BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 EQFX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts are being reported n my credit file contain multiple inaccuracies which the credit bureaus are allowing and not removing. The accounts are as follows : 1. XXXX - ( 2 ) accounts listed have inaccurate payment history reporting and balance 2. XXXX XXXX XXXX - inaccurate account balance and payment history 3. XXXX - balance inaccurate 4. XXXX XXXX- ( Acct # XXXX ) closed p/charge-off account reporting payment history

Company response to consumer: In progress
Consumer complaint received 2020-09-28
Company: SYNCHRONY FINANCIAL
State: PA
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:
unauthorized inquiry

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 2022-08-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My Truist account was closed and I am unable to open an account with them or any other financial institution. I replied to a job offer a a XXXX XXXX  and they sent me fake checks insisting that they were real and I would be working for their company. However, this company has been producing fake check with my name printed on them. I would like to explain this was not to my knowledge or the bank tellers knowledge when I deposited the checks. I had no one explain to me what should be done. I was simply looking for a side job for a car. I am currently employed in a XXXX XXXX XXXX as an XXXX XXXX and work full time and am in need of a place to exchange money.

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 2023-12-15
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXXXXXX  I submitted a verification method to Equifax for a recent dispute of several items ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NC XXXX XXXX, As of today XX/XX/XXXXXXXX  I have not received the method of verification. Reporting of inaccurate information is identity theft and Equifax has not performed due diligence of ensuring they are reporting accurate information onto my credit file.

Company response to consumer: In progress
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Each credit reporting agency have continued to violate the FCRA regarding fraudulent information reported on consumer reports. I filed the necessary documents to have the accounts listed on my FTC report " blocked '' from being reported. However, the credit reporting agencies continue to treat the block as a dispute and the accounts remain. This is a violation and they need to be held accountable.

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 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have found a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-11-09
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: Their investigation did not fix an error on your report

Complaint:
There is an inquiry for XXXX XXXX XXXX on my equifax report that was made on XX/XX/XXXX ; I have phoned equifax in XX/XX/XXXX and a few others was removed but not that particular inquiry I expressed my concern about ; I have sent 3 rounds of letters since then all 45 days apart with my ID, social, police report and identity theft report and still no luck removing that single inquiry ; I wrote XXXX requesting information on the application with no response ; I asked Equifax to send proof of the inquiry only received letter refused to remove that inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2018-05-14
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-09-28
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own the apartment at XXXX XXXX XXXX XXXX, XXXX, NV XXXX. There was a fire on XX/XX/20. XXXX XXXX issued a check for {$94000.00} to the lender Mr. Cooper ( Nationstar Mortgage. ) They released a check for {$40000.00} on XX/XX/20 and a check for {$27000.00} on XX/XX/20. The work was complete on XX/XX/20 and signed off by XXXX County. They will not release the final check for {$27000.00}. XXXX XXXX  showed up to inspect the property on XX/XX/20 They did not turn in the report to Mr Cooper until XX/XX/20. The reason they are giving me for not releasing the remainder of funds is that there is an exception on the account. The reason there is an exception on the account is because I called and asked for these three things in writing. 1 ) A copy of the legal document showing they have the authority to withhold the funds. 2 ) A letter of apology to the contractor for paying late. 3 ) A letter  explaining why they use XXXX XXXX. I also call the corporate office in XXXX three times. They said they would issue a check if I withdrew the three requests above, but it would still take another week. I guess that if I don't withdraw the requests they will not send the check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: In progress
Consumer complaint received 2023-07-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
deposit a check {$71000.00} for escrow into citibank. Citibank blocked the account for over XXXX weeks. 
every single calls it will be under reviewed or it will be cleared in XXXX hours but never been clear and came out with all tons of excuses. it delays and interferes with all payments and activity of daily life. 
citi bank fraud department wont be able to unblock or even return the fund to the sender. 
citibank gave tons excuses the the check was not endorsed and it was and stated the sender is not active in business etc. 
the fraud department will like to talk to the sender of the check to clarify the amount and the check is correct. After all tons of processes and phone calls, saying it would be cleared again after the sender would like them to return the check. citibank has cleared the check in account but will not unblock. That is insane and don't know what is going on with citibank the hold the fund and block the account after the check is cleared by the sender. pls advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We went into forebearance on our mortgage, starting in XXXX, due to COVID-19 XXXX. We were approved for forbearance through XXXX, and I called our loan servicing company, Dovenmuehle Mortgage, in XXXX to find out what our repayment options are. They stated that there are 3 options and one of them is a loan modification, which could allow for an interest rate adjustment. The representative said said she would start the paperwork and evaluate our loan. She said she would keep us posted and we could call them if we have questions. Last week we received a " delinquent '' notification that we were past due on our XXXX payment with a late fee. Not only were we not updated on the status of our mortgage or the XXXX due date, but we were misinformed on our repayment options. I was told we would have the option for a rate adjustment. But the representative I spoke with today said they don't offer rate adjustments. The company did not communicate accurate information nor did they keep us posted on our current loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Saturday XX/XX/XXXX my mortgage company Mr. Cooper-Nationstar sent an email to all customers stating there was a processing issue. I had a payment schedule for XX/XX/XXXX. Well I woke up Monday XX/XX/XXXX to my bank account being in the negative over {$700.00}. I then scrolled to see that Nationstar had taken 4 payments out, then reversing two and retrying one more ( not sure what that means yet XXXX. I then called them immediately getting a recording stating they are aware of the processing issue and they are responsible for all unauthorized charges and bank fees incurred and the issue would be resolved no later than Tuesday XX/XX/XXXX ... ..My husband and I called daily to find out the status of our refund and all they could say was by the end of the day ... By Friday XX/XX/XXXX the woman stated they were now told 3-5 day processing time from Monday the XXXX. Well here we are Monday XX/XX/XXXX and we have still not received the refunded of the two payments owed to us in the bank. I also submitted for a refund on the mr. cooper website for the bank fees of {$210.00} incurred so far. They say they will send in the form of a check! 
I have not had access to my funds or any money for a week now this is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2023 I was contacted by Bank of America by email that my account was XXXX. There should have been well over XXXX in my account. I immediately logged into my account and realized my account/XXXX XXXX was as XXXX. I also called and filled a XXXX  claim as I was out of the country and I hadnt authorized any of the XXXX that caused the account to be overdrawn. After XXXX weeks went by and I hadnt heard from Bank of America I called again and learned a claim was never opened originally when I called in XXXX. This time a claim was opened and immediately closed stating XXXX XXXX XXXX XXXX to file. I immediately called and disputed and had the claim reopened. This time Bank of America took well over the XXXX days to investigate and upon calling at day XXXX they denied my claim again. I called back to ask why, they stated that I logged into my account in XXXX prior to filing a dispute so the claim was denied. Obviously Bank of America is in violation of XXXX regulation XXXX and XXXX XXXX  regulations. Ive sent Bank of America XXXX documents proving I never made these transactions and no one was authorized to make purchases on my account. Bank of America refused to investigate this matter and not within the regulated XXXX day time period.

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 2020-09-28
Company: Experian Information Solutions Inc.
State: PA
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:
Experian refuses to remove XXXX XXXX  inquiries

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 2022-08-29
Company: Experian Information Solutions Inc.
State: AZ
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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and correction of the erronneous information reported on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following erroneous Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items corrected as soon as possible : 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 DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX 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

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 2021-04-03
Company: Paypal Holdings, Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
PayPal is repeating its nasty practice of opening a debit card for my account without asking for my consent. This is described in details in this blog : https : XXXX It happened to me for the second time today. Here 's the start of the email I just received. The email message does contain a hyperlink to " If you decide not to use it, you can close the card. '' but visiting that hyperlink lands you on a general settings page with no option to " close the card ''. I had to search the web to find out that I needed to go to a hyperlink of " http : //www.paypal.com/nothanks ''. 

It is unacceptable for a company to persist in such a despicable practice for over a year! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- from : XXXX XXXX to : xxx xxx XXXX date : XXXX XXXX XXXX XXXX XXXX subject : We're mailing you a debit card to provide instant access to your PayPal balance. 
mailed-by : paypal.com signed-by : paypal.com Now you'll have instant access to your balance To provide you instant access to the money in your PayPal business account, weve updated your account to include the no-annual-fee PayPal Business Debit Mastercard. Well ship your debit card shortly.

The PayPal Business Debit MasterCard is
a new benefit to your existing PayPal Business account. It is not a credit card and no credit report was pulled. The decision to send you this card was based on your history as a PayPal customer. 

The debit card makes it easy for you to : Earn unlimited 1 % cash back on eligible purchases, paid monthly.1 Spend your PayPal balance everywhere Mastercard is accepted.

Withdraw cash from your PayPal balance from ATMs or at participating retailers around the world.2 The instant payments hit your PayPal account, youll have access. 

Well send you an email when your card ships. The card will arrive about 7-10 days later in a PayPal envelope marked " Time-Sensitive Information Enclosed. '' Be sure to activate the card right away. If you decide not to use it, you can close the card. Once youve closed it, please destroy and securely dispose of it. 

We appreciate your business and hope youll enjoy this added benefit. 
Find out more about the PayPal Business Debit Mastercard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A membership purchase was attempted and credit card company denied payment, I then used another card for payment. The denied payment then was posted to my statement. I spoke to the merchant on 5 different occasions and they advised no payment has been received from the denied card. I have spoken to the denied card company several times with no resolution. I asked to know where the disputed payment went with negative results. I have asked to speak to a supervisor and was disconnected. I have credit statements from both companies for the exact same charge. All the disputed company will say is that the charge was posted and it will take XXXX for them to look into the discrepancy. 
Any assistance will be greatly appreciated.

Company response to consumer: In progress