BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-17
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This is in regards to  PNC 's     XXXX   XXXX   c redit card. I had their card and received a promotional balance transfer for 12 months interest free with paying a percentage service fee, so I did a {$5000.00} balance transfer in  XXXX  of  XXXX . I paid more than my minimum, usually {$750.00} per month, yet in  XXXX  of  XXXX  they started charging me interest. I did n't notice it till my  XX/XX/XXXX statement ( that they added interest as well  ).  On  XX/XX/XXXX , I contacted their customer service department and spoke with MR.  XXXX   XXXX . He explained to me that my previous balance ( before the  XX/XX/XXXX  balance transfe r )  interest free period had expired in  XX/XX/XXXX and that was why I was being charged interest. I pointed out to him the large payments I had been making and how it should have covered that balance. He started talking about how they apportion payments, with the highest interest charged purchases being apportioned last. During the conversation at least 3 times I asked for him to send me an itemized account of how they apportioned my payments since the  XX/XX/XXXX  balance transfer, he agreed to do so and said documentation was being sent. He also told me that if my next payment I made was approximately {$1600.00} and change ( I do n't recall the exact amount ) that I would no longer incur interest so I made a payment of {$1800.00}, and yet on my next statement they have charged me interest. They have set this up in such a way that the credit card holder is not only being charged a transfer fee for a balance transfer but is also being charged interest on your card even though they claim it 's a 12 month interest free period if you pay it off at the end of those 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In    XX/XX/XXXX  Equifax and  XXXX  placed a collection item on my credit report that is not my account. I filed a complaint with both companies and the item was removed in  XX/XX/XXXX  by both companies. The item was then again placed on my account in XX/XX/XXXX  without my being informed as required by law.
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I once again disputed this item and XX/XX/XXXX removed it but although I have filed two disputes with Equifax, the last being  XX/XX/XXXX , they have NEVER responded. My credit rating has dropped from   XXXX   to   XXXX  !!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CL Holdings LLC
State: MI
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:
In XX/XX/2018, we were contacted by XXXX XXXX XXXX XXXX XXXX about a debt of {$150.00} to XXXX XXXX. We explained to them that it was not our debt. After a discussion with an extremely unpleasant gentleman, it was made evident that my son ( with the same name as mine ) was responsible for the debt. The gentleman demanded that I give him all my son 's personal information. I could not, for two reasons : 1 ) My son and I have been estranged for several years ; I did not have the information. 2 ) This company fosters and nurtures all that is evil and disrespectful. I have never witnessed such contempt, harassment and threats against me and my credit as I did from this company. Because I couldn't give him the information, he put it on my credit report as my debt, with the full understanding that it wasn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Purchased BEST BUY CREDIT CARD XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I purchase {$14000.00} of entertainment equipment from Best Buy XXXX XX/XX/XXXX using my new Best Buy credit card ( Citibank ) XXXX At the time, the salesperson indicated that there would be deferred interest for 36 months. Best Buy puts a small digital screen in front of you with pages after pages of legal languages you must sign to get through the transaction. First off, the font is so small a reasonable person couldn't read it. Second, I am not an attorney. It is meant to confuse the average consumer. I set my bill pay to pay it off early with a $ XXXX payment. 

Just yesterday, I was helping my father with a purchase at Best Buy. I asked if they offered a XXXX or XXXX deferred payment option. The salesperson indicated that only XXXX were available. I thought to check the status of my Best Buy credit card. 

I was shocked to find that it had been set up with only 24 months of deferred interest. As of XX/XX/XXXX, I only owed {$2200.00} -- given my payment schedule, I would have paid it in full in roughly 5 months. The following month, {$6100.00} was added in interest bringing the total amount owed to {$7900.00}. This results from an absorbent credit card interest rate of 25.24 %. This is way out of alignment with my risk profile, as my XXXX score at the time was XXXX. 

I believe that the Best Buy credit card has defrauded in XXXX ways : putting a contract in front of me that was not reasonably visible, within the credit card monthly statement burrying a notice on the second page in a small font to notify me of the looming lump of interest, and charging a usurious interest rate that does not match my credit risk. 

I contacted the Best Buy credit card today to seek a resolution. They indicated that it was an issue with the salesperson at Best Buy and I should seek a remedy with the store. The Best Buy credit card as a matter of goodwill credited my roughly a {$100.00} to the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient calls 2 to 5 times a day. 1 time is sufficient. Sometimes it's from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts, debts and credit inquiry listed on my Experian and XXXX XXXX credit report is all fraudulent, unauthorized and not my accounts, debts or credit inquiry : XXXX XXXX XXXX  XXXX, {$62.00}, XXXX XXXX XXXX, XXXX, {$14000.00}, XXXX XXXX XXXX, XXXX, {$16000.00}, XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX  XXXX, {$30000.00} and XXXX XXXX XXXX, {$500.00}. The following credit inquiry listed on my Experian and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020

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 2017-06-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Started process to refinance my home due to my husband taking a job at XXXX ( better future & benefits ) less pay. Had Good credit rating ( XXXX ) & good amount of equity in my home having lived there for 10 years. Chose to work with Cardinal Financial on XXXX XXXX, XXXX XXXX Loan Originator had purposed XXXX cash out option and an interest rate of 3.875. That sounded like the best option for me to consolidate some bills & some light home improvements .We proceeded with the process and were on schedule to close in XXXX I had discussions with my current mortgage company that I would not be paying XXXX mortgage payment due to closing the refinance in XXXX. We were on schedule to close XXXX XXXX with a notary scheduled to come to my house to sign all of the paperwork. The documents came to me electronically on XXXX XXXX and they were not accurate. Cardinal had made errors, the cash out option that they purposed was around 6,000-7,000 ( instead of XXXX ) & I had a discount that was supposed to have been applied for XXXX that was not applied. That was around 7,000.00 in errors on their part that needed to be corrected. They did finally get the documents corrected and should have advised that I make XXXX mortgage payment since they are the professional and I did not know. The notary came to my house on XXXX XXXX ( not XXXX XXXX as originally scheduled ) ) & we signed and notarized all of the documents .We Closed the deal ( So I thought ). I got a call from XXXX XXXX Loan Processor on XXXX the XXXX saying due to the XXXX house payment not being made they could not continue the contract. I was devastated all that time and effort down the drain, little did I know this was the beginning of disastrous consequences to my CREDIT. My credit score went from XXXX to XXXX ( checked XXXX ) so I can no longer refinance with any company. I tried to get a home equity line of credit with my mortgage company & my personal bank All rejected due to the refinance attempt that ended badly. This horrible nightmare has caused me thousands of dollars, a large amount of grief and numerous sleepless nights. I gave Cardinal an opportunity to make this right as it was their errors that caused the delay. They declined. I have spoken with professionals in the matter and am taking steps to fix a terrible injustice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: OneMain Finance Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contact XXXX XXXX to dispute one main off my credit report. because they're reporting that I made a payment in 2020 and I haven't made a payment on this account when I contact XXXX XXXX there no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Social Finance, Inc.
State: TN
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:
I am writing an update to complaint # XXXX against XXXX and complaint # XXXX against SoFi. On XX/XX/2022, I contacted XXXX to find out why I have hard credit inquiries on my credit report, request a dispute, and start the error resolution process. XXXX insisted I had to contact SoFi to resolve it. XXXX refused to do anything but claim they would start a fraud alert. XXXX did not provide any documentation of the fraud alert. Since I should not have any accounts with SoFi, I felt reluctant to give up my personal information. I contacted SoFi to try to find out why they abused my financial information & placed hard inquiries on my credit report. Staff were able to identify some erroneous account information & claimed that SoFi would perform a fraud investigation and/or fraud review. On XX/XX/2022, I returned to my flat & saw envelopes from SoFi in my mailbox. I opened to see an actual credit card that erroneously claims I am a member since 2022. I had another envelope containing a pin # for the credit card. Since I already called SoFi on XX/XX/2022, & have not received anything documenting the reported fraud, I am submitting this regulatory complaint so that SoFi can understand that it is a serious violation to initiate a brand new line of credit and credit card through abusing an individual 's financial information. Please let me know what you find out from SoFi. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have a hard inquiry on my account from XXXX. I never used XXXX and never agreed to checking my credit from XXXX on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient XXXX {$6400.00} Navient XXXX {$5100.00} Navient XXXX {$10000.00} Navient XXXX {$9700.00} Currently this is with an attorney. Navient never worked with me to adjust amount or consolidate my loans. I have other loans and they have all worked with me to make paying affordable, not Navient. They lied, called to collect at every hour day and/or night. These loans are old going back several years. I am just so frustrated that I had to hire an attorney to mediate, it's costing more then the original loan. 
Attorney : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: DriveTime
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:
Hey so theres like XXXX unauthorized and unknown inquiries on my credit. I dont know who is inquiring about things on my credit but I am not doing any of these. I have my car note, my Open carry weapon loan, my XXXX credit cards and self. Thats it. So all of the other stuff? Im very confused as to where it came from and I believe its fraud

