed a XXXX page loss mitigation package on XX/XX/XXXX and I have a fax confirmation showing the transmission was successful. I called Stonegate on XX/XX/XXXX and was advised they never received the information and they have no obligation to search their records to locate the documents.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC of XXXX Ga ..XXXX ga have charged my account several times for over-draft fee's.. I have went into bank and signed papers for as my account shall never be over drawn ... they have taken thses fee 's off in the past.. now they have taken {$100.00} from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XX/XX/XXXX I was charged {$4000.00} in NSF and overdraft fees, at Chase Bank. 
Since XX/XX/XXXX it was a total of {$7000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

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 2016-12-16
Company: Credit Central Holdings, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The loan company employees continuously visit me at my work place even after I have set up payment agreement. They call my workplace as well constantly.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My son is a member, I have a Power of Attorney to access his account. 

2 years ago our son opened a USAA secured credit card. At the time, we were told by the rep if he makes 2 years on time payments, the deposit would be released and he would be issued an unsecured card. 

He just applied to graduate from secured to unsecured and he was denied. The adverse action form indicated he has a XXXX FICO score but that he was denied for having insufficient credit trade lines. The customer service rep did indicate he had a perfect payment record during the 2 years. 

This seems like a bate and switch. We would have never signed up for a secured card if there was any doubt USAA wouldnt hold up their end of the bargain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: GA
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 was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the XXXX District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX  XXXX XXXX, XXXX? XXXX and XXXX/XXXX  XXXX. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some 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 2021-07-12
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I XXXX XXXX have provided Freedom Mortgage my current address and over last 2 months they have continued to change my information that would include my legal mailing address and residence. I have my personal online account that they have continued to block or allow a co borrower to change my password and email address. 
This property is in a forbearance and loss mitigation I am expecting legal documents that pertain to this property that requires my review. 
This property has been defaulted prior to the forbearance and need to know status of accounts.

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 2016-09-29
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MY CLIENT AND I HAVE BEEN DILIGENTLY WORKING TO PROCESS A SHORT SALE WITH US BANK, AND HAVE HIT MULTIPLE ROAD BLOCKS, DUE TO US BANKS IN ABILITY TO REVIEW, COMMUNICATE IN A TIMELY FASHION. AS WELL AS DELIVER FALSE INFORMATION REGARDING OUR REVIEW. PLEASE SEE ATTACHED. I HAVE ALSO REACHED OUT TO FHA NATIONAL SERVICING CENTER FOR ASSISTANCE REGARDING THESE CIRCUMSTANCES, THAT ARE FORCING MY CLIENT INTO A FORECLOSURE/SHERIFF SALE.

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 2021-07-12
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a Pentagon Federal Credit Union Credit Card and Personal Loan in my name back in XX/XX/XXXX. I have contacted the credit union many times I have multiple police reports and FTC reports. 

XXXX has removed these 2 accounts but XXXX and XXXX have yet to

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 2016-09-21
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at PNC Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX ( XXXX IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at PNC Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at PNC Bank and his direct phone number was XXXX. This employee of PNC Bank acted negligently and PNC Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX, 2021 i called Bank of America to report a change of address for card XXXX XXXX XXXX XXXX. I unfortunately told them my husband had died. They said someone would call. No calls. When I tried to use the card I found it had been canceled. My XXXX membership was canceled also.. I tried to call number XXXX. I was on hold for 40 minutes. I did finally talk to a representative who gave me the XXXX XXXX number. I never was able to get through. On XX/XX/2021 I was on hold for 20 minutes with no answer. I believe i was on hold trying to find help over an hour. My credit score has been affected I am sure.

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 2020-08-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Citibank advertised cash rewards for opening new accounts. I deposited {$60000.00} dollars. According to the bank officer and paperwork I received I was to maintain such account balance for 60 days within 30 days of the completion of the requirements ( 90 days from the account opening ), I would receive {$700.00} cash bonus. Over 100 days has passed they have not deposited the cash bonus and they tell me now that I have to wait 90 days over the initial 60 days of account opening. I called Citibank corporate but they tell me this offer is by the specific branch and I need to complain to the bank. The bank managers XXXX and XXXX told me to file a complaint with the state or federal if I would like. The language in the brochure is not clear and deceptive. I will be happy to send all the documents for review. Please do not let this bank to deceive people. They must cease and desist this practice and upgrade their brochure to specifically note the exact date the bonus will be paid. 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 explanation
Consumer complaint received 2020-08-19
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The provided address of SCA Collections registered agent, is fictitious. A deputy tried to serve a summons on XX/XX/2020 and reported that the address does not exist.

