BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX. Refinanced our conventional mortgage with XXXX XXXX in XX/XX/XXXX XXXX. PNC purchased/received our loan to service XX/XX/XXXX XXXX. We contacted PNC to remove our XXXX payments early XXXX because our XXXX has dropped below 78 % and followed up multiple times through late XXXX. We even sent {$150.00} check ( at the direction of XXXX of their loan officers ) to pay for XXXX. The check was returned to us. 

We communicated with multiple bank officers. We are XXXX  and have conducted XXXX 's ourselves and there should be no problem proving the value of our home is close to 65 % of our existing XXXX. We are willing to follow any procedures they have to process the removal of the PMI. 

What PNC is saying is that when we XXXX XXXX with XXXXXXXX XXXX they put a 2 year restriction that XXXX could not be dropped in that time. We contacted XXXX XXXX and they have no such policy and there is nothing in the XXXX docs we signed with them. 

PNC has maintained all this time that there is a time restriction preventing the removal of our XXXX. They have failed to provide any documentation to this. 

We have never been late on any payments. We have maintained any and all required escrow items. We have excellent credit and payment histories on all credit accounts. 

I also believe this restriction goes against the law in place that requires a lender to remove XXXX when the XXXX drops below 78 % of the value of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: NC
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:
I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also XXXX  is reporting inaccurate information going by the newest lawsuit against them I am considering seeking a legal attorney on this matter because I am being treated unfairly as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The federal Stafford loan was approved for XXXX XXXX on XXXX. I met the 3-year period of monitoring for continued XXXX on XXXX. As of this date ( XX/XX/XXXX ), the loan was no longer subject to any further monitoring by the U.S. Department of Education or its loan servicer, XXXX. On XXXX, the loans status was officially DISCHARGED and from this date the loan was to be reported as discharged as a final conclusion on the status of the loan. 

TransUnion refused ( and still refuses ) to report the loan as DISCHARGED and reports the loan as a consumer dispute. All of the other credit reporting agencies removed the loan from their respective credit reports. 

TransUnion continues to post a disconnected phone number as a contact number for me. The phone number XXXX was de-activated from my name on XXXX. This number can not be re-activated in my name. It is a permanent disconnected phone number for my name. 

TransUnion recently posted a name that is not legal for me to use. The last name XXXX was changed by court order signed by a circuit judge on XX/XX/XXXX. It is not legal for me to use the name XXXX in any way or combination or as part of my legal name on any documents or 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 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX account 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account # XXXX Account was sold to collections agency unauthorized to do business in my state account was open and currently is. ( XXXX XXXX Nevada )

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 2022-11-03
Company: The CBE Group, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sometime around XX/XX/XXXX I received a call from CBE group requesting identifying information from me. I asked the woman who was a representative working for CBE group that I was in a communal office setting at work, and I was not going to provide that information until I was in a secure area. I requested she please call me again at a time I knew I would be able to share this identifying information. Specifically, after XXXX on any week day. 

Between XX/XX/XXXX and XXXX XXXX I received over a dozen phone calls on M-F between the hours of XXXX and XXXX, and received XXXX calls after XXXX. I was unable to answer any of the calls as I was at work and not able to answer my phone. 

On XX/XX/XXXX I received a call at XXXX, which I was able to answer, but not provide any information ( as specified prior ). I asked the gentleman from CBE group to read me any notes on my account. He said there was one note to not contact me until after XXXX on weekdays. I explained that I had received over a dozen calls in the last 2 week during work hours and requested he call me again that afternoon. He said " I can have you marked as do not contact, is that okay? '' to which I explicitly told him " No '' and explained that was not what I was asking, and I would be more than willing to receive any calls after XXXX on weekdays. 

