BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with US Bank and my wife and applied for a mortgage assistance plan since we experienced a financial harship due to COVID. The bank placed us on a trial plan where we needed to make three payments to them to show that we could be reliable. We made all three payments and when I called and made the third payment on XX/XX/XXXX they stated that they would be sending out final paperwork for my wife and I to sign and return to them. The representative did not mention anything about a pending additional request for information. I frequently logged on to our account online to check the online portal for the final documents as well as checking my mail every day. After not receiving anything from the bank I called on XX/XX/XXXX to find out if they had sent the documents. I was informed our application had been terminated due to requested documents not being returned. After spending an hour and a half on the phone speaking with three representatives and a Manger I found out it was a request about our HOA that I had not received in the mail or through the online document portal that had caused our application to be terminated and not the final paperwork. I begged and pleaded that they reopen the request and please let me know what information they needed and I would get it to them as soon as possible but they said they could not help me and that I would have to reapply and start the entire stressful process over again.

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 2020-06-22
Company: AMERICAN EXPRESS COMPANY
State: TN
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:
XXXX charged my American Express card {$2200.00} on XXXX XXXX and did not provide the service. It was a hotel stay at XXXX XXXX in XXXX XXXX, FL I booked the hotel through XXXX   for a stay XXXX XXXX. I heard through a news report that XXXX was taking money and when people arrived at their hotel, there was no room because of no payment. So I called XXXX to discuss my reservation. They put me on hold and hung up on me 3 times. 
Then I called American Express for help XX/XX/XXXX. They assured me Not to worry. However, I still emailed Customer service with XXXX to tell them of the action I was taking through American Express. No response from XXXX. 
AmEx Gave a provisional credit. Then a month ago re-charged my card. I filed another investigation with AmEx, giving them even more evidence of XXXX scam. XX/XX/XXXX AmEx tells me they need more time for the investigation ( 6-8 more weeks ), yet the charge is there and Im paying interest on it. 
I am Worried AmEx is holding out so I will give up. Ive been a member of AmEx 23 years. They are known as the travel card, however I feel other people with different card companies are getting their money credited back. Im a member of a XXXX group called scammed by XXXX, so far on that group page AmEx has refunded no one. 
I also called XXXX XXXX to see how my reservation was listed. She said it was listed as a cancellation by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NC
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:
Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent Equifax breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: WELLS FARGO & COMPANY
State: MI
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 really Try reaching out to the company and the credit bureaus to help me with this situation and I had no luck.

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 2022-06-13
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Credit Card... When I paid the credit card account with XXXX XXXX. The representative that I spoke said that she/ XXXX XXXX would send me a paid in full deletion letter.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Credit Card... When I paid the credit card account with XXXX XXXX. The representative that I spoke said that she/ XXXX XXXX would send me a paid in full deletion letter.

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 2017-08-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked XXXX, XXXX, and Equifax for proof that this debt belongs to me. I received an XXXX credit report that lists XXXX XXXX XXXX GA XXXX with a zip code of XXXX. I have contacted the XXXX XXXX XXXX and asked them to provide me with verification of this debt belonging to me, they were unable to provide me with any information. I then visited the website and attempted to pull up the case # on my credit report and could not locate anything. I have uploaded the address to the XXXX XXXX XXXX, which has a different zip code than what is listed on my credit report. Please HELP ME!!! My son has XXXX and I am trying to get him into a facility that he can reside in, and this XXXX is hindering me from getting approved. PLEASE ask for verification of this debt belonging to me or remove it from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
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:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX XXXX XXXXF XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2015, I purchased a used XXXX XXXX  and financed the purchase via a loan from Credit Acceptance Corporation. Upon review on the loan terms, I noted that the interest rate charged by Credit Acceptance Corporation is above the usury rate for Texas, the state I purchased the vehicle in, originated the loan in, and in which I currently reside. 

I contacted Credit Acceptance Corporation about this issue ; however, they refuse to acknowledge the fraudulent loan or make any effort to resolve the situation. 

