BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX # *********** Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XXXX above account on XXXX report XXXX After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and XXXX deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX credit report above Late payment on XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
I submitted XXXX XXXX and XXXX XXXX though Experian to follow up my investigation above account but XXXX XXXX they response was asking supporting documentations. ( XXXX XXXX and XXXX XXXX letter attached your reference ) They failed to response with 30 days time period. Consider all facts and please helped me out to re-investigation and delete late payment XXXX account number ending XXXX Thanks XXXX XXXX XXXX XXXX

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 2022-06-18
Company: EQUIFAX, INC.
State: GA
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, 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 stated a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, 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 stated 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 2017-11-27
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Coinbase, a US-based financial services company specializing in crypto currency. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I traded in virtual currency. They arbitrarily froze my account, would not explain why ( I read the customer agreement meticulously and ca n't understand why ), and now will not allow me to withdraw my money. I have contacted their customer service department at least a dozen times, and they will not do anything except sequester my funds, which are stuck in limbo due to this account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

Santander Consumer USA, in the amount of {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously reported this company ( GC Services ) for calling my number to collect debt not ever owed by me. If you review my complaints, you will see GC Services reported previously. They put numbers in some type of abeyance, then add them to there database again. 
These crooks have not respect for the law and choose to keep perpetuating fraud by harassing innocent consumers. I want to bring legal action against them so they might understand not to call me anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: WLCC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have dealt with this company for quite some time over at least the last year or more. Their website clearly states that we have the right to pay off loans early with no penalties. I paid off two or three loans I had off early as per their website. However, when I took out this last loan, I believe I was penalized because of my great paying history and my ability to pay my loans off early. In the past, the very same loan amounts, I would pay around or near {$160.00} per paycheck. However, when I took this most recent loan amount out, my biweekly payment was {$410.00} per paycheck for nearly the same loan amount in which I was paying {$820.00} per month since XX/XX/XXXX. I just looked at my loan balance and it clearly shows my balance as {$410.00} but I am unable to obtain a payoff amount and the payment schedule shows that the loan does not pay off until XX/XX/XXXX. I emailed the company today, called twice in XX/XX/XXXX in which they decreased my payment amount from {$460.00} to {$300.00} per pay period. I also called in XXXX and was told there was nothing that they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Grandmother is XXXX and in assisted living. My father is her financial power of attorney and has access to her three bank accounts to handle her financial affairs and cover her living costs as she is no longer able to do so. All three of her accounts were with PNC Bank, two checking accounts and one savings account. She receives her monthly social security check to her savings account monthly. This monthly income is used for her assisted living expenses. PNC bank WITHOUT notice closed her savings account in XX/XX/2020. We had received her XX/XX/2020 statement and there was monthly activity, the most recent being on XX/XX/2020. We have tried to reach out to PNC and get an answer as to why her account was closed. We were unable to get through to a person that could give us a clear answer or help set up a new savings or help us connect her social security to one of her checking accounts so she may receive her monthly direct deposit. This is not the first issue we have had dealing with PNC bank. A few years ago we used their business banking for our family 's small business and due to their extreme lack of care for anything other than deducting monthly fees from our accounts we closed our business accounts and have tried to have minimal contact with them. I have contacted PNC through their XXXX page and again received zero assistance for their mistake regarding the closed savings account. Their XXXX  page is riddled with complaints from their customers and their responses show a severe lack of accountability. Personally I feel terrible for the employees that are forced to be on the front lines handling these customer complaints when it is the institution of PNC bank itself that is the problem. Their policies and practices show they only exist to charge over the top fees and use their customer 's money to invest in the stock market. They show such an extreme lack of regard for their customers and doing the right thing in general I'm shocked anyone would choose to use them for any type of banking needs. I was hesitant to file a complaint since in PNC 's view my grandmother 's account is chump change and probably not worth their time. However, my grandmother desperately needs her social security to meets her monthly expense needs and is unable to defend herself or navigate opening a new account. PNC needs to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Fifth Third Bank holds our mortgage. We refinanced several years ago and have paid our mortgage monthly, in a timely fashion. It is important to note that although we are given a grace period until the XXXX of every month to become current on our mortgage, this company would immediately start with robo calls on the XXXX or XXXX of every month. It was n't worth it to me, so I started paying my mortgage roughly on the first of every month. On XXXX XXXX, 2015 there was a change with my escrow account. I was not notified of this change in any form, so I made my regular payment in good faith. XXXX came and went without a single courtesy call, or letter to inform me that the amount I had submitted was n't enough to satisfy the account. I made my XXXX XXXX payment, still unaware of the escrow shortage. On XXXX XXXX I received a letter stating that I had not paid enough to make the account current. I immediately called the number provided and was told of the escrow discrepancy. I paid the amount due XXXX {$100.00} XXXX and was assured that the account was not in danger. I then received a letter dated XXXX XXXX, 2015 stating that my " mortgage payment is now past due and the loan is in default ''. Fifth Third Bank had already gone ahead and reported this late payment to the credit bureau on XXXX XXXX as a 30 day late!!! My credit score has now dropped from XXXX to XXXX!!!!!!! To make matters worse, I received yet another phone call from another branch of Fifth Third Bank stating that I had also missed my XXXX XXXX payment. Not only had I paid my XXXX XXXX payment, but I had also submitted XXXX payments of {$100.00} in order to satisfy the XXXX XXXX shortage AND the XXXX XXXX shortage. When they looked into the matter, FTB apparently did not apply my payment to my mortgage, but counted it as an additional payment to the principal because the payment was paid on XXXX XXXX, 2015. I have tried several times to reach the 3 people at Fifth Third who have vowed to help me, but no one answers their phone. I am still receiving daily notices that my mortgage is in default even though I have not missed a single payment, and I have satisfied the 2 additional escrow shortages. 