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 2016-08-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This dispute comes regarding a letter dated XXXX XXXX, received on XXXX XXXX, XXXX, relative to past due account for the above referenced apartment. Pursuant to numerous telephone conversations with XXXX, XXXX and XXXX, in the Leasing Office, prior to submitting the 60 DAY NOTICE OF INTENT TO VACATE, all contractual obligations were fulfilled, according to discussions with the Leasing Office Staff, for vacating the apartment. The last conversation was in person on XXXX XXXX, XXXX, with XXXX who reviewed the obligations and confirmed the rent should be paid on XXXX XXXX, XXXX for the full monthly rental amount, and XXXX XXXX, XXXX in the amount of {$330.00} Also attached is a copy of the Move-Out-Key Return The apartment was left in exceptionally clean condition, pictures are available. 
I am certain this communication will clear the miscommunication.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: EQUIFAX, 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 sent letters out certified that there are inaccuracies on my credit report. I have a freeze on my XXXX XXXX and asked the Bankruptcy court to send me a letter of non 3rd party consumer reporting. I feel like the Credit bureaus are taking advantage of regular people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: D2 Management LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A PERSON NAMED XXXX CALLED ME FROM D2 MANAGEMENT STATING SHE WAS CALLING TO COLLECT A DEBT FROM XXXX XXXX OF AN AMOUNT OF {$340.00}, I STATED THAT THIS WAS NOT ME AND THAT I DONT HAVE A DEBT WITH THEM. SHE STATED THAT SHE CAN COLLECT THE AMOUNT OF {$200.00} NOW TO GET THIS OUT OF COLLECTIONS. I STATED THAT WHY WOULD I PAY YOU THAT AMOUNT IF IM NOT THE PERSON THAT OWES THE AMOUNT. SHE STATED THAT SOMEONE HAS MY SOCIAL SECURITY NUMBER AND OPENED AN ACCOUNT IN MY NAME. SHE THEN STATED MY WHOLE SOCIAL AND THEN I CONFIRMED THAT IS MY SOCIAL. I THEN LOOKED UP MY XXXX XXXX ACCOUNT AND I HAVE NO OWED PAYMENTS. SHE STATED THAT THIS IS ANOTHER ACCOUNT AND THAT I USED THE CARD THEN CLOSED THE CARD OUT. SHE THEN LOOKED UP THE ACCOUNT NUMBER AND STATED THERE IS 2 ACCOUNT, I STATED THAT IT WAS NOT ME. SHE STATED TO MAKE A POLICE REPORT AND THEN EMAIL THEM THE REPORT. THE EMAIL AND NUMBER THERY PROVIDED WAS XXXX AND THE EMAIL IS XXXX THEY ALSO CALLED ME FROM A LOCAL NUMBER THAT THE NUMBER THEY GAVE ME TO CALL BACK. I DID MAKE A POLICE REPORT. THE POLICE DID STATE THE NUMBER THEY CALLED ME FROM IS A FRAUD ALERT NUMBER THE NUMBER IS XXXX AND ALSO THE EMAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: AZ
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:
21 UNAUTHORIZED INQUIRIES ON MY EQUIFAX CREDIT REPORT : XXXX XXXX XXXX XX/XX/1970 ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account was reported as delinquent on XX/XX/16 even though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.

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 2021-07-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I purchased keratin bond hair extensions online from a website called " XXXX XXXX '' for {$840.00}. I received the hair extensions and had them installed by my hair stylist. The extensions felt rigid and hard in my hair and I asked for the extensions to be removed. When my hair stylist sprayed the bonds with the solutions provided, the bonds went from being clear to a milky, white paste and had a glue-like consistency. The process of removing the keratin bonds was extremely painful. I purchased these hair extensions because they were marketed as keratin bonded, which should be an all natural hair protein and it clearly was not. I contacted Chase on Monday, XX/XX/2021 and was told since the product had been utilized they could not file a dispute. I do not see how that provides the consumer any protection as the goods I purchased were not as advertised. I would like a full refund and I would be more than happy to send the remainder of the hair extensions back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: OH
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 account was reported as delinquent onXX/XX/XXXXeven though it was not. I was enrolled in their hardship program. 

The account is still showing as past due as well, even though I completed the hardship program and made my final payment.

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