I believe Credit Acceptance Corporation and its agents have discriminated against me on the basis of race, country of origin / nationality, sexual orientation, age, and gender. Furthermore, I believe Credit Acceptance Corporation is structuring its loans in a way that constitutes unfair, deceptive, or abusive acts or practices, as the loans interest is above my state 's usury rate and is charged as an up-front fee, and therefore prepaying the loan does not result in a reduction of total interest charged. Also, Credit Acceptance Corporation violated the laws of the State of Texas by issuing this loan.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

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 2022-06-13
Company: JPMORGAN CHASE & CO.
State: IL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a complaint going on through the CFPB and the problem had not been solved yet by my payment due date ( XX/XX/XXXX ). So I called Navient on XX/XX/XXXX. This was the earliest I could call because they are closed on the weekends. When I spoke to the Navient associate, I explained to them that I did n't want to be late or charged a late fee with my complaint going on. She said she could take care of all my issues. She said that she would get me on a no interest plan for 12 months, but that it would not get completed until XX/XX/XXXX. So she was going to put me on a forbearance for 30 days so this payment would not be late. Attached is the email I received stating that my forbearance was approved and that it was not due until XX/XX/XXXX. On  XX/XX/XXXX, I received another email stating that my payment was late. I called Navient on XX/XX/XXXX to get this problem fixed. They told me that they see the email was sent to me but the forbearance was not actually put through. This shows how they openly lied to me and did n't fix any of my problems. I was also told on XX/XX/XXXX that I would not have a problem getting on the no interest plan but I was informed through my CFPB account that Navient said I had already been on it and could not be on it again. While I was on the phone on XX/XX/XXXX, I asked the Navient associate when I was on that plan and they were  not able to give me any information on it. They were finally able to get me on a rate reduction plan, but I still had a.lot of issues doing it. I was lied to multiple times. The phone calls are also recorded to prove it even more than my emails. I was unable to pay many XX/XX/XXXX bills, and I am still behind on my XX/XX/XXXX bills because I had used the money I thought I had to get my car fixed, but I was then forced to make a payment in XX/XX/XXXX because they had messed up, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose

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 2022-06-13
Company: PCR Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern Under XXXX XXXX XXXX XXXX Permissible purpose of consumer reports ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX Never gave XXXX, XXXX, or XXXX Any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning Account Listed below as a consumer. I am demanding deletion of these accounts. 

ACCOUNT ADJUSTMENT BUR account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: NAVY FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
Navy Federal Credit Union Credit Card... When I paid the credit card account with Navy Federal. The representative that I spoke said that she/ Navy Federal would send me a paid in full deletion letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2019-10-21
Company: PNC Bank N.A.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased the vehicle back in XX/XX/XXXX with PNC Bank financing sourced directly through the dealership. I never received an electronic log in or any paper or electronic statements when creating the car note. After making payments on time/early in person or over the phone for ~ 2.5 years, the rep on the phone gave me a one time pin to set up electronic payments to which I set up into the future over 12 months. 

Subsequently, I purchased a home in XX/XX/XXXX and have been dealing with a large renovation that has displaced me and my family. We have been staying with relatives for the past 6 months. Over the summer, my automatic payments ended as there was no option to set them up indefinitely. I did not notice that the car payments had stopped coming out as I had been occupied with other things like payments going to contractors and they had been automatic for such a long period of time at that point. 

The last payment ( confirmed this afterward ) was XX/XX/XXXX and I received no phone calls, physical or electronic statements, email notifications or any other attempts to notify me that payment was late or due until on XX/XX/XXXX when I received an alert from XXXX XXXX telling me I had a new 30-day late mark. 

I had no idea and immediately went down to my local branch and brought the vehicle loan current in full. While there, the branch manager noted that whoever set up my PNC Bank account did not enter in the correct phone number. She also noted that they had received a notification of change of address from the USPS ( I used there mail forwarding service ). I told her that I had not received any communication from the bank during this time and to this date, XX/XX/XXXX, I have never received a monthly statement showing me the balance of my auto loan. 

I asked the bank if they would remove the 30-day late mark as no attempt was made to contact me to notify me of a past due balance as well as no statement or evidence was provided to me alerting me that I wasn't paying them. They told me I would have to file a complaint and that they would not remove the mark. 

I also wanted to note that during the time of non-payment, even though I received no communications about the standing of my account, I received emails and physical mail from them asking me to open a HELOC or apply for a credit card. This is evidence that the bank did have a way to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Genesis FS Card Services, Inc.
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation