BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: FL
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

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 2020-08-07
Company: AMERICAN EXPRESS COMPANY
State: RI
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:
This year, American Express, XXXX, and XXXX XXXX have all lowered my credit limits on accounts that are, and have always been in good standing. 
This creates a snowball effect, as my FICO scores drop to reflect an increase of debt to available credit, even though the amount of my debt has not increased.

The strategy behind this is clear. The lenders want to prevent me from flipping balances from one card over to another, to take advantage of reduced or XXXX percent interest rates. When my promotional rates expire, they go to 30 % or more, and any effort to open a new line of credit reduces my score even more. 
This is dirty business. Ive never been late on anything. I have told these creditors that if my interest rates skyrocket, I wont pay them back at all. They dont care : My FICO scores are already ruined because of this.

Corporate greed and stupidity.

FICO scoring and lending industry abuse of this system DIRECTLY CAUSED the financial crisis of 2008. I lost XXXX homes and life savings because of this. 
See my website, XXXX 
This business model is applied universally. The people it victimizes are rarely aware of the real reasons behind their credit problems.

FICO scoring is the SOLE PARAMETER by which an applicants credit worthiness can be evaluated or considered. Nobody reads credit reports anymore. This is a corporate screwjob, and creditors who engage in it dont deserve to be paid. Tell them to stuff it, along with their dirty business tricks. Dont sanction or tolerate legalized theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account on XXXX XXXX, 2022 with Citi Bank. I had a previous account with them and they transferred the funds from the old account to this new one ( account number XXXX ). I withdrew funds from the account by debit card on XXXX, XXXX, XXXX and XXXX with no problem. Today ( XXXX ) I went to the ATM and found out the account has been de-activated. I called them today and they say they are investigating fraud and the funds will be given to me after 30 to 60 days. They have locked any debits or credits to the account. When I called them today, they hung up on me. 
I need my money and don't think they should be able to hold my money. If they want to close the account, they should close it and give me the money in it immediately. 
I need your help to get my money. 
Please help me. This account has had no suspicious activity. The previous account I had with them did have some questionable foreign activity and they use that as reason for locking this new account. 
Please, please help me get my money. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX New Citi account number XXXX Citi routing number XXXX my telephone number XXXX XXXX my email account : 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 2022-01-26
Company: Exeter Finance Corp.
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:
I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed with no reason given to me. My account has {$2800.00} in it. 
They have not returned my money. They say I will get my money but refuse to give me a date this will happen. My car payment is past due and my rent is due and I am being threatened with eviction. This is why I need my money. 

Please 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 2017-06-09
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, On  XX/XX/XXXX  2017 I paid my minimum payment on my Target Store Card account. Then in an attempt to avoid interest on  XX/XX/XXXX 2017, I made a payment of {$120.00} to cover the remaining balance using a new checking account via Target 's website. I was unable to copy and paste my account number as Target 's website would not permit me to do so, but I was able to copy and paste my routing number. Today ( XX/XX/XXXX  2017 ) upon checking my bank account I noticed that the funds for my Target card were not withdrawn. So, I checked my target card and noticed there was a return payment fee of {$27.00}. I immediately called the number located on my Target card and was informed that my check had returned " unable to locate the account. '' I asked to have this fee waved and the representative refused. I then asked for a supervisor and was transferred only to be disconnected. I called back and spoke with  XXXX  who sounded helpful and she waved my interest fee as she said it was a mistake on Target 's part and I should not have been charged, but she could n't wave the return check fee. I asked for a supervisor and she transferred me to  XXXX  employee ID  XXXX . I explained the situation to  XXXX  and she also refused to wave the fee or transfer me to another supervisor ( she said no one would help me ). My check was NOT returned for insufficient funds. Target was probably not charged any fee for this returned check. I had previously made my minimum payment and was just making an extra payment to cover the statement balance. I believe that this fee is unjust and should not be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: WELLS FARGO & COMPANY
State: RI
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:
This year, XXXX XXXX, XXXX, and Wells Fargo have all lowered my credit limits on accounts that are, and have always been in good standing. 
This creates a snowball effect, as my FICO scores drop to reflect an increase of debt to available credit, even though the amount of my debt has not increased.

The strategy behind this is clear. The lenders want to prevent me from flipping balances from one card over to another, to take advantage of reduced or XXXX percent interest rates. When my promotional rates expire, they go to 30 % or more, and any effort to open a new line of credit reduces my score even more. 
This is dirty business. Ive never been late on anything. I have told these creditors that if my interest rates skyrocket, I wont pay them back at all. They dont care : My FICO scores are already ruined because of this.

Corporate greed and stupidity.

FICO scoring and lending industry abuse of this system DIRECTLY CAUSED the financial crisis of 2008. I lost XXXX homes and life savings because of this. 
See my website, XXXX. 
This business model is applied universally. The people it victimizes are rarely aware of the real reasons behind their credit problems.

FICO scoring is the SOLE PARAMETER by which an applicants credit worthiness can be evaluated or considered. Nobody reads credit reports anymore. This is a corporate screwjob, and creditors who engage in it dont deserve to be paid. Tell them to stuff it, along with their dirty business tricks. Dont sanction or tolerate legalized theft.

