BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hi! I have a credit inquiry on my Transunion credit history from XX/XX/2020 from XXXX XXXX XXXX. 

I did not authorize this nor do I recognize this company at all. I called Transunion twice to ask for them to remove the fraudulent inquiry and both times they refused, saying it was the reporting companies responsibility. XXXX XXXX XXXX customer service was not helpful at all either. 

Please remove the fraudulent inquiry from my report as it isn't mine and I am not responsible for it.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2016-07-01
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 signed up with PNC Merchant Services on XXXX/XXXX/2014 for a simple merchant account ; an account with no monthly fees. I specifically told XXXX XXXX that I was not going to be processing credit card payments on a regular basics and did not want to pay a monthly fee. Now, almost two years later, PNC starts charging me {$19.00} fee per month. I contact them and they informed me they sent a letter to me XX/XX/XXXX ; I never received the letter and I told them. They assigned me a person XXXX XXXX, XXXX, to resolve the issue for me about the fee and about cancelling my merchant services account ; he did absolutely nothing - they are crooks. XXXX told me that I signed the contract and agreed to a fee, if I did not process {$60000.00} a year in credit cards and that I signed the contact stating, agreeing to keep the account for 3 years ; I was not aware of either of these things. These are key things that XXXX XXXX should have pointed out to me. I never would have agreed to processing {$60000.00} a year in credit card payments or to keeping the account 3 years. The figures XXXX put on my application for XXXX and XXXX amounts, I did not give them to her ; she put them there on her own. She is responsible for letting the customer know all these things but she did not tell me anything. PNC Merchant Services is a rip off and is designed to get customers sucked in for long periods, so they can make a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: IT'S TIME - CREDIT REPAIR LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I started fixing my credit on or about XX/XX/XXXX with Its Time Credit repair company and they assured me they would be there for me every step of the way and said they would guide me through getting my credit right, not only did they fail to follow up on appointments but they charge me XXXX twice a month once on the first and the other on or about the XXXX of the month. Ive seen little to no change with my credit improvement and none of the inquiries on my account. Ive asked about cancellation due to unsatisfactory service and they said I could not cancel due to us being in business for so long and it being past the 3 day mark or being able to cancel. Also they failed to correctly inform me on how the process would work and inform me of my rights

Company response to consumer: Untimely response
Consumer complaint received 2018-02-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Due to delays processing my refinancing, I overpaid by about ~ {$300.00}. I have contacted XXXX about this issue and have not gotten a response. I would like them to refund me the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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:
On XX/XX/2021 I sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Bank of America is continuing to harass me with phone calls for a credit card that actually has a negative credit balance on the card ( i.e., two payments were credited to the card, one made some time ago and another recently, so now effectively Bank of America owes me money ). On XXXX XXXX, 2015 at XXXX EST a representative of Bank of America called from XXXX, identified herself as " XXXX '' and wanted to discuss a recent complaint that I filed with the CFPB. I said " Fine ''. She then said that she wanted to record the conversation and I agreed, but when I stated to her that I would also like to record the conversation she declined. So apparently what 's good for Bank of America is n't good for their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX Hospital every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with 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 non-monetary relief
Consumer complaint received 2015-11-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
I went into a CheckSmart located at XXXX XXXX XXXX XXXX XXXX, Ohio to cash a check in XXXX 2015. The teller XXXX was in a huge hurry because she was scheduled to be off. She quickly called the number on the check to verify the check and funds and cashed it. Today XX/XX/2015 I am getting threatening phone calls from XXXX XXXX at Checksmart Corp telling me I know why he is calling me and he has plans for me to answer to the law, my life is over, huge threats he is making. I have no idea what is going on because he was too busy threatening me and telling me I already knew why he was calling. This is in no way how you conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credit control is dialing XXXX is on a daily basis looking for a XXXX XXXX. I don't know anyone by this name this person is using my phone number to escape from his debts. I received this phone number from XXXX XXXX XXXX in XXXX i had this number going on for 3 years now. I recently gotten calls the week of XX/XX/XXXX they are looking for this person XXXX XXXX. I don't know who they are a this is a debt collector for this person i asked them to stop calling but this company is calling me like 2 to 3 times a day and the last phone call of the day ends at XXXX XXXX. These people keep asking for XXXX XXXX. I have this feeling this man used my phone number to not be bothered with his debt he owes to these people. I talked to them in person over the phone and they said sorry that they will remove the number and now i am getting robocalls from these people. They keep calling from XXXX. I even asked them to stop calling or mail that person the information so they can call them but these people are not getting the memo. I don't know how they got my number but i am asking you to intervene to stop these people from calling my home number i don't know who they are looking for. 