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 2017-06-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated XXXX XXXX in XX/XX/XXXX, before the public service loan forgiveness program existed. When the program was created, I contacted XXXX XXXX by phone and asked about whether I would qualify for the loan forgiveness program. I was told yes. A few years later, when I was having a hard time making payments on a public service salary I again contacted them to try and problem solve my situation and was again told I would qualify for public service loan forgiveness. Neither time was I told I needed to refinance through the XXXX XXXX XXXX XXXX in order to qualify for public service loan forgiveness. In late XX/XX/XXXX I found out through a company that charges to assist with consolidation that I would need to refinance in order to qualify for public service student loan forgiveness. I confirmed through my own internet research that was true, and consolidated with the XXXX XXXX XXXX in late XX/XX/XXXX. After I consolidated I learned that none of my per-consolidation public service could count towards my forgiveness timeline. I have had the same public service job since XX/XX/XXXX. Because I could not afford to make my loan payments and cover a XXXX co-pay, car repairs, or my divorce, I had to put loans in forbearance during the time XXXX XXXX was my loan servicer. My loan debt has gone up {$30000.00} in the time I have been paying on it because at this time my income based repayment does n't even cover the monthly interest amount. If I had received the correct information about the qualifying requirements for the public service loan forgiveness program I would have refinanced back inXX/XX/XXXX. I could have several more years towards my public service forgiveness. The frustration I have felt through this process can not be expressed in words, or if it can, it is beyond my ability. I have had to use credit cards and loans to cover financial gaps because my loan debt is such a burden, and then to discover that I can not get credit even for the years of public service I have already worked was horrible news. I took the steps I believed I needed to in order to verify my qualifications for the public service loan forgiveness program, and was assured I qualified. Then I found out I did not, and there was nothing to do but refinance and start my service clock from that date. If there is anyway I can provide information for the lawsuit, please let me know. As to the dates and times of my phone calls with XXXX XXXX staff, that would have to be subpoeaned because it was so long ago I do not have records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am still receiving bank statements concerning my fraudulent XXXX Account even after sending in my cease and desist to order them to delete the following account in dispute. I want to cease collection activity on this account through all mediums and forms of communications including consumer reporting agencies and delete this account because they have not sent validation pursuant to 15 USC 1692g. They are saying I signed a contract however, have sent me no proof of said wet signature nor original contract with my wet signature on it. Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Even if this was an account I claimed to be mine, this account should be an open end consumer credit plan, see 15 USC 1602 ( j ). Nonetheless, this is a violation of my consumer and privacy 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 2021-10-27
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX, 2020 XXXX-Date of Inquiry XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX  XXXX XXXX XXXX two times on 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 2021-05-11
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I asked for amerihome mortgage to please stop calling me and to place my number on the dnc list. On XX/XX/XXXX they called my number again after I requested a dnc so the prior individual did not record the dnc which is a violation of my rights.

Company response to consumer: Closed with explanation