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 2022-01-26
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
" Input SSN is not issued by social security administration '' is on my credit report and I have a social from the Deferred Action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed an auto loan with UAC/CARHOP I filed a complaint with the BBB for inaccurate information being reported to the Credit bureaus. I was contacted by corporate saying it would report in 30-60 days. I was informed that upon the completion of the investigation due to filing XXXX disputes each time the information would reflect the update immediately. Each time the investigation showed no change. I paid the vehicle off XX/XX/XXXX. UAC is reporting that the account was closed as of XX/XX/XXXX and the last payment was made in XX/XX/XXXX. It is against the law to report inaccurate information. Payment history as well as paying a vehicle off affects you credit life tremendously, I reaffirmed this high interest loan in order to better my credit, and the inaccurate information affects my credit life a great deal. I have filed yet another dispute, and I have n't been provided with the correspondence between UAC/CARHOP. Only letters from the credit bureaus saying no change has been made following the disputes

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 2020-08-07
Company: Dovenmuehle Mortgage, Inc.
State: AZ
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:
Specialist id # XXXX Covid19 XXXXXXXXXXXX  XXXX XXXX I don't think I have ever received worse service and customer service from a company in my entire XXXX  years of life. 

After being approved for forbearance from XXXX/DovenMuehle Mortgage/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I met with my XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) a few years ago and had her pull up every delinquent account I had at that time on my credit report. We then made a loan with the credit union and paid off all my bad accounts. Now XXXX XXXX is showing XXXX delinquent accounts through Transunion. The creditor names say Collector. XXXX is for {$68.00} the other {$67.00}. I have no idea who these Collectors are? If they have a legitimate claim. Please send me the account info and contact info for the Collectors and I will pay them off. Thank you. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Other

Complaint:
I opened a dispute with Discover Card because I was over charged by XXXX Moving Truck company for gas along with an invalid late fee for car trailer return. I provided Discover with the receipt for filling the gas tank at the station across the street right before the return, along with the return information for the car trailer. After Discover did what they claimed was their " investigation, '' which was nothing more than obtaining a falsified document, which was signed by XXXX of XXXX 's employees, the dispute was ruled in XXXX 's favor. I then informed Discover that the signature on the document provided to them was not mine, I also pointed out that I was only obligated to fill the tank up to where it was when I received the truck, which was documented on my sign out invoice, but instead I filled the tank to full, Discover reopened the dispute. In the meantime I called XXXX in objection to their employee signing their name on the customer portion of the document that they sent to Discover, they agreed that it was inappropriate and looked into the matter further. When they got back to me, they apologized and said they would credit my account for {$150.00} which included the {$73.00} disputed amount, plus an extra amount for my inconvenience. I informed Discover of the outcome. After XXXX credited back my account and everything was settled, Discover still had my account notated as the dispute being resolved in XXXX 's favor and the charge as being valid. When I called to make them aware of this misinformation, I was told that there was nothing they could do about it because the information was pre-printed. I asked that it be manually overridden so it would be reflected on my account accurately. After going back and forth trying to get the information corrected, I called the executive office and spoke with XXXX XXXX, which also resulted in no correction on my account. This company 's inability to document correct information is unacceptable and this level of complacency, incompetence and mediocrity is appalling. My account needs to be documented correctly to reflect the correct information. The employees at this company just throwing their hands up and saying there 's nothing we can do because something is pre-printed is ridiculous and I would like my account corrected properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Repeated disputes through XXXX  credit bureaus, to no avail. Provided proof of residency at the time with FTC and police reports of identity theft. Debt still being verified as accurate

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has not let me get my credit report because I'm sure they have had fraudulent activity on my credit in which I have filed a claim against them and I need the copy of my credit report for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information 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: Public record information inaccurate

Complaint:
I have a collection that appears on my credit report that I have no knoweldge of nor have I ever been contacted about this previosuly. The reporting is by a company named XXXX XXXX XXXX in XXXX California. I have called to Experian and disputed the information. I also placed a call to XXXX XXXX XXXX on Monday the XX/XX/XXXX. I spoke with someone who transfered me to the voice mail of a XXXX which I left a message. Ny Thursday the XXXX I have not had my call returned.

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 2020-11-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today, Paypal took {$400.00} directly from my bank account by wire without my permission. 



I have attempted to contact them and ask why this was done but have not received a response. Yesterday, someone attempted to send me the same dollar amount and after realizing paypal locked my account, I asked them to issue him a refund through their dashboard ( The same money he sent was supposed to be sent back ). They are holding his money against his permission now, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I tried to open a bank account with Wells Fargo and then found out that I have several fraudulent accounts opened up under my name and social. I 've reach out to Wells Fargo to gain resolution and keep getting the run around. The accounts are a result of my identity being stolen.

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 2020-08-07
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: Their investigation did not fix an error on your report

Complaint:
I reached out to Experian several times letting them know that there was unauthorized inquiries on my credit XXXX in a XXXX XXXX Experian business credit I also have a theft report number 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 2020-08-07
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an increase in my interest-only HELOC. I was offered an increase after submitting the required paperwork and paying for the appraisal. I did not have a closing due to the pandemic. I was never told that PNC Bank had created a new loans and that the terms of the loan included the payment of principal and interest. I did not receive notice of the change until I received a statement that required principal and interest. 

The interest only loan is essential to my qualification for a loan to buy another home without having to sell my current home. I discussed this with PNC when I applied for my increase and was assured that it would not be a problem. The principal and interest loan causes my debt to income ratio to be too high to qualify for the home loan that I am hoping to close on in 45 days. That was the purpose I sought the increase in my HELOC. 

XXXX XXXX promised to research the issue and get back to me a week ago. I have left a number of unreturned calls. His supervisor promised to call me back but also failed to do so. A couple of weeks ago I was assigned complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive sent several letters to Caine Weiner regarding a fraudulent item they are reporting on my XXXX XXXX consumer report with no response from them. Caine Weiner # XXXX

Company response to consumer: Closed with explanation