The phone calls are for some man name XXXX XXXX and i don't know a XXXX XXXX. 
they are obviously are dialing and robo dialing a wrong number or this man is using a phony number to get out of any debts he owes i am being bothered 2 to 3 times a day and this stuff did not happen to me recently this number was never used by XXXX - XXXX they told me this is a unused and fresh and new number. So i would like for your help to stop the unwanted calls from these people this is a unknown person using my phone number. There is people out in this country that is very dishonest and they randomly use peoples numbers for services or what ever and when they slip into collections people like me are being bothered by these people and it is not right and unfair. 

I like to have a peaceful nite without keep answering a phone call that is not for me that someone used my number. I think that is ludicrest. 

This complaint is for unwanted calls, annoying calls, and a debt collector that is robo dialing someone that is not using this number. I think either they are not remembering there home number or using my number because they want someone else to deal with their unwanted calls.

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 2017-08-16
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to XXXX XXXX XX/XX/XXXXgraduate XXXX with a certificate in XXXX. I Have never worked in the field because the certificate is no good since XXXX is close. I tried doing right being a new mother at that time. Want to know if i can get my loan discharged for school closing and filing bankrupt in XXXX. Since im stuck with this loan and a certificate I cant use ... ... please help a single mother of XXXX ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
HI All, I have been trying to get in contact with the customer service team at MOHELA, which is a student loan provider. They are unattainable and their wait times are hours long. I have waited 3 + hours on the phone. No one responds and the line just suddenly cuts out. 
My complains are urgent. This is very frustrating, it has been days and I have not been able to get to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: MS
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 719XXXX 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 n 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 us 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I would really like to know whynavient did not discuss all the options I had to repay my loans. I am XXXX XXXX XXXX this year and my life is just about over. I survived XXXX and XXXX for 5 years and only to have this worry me. M doctor has warned me that the XXXX will bring a onset of XXXX which is not good. I survived XXXX for this. If they had told me this long ago instead offering all the deferments and forbearance my loan would have been 10 years paid on. Now as a XXXX survivor, I have XXXX loans, a lot of threatening email, more than I have got before and I have no options Why was this not discussed with me before. I need to know this. why di they not discuss this with me. why did they just ofer the forbearance and deferment when they called and never try to explain to me how this would affect me years down the road. I want to know why they never offered me any options to manage my loans and now they are making it look like it was my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: AR
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 XXXX. I did not say this was my account. But this was an automobile loan and Arkansas Statue of Limitation Law say it can only be on your account for 5 years. the Last payment was received XX/XX/XXXX. 

XX/XX/XXXX, I spoke with XXXX a representative for Experian. I informed him about Arkansas Law and their refusal to remove this information from the account. FCRA law from not state and they say it 7 years negative and positive 10 years. 

I read Appendix E to Part 1022Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies. I did not locate anything about status of limitations. 

I did locate this information information regarding Arkansas Laws : Contracts Written : 5 yrs. 16-56-111 ; Oral : 3 yrs. 16-56-105 Collection of Debt on Account 3 yrs. if not written or under seal 16-56-105 Judgments 10 yrs. 16-56-114 I am asking for your help with this matter. Experian is just trying to bet people to purchase their extra membership plan. I am trying to buy a home/car and this is affecting my ability to do so. I am planning on retiring and they are willfully hindering me. 