I was then never contact again and CBE group placed a major derogatory on my credit report. When I called CBE group and spoke to a representative, they informed me I had been marked as " Do not Contact ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account and the agency has been unable to send me the documents I have requested I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Affirm Holdings, Inc
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello, Im writing to you to explain this jumble of screenshots. On XXXX XXXX I ordered an XXXX XXXX from XXXX XXXX XXXX. A third-party seller through XXXX. I paid with Affirm. On XX/XX/XXXX, I got notification that the package had been delivered. It said no signature required and there was no picture or other proof of delivery. I went down immediately to get my package and it was not there. 
Since then I have filed three A-to-Z claims with XXXX and when denied every single time, I disputed it to the highest power I could and spoke with customer service multiple times. But again it was denied. XXXX said they could not help me because it was with a third-party seller and basically asked me to stop contacting them. 
I then went to FedEx to try and file a report for a missing package. They told me I could file a claim so I did, however it was denied and upon further correspondence they informed me that though the seller and them both had insurance for such a package, I was just the recipient I would have to have the person who shipped it ( XXXX XXXX XXXX ) file the claim with XXXX. 
Since I have not been able to get any sort of helpful response through the XXXX chat feature with The XXXX XXXX Ive found their phone number online and began calling them. They at first said that they would contact XXXX. They never called me back so I called again a few days later and they said XXXX had told them the package was delivered successfully. I went on to tell him that I know that this is what it says but I never received it and they must have some sort of insurance on the package that they could file to receive and then refund me. Ive called them three or four times since trying to urge them forward on the matter, but every time they tell me they will look into it, they never return my calls. 
Today when I tried to call I received a busy signal so Im not sure if theyre out of office or if theyve just decided to stop answering my phone call. When I explained this all to XXXX XXXX in XXXX, they told me I should cancel the debit card I had on file with Affrm. I did this but at this point in XXXX, with no payment from me, it has started to negatively affect my credit score. 
On XX/XX/2022 at XXXX EST. I spoke with an XXXX XXXX  XXXX representative to discuss my possibilities. She said if I payed off what was due, once it was posted I could then go and dispute the charge. As of XX/XX/2022, I have paid the {$220.00} in question in attempts to not permanently hurt my credit score. I am now looking to dispute this charge in hopes to be reimbursed. 

As of XX/XX/2022 I had payed through affirm and then disputed the charge with my bank. XXXX XXXX XXXX. This resulted in the bank taking the money back from Affirm at this time. It now says I still owe Affirm money. At this point I dont know what to do. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MI
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 falsely reported a debt stemming from an alleged overdue cable bill with XXXX XXXX in my name. In response to CFPB complaint XXXX XXXX XXXX  XXXX acknowledged that, while it did not own the debt, it was seeking to collect for an alleged amount from XXXX. In CFPB Complaint XXXX I disputed the debt. Moreover I informed XXXX they were not licensed to collect in my state, Michigan. XXXX responded stating it would cease all collection efforts1. However, XXXX has continued to furnish information regarding the alleged collection account to the XXXX The XXXX  have allegedly transmitted disputes to XXXX and " verified '' the continued collection activity despite XXXX making clear it'd ceased all collection activity. Full statement and documentation attached.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: NC
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:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: WA
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 started to shop a car and visited a local car dealer. I asked what I can afford and been answered that I need a soft credit check to see where my payments can go. I said OK. Eventually a dealer run multiple hard inquiries without my permission. I reached their financial department and got a response that a sales person described incorrectly to the financial department that caused misunderstanding in a dealership. They can't help me. I reached all 3 credit bureaus and didn't find help. 

Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: LoanCare, LLC
State: MN
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 was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by XXXX points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. XXXX needs to act immediately and remove the negative mark on my credit file and my husbands.

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 2023-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made an appointment with Bank of America financial institutions on XX/XX/2023 after several phone calls to bank of America financial institutions and being recommended to visit XXXX XXXX XXXX XXXXXXXX Bank of America branch..

I spoke to a manager Bank employee name XXXX XXXX and he informed me that he could not find my account and i did had provided a copy of the court documents granting access to my personal bank account and he insisted that he could not find the account... .he said that he will talk to the other employees..banker to see... .because the XXXX banker was out in XXXX... 
XXXX XXXX email address : XXXX Other banker email Address : XXXX XXXX and no one has call back and after I call I was informed that XXXX XXXX had not find my account ... ..that was last spoke to the Bank of America Financial Institutions

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-09
Company: Rubin & Rothman, LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I opened a credit card with XXXX XXXX, card number, XXXX XXXX XXXX XXXX, and paid the balance by XX/XX/2022. I have all of the supporting documents that showed my credit card is closed. 
Two months later I received a bill for XXXX with not my credit card number.. A card ending in 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 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 DEPT OF EDUCATION/NELN Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

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