To add insult to injury, I was notified by XXXX XXXX that the terms of my Business Platinum account had changed. This is my business account that I run XXXX dollars through every year! My business grosses over 2 Million Dollars of business a year and we heavily rely on our credit to finance equipment, extend lines of credit and other needs. Thus the " trickle down '' of this credit nightmare begins! HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Avant Credit Corporation
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
They required unreasonable documentation in order to change the checking account that my payment is drafted on. You must call in to customer service and are required to submit a copy of a bank statement and voided check. Documents must be faxed or emailed. 

This is unreasonable in that most financial institutions allow for these changes to be made online or over the phone without having to submit " proof '' of account ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: STEWARD FINANCIAL SERVICES LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
see attachments U.S. Constitution - Article 1 Section 10 Article 1 - The Legislative Branch Section 10 - Powers Prohibited of States No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. <P/>I am under the impression that not only is the contract null and void because it is missing signatures from other parties. But on the grounds that the bank never provided full disclosure. I was never told that the loan is to be paid for by the stock exchange and or other entities with my signature I was not loaned or given any silver, gold, coins or oil so I ask you. What was loaned and to whom was it loaned to? <P/>Just for the record what was the pay off?

Company response to consumer: Untimely response
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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 the following accounts account name and account number has violated my rights 15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/2022 XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 2016-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Credit card
Issue: Billing disputes

Complaint:
I used 5th 3rd bank 's credit card to charge a part of {$130.00} from XXXX XXXX but I called they right away not to order the part but they refused to refund me, when I ask the bank to dispute the charge they are not helping me not dispute the charge, I like to get the money back because I did not order the part and cancelled the part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I regularly send direct principal payments to my mortgage servicing company, Caliber Home Loans. I have been making additional payments for greater then 20 months. For 17 of 20 months the additional payment has been applied the day of or 1 day after to my account. In both XXXX and XX/XX/XXXX ( and another month in XXXX XXXX the mortgage servicing company has directed the funds to " unapplied funds '' line item ; in practice holding my money and not applying it as directed to the principal of my mortgage in a timely manner ; costing interest. 

I have contacted them on each occasions with different answers from agents on each successive time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Walwick, Inc
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX   1. ) XX/XX/2016 {$1300.00} XXXX 1. ) XX/XX/ {$1300.00} 2. ) XX/XX/2016 {$1300.00} I reached out to my insurance XXXX  and requested my coverage of that particular item, and they also informed me that it was paid in full. And I sent the documents to all 3 bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-14
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, ERC, XXXX XXXX XXXX   please follow the law. Attached is now the 5th police report signed an authorized by the XXXX XXXX XXXX police department. I have filed and submitted 2 XXXX FTC notarized affidavit with no resolution from XXXX to remove the reporting. Since you are verifying debts that are due to fraud which is a violation under law. Here is the police report uploaded outlining the fraudulent accounts and information. Immediate deletion from my credit reports would be appreciated. I have done everything instructed from the police department yet Im having to go through hoops with debt collectors and creditors and credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: TX
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 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 2020-01-14
Company: EQUIFAX, INC.
State: FL
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:
It's not my inquiries, i never applied for this companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It's not my inquiries, i never applied for this companies.

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 2019-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Fraudulent inquiry occurred on XX/XX/2018 by XXXX XXXX XXXX. This inquiry should be moved 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 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XXXX, I got a {$2000.00} loan from XXXX XXXX online.I paid for nearly a year, and after they automatically with drew a payment from my checking account, by mistake ( I'd switched to paper payments ) .they swore they didn't then tried to make me pay another payment! I filed for bankruptcy in XXXX, due to ANOTHER crooked outfit, a collection agency out of XXXX XXXX , Nevada , claiming I owed {$300.00} for magazines, that I didn't receive one issue from, nor one statement from! ), and quit paying them. I eventually couldn't file bankruptcy, and had a the lawyer that was supposed to have started the bankruptcy, try to get the creditors to settle a smaller amount for me.They didn't comply, thought.This past month, my credit score plunged 60 some points, due to them pushing late payments and an increase in the amount I owed! I am devastated, as I was getting ready to get a loan and pay up the bills left off from the attempted bankruptcy in XXXX.They never called me, sent me one statement, seemingly wanting to make my credit worse!

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 2022-02-22
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have an account with PACIFICUNION with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX and XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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