Experian had their system breech. The should provide free credit mornitoring. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AR 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 2016-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a customer for Wells Fargo customer for the second and final time. I have spent a total of 5 hours in the XXXX XXXX XXXX office trying to resolve my deceased fathers accounts. The manager XXXX XXXX was out on vacation today. Unfortunately, I was being helped by someone name XXXX. She was not familiar with the process. Between her and the legal department things went from bad to worst. She was trying to have a conversation with me and the legal department at the same time. She could n't seem to get my name right not once. I was given the wrong forms to fill out. After she notarized them she realized they were all wrong. Although the process was lengthy the first time XXXX XXXX, 2016, it was handled professionally. 
I could no longer continue business with such a unprofessional person ( XXXX ) so I left to deposit and cash a check for my personal account, on the teller side. Well things on that side was no better.. XXXX XXXX proceeded to tell me, very hostilely that it would be a {$10.00} fee for cashing a Wells Fargo cashier check and issuing another one minus XXXX. So, I stated I wanted to cash the entire check and take the cash. He then stated, " that was not possible. Wells Fargo requires a 3 day notice for cashing such a large amount ( XXXX ). I asked him to wave the fee ( as they always did ), he again stated very hostilely, I will wave it today, for the last time. I really do n't think I need to put up with such poor attitudes and lack of employee 's knowing banking policies. I did however receive excellent service from XXXX. What she did n't know, she kindly stated that and politely found out the correct information. I have never, never received such poor service from this particular branch. In the future if XXXX XXXX is out, another person besides XXXX need to cover as a Manager. Their are other qualified and professional staff members that can maintain excellent customer service. There was no one to greet the customers and I sat for XXXX min. before I reached out for someone for help. XXXX XXXX XXXX walked right by me and placed another customer before me. That is when I spoke up. I will not be returning to this branch. As soon as my check clear I will be closing my account at Wells Fargo for the last time.

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 2016-12-21
Company: WELLS FARGO & COMPANY
State: AK
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I wire transferred XXXX XXXX to a company in XXXX for their service, Wells Fargo charged me {$35.00} for their service, that 's ok but than they charged me an additional XXXX XXXX, claiming the recipient may receive less due to fees charged by the recipient 's bank and foreign taxes, How does Wells Fargo know? 
second now my customer receives only XXXX XXXX??, I consider that fraud, to make my customer happy I have to wire transfer XXXX XXXX, pay {$35.00} wire transfer fee to Wells Fargo and another XXXX XXXX, so where does this end? 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: AMERISAVE MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To : XXXX XXXX ( The House Appraiser ) & AmeriSave Corp ( lender ) RE : House Appraisal Reconsideration Pursuant to HUD, U.S Department of Housing and Urban Development Fair Housing Equal Opportunity ACT, Federal Trade Commission, it is unlawful to discriminate a house appraisal based on race, XXXX, religion, national origin, XXXX, familial status, and XXXX. 

Upon having an independent licensed Appraiser for the property on XXXX XXXX XXXX, XXXX CT XXXX on XX/XX/2022, the value of the property in question was found to be between $ XXXX - $ XXXX. Therefore the current market value for this property is $ XXXX and not $ XXXX. Legally speaking the difference between the two appraisals performed within 3 days apart is extremely enormous and is worthwhile to be reconsidered. Please reconsider. 

I sincerely ask that we resolve this issue amicably and in the most civilized form comfortable to both parties. This appeal for House appraisal reconsideration is only good until XX/XX/2022. If no action is taken or if there is no consensus ad idem ( meeting of the mind ), l will therefore assume that legal proceedings will be our only remedy. Please note : This is NOT a threat to anyone but only communicating my concern regarding my house appraisal dated XX/XX/2022. 

Thank you for your consideration in this endeavor. May God bless America.

Yours sincerely, ( Borrower )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation