BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
The basic issue is that I am unable to log into service.transunion.com the free service that allows you to have a basic look at your credit report. When I log in I see an error stating " We are temporarily unable to complete your request.Looks like we are experiencing a problem on our end. '' I have mailed my personal information ( SSN, Driver license, pay stub etc. ) twice now under the direction of customer support staff to two different Transunion department in hopes of fixing the issue of being unable to log in. Multiple times the only thing that has happened is that I have been sent a mail containing my credit report with multiple wrong information. When I have followed the links to try and fix these issues it has directed me to the service.transunion.com site which I am unable to log into. This is now my second complaint to the cfpb whereas the first one was marked as solved and when I replied with the issue has not been solved there is no follow up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: EOS Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from XXXX ( XXXX ) XXXX from a company called EOS - EOS, XXXX XXXX XXXX, XXXX, MA XXXX attempting to collect a $ XXXX debt for a private student loan I received and paid off. They provided me with a home address that I was completely unfamiliar with, but appeared to be the location where my cosigner lived, someone I am no longer in contact with. This debt was paid in full years ago. I told them any attempt to collect any debt should be sent in writing to my home, but they were unable to verify my home address. Further, the only information they were able to provide me about my account was my date of birth, the name of my college, and the name of my co-signer and his address and a debt amount of XXXX. When I told them that all of my student loans were paid in full, they asked that I fax verification to their company at XXXX XXXX XXXX. Upon XXXX  this company, it appears they try to collect on debts that have already been closed, and report to credit agencies. If that should be the case, I would dispute it because these accounts are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received an email from a person claiming to be Professor XXXX XXXX from XXXX in regards to an open XXXX XXXX XXXX  role. I had previously shown interest in a XXXX XXXX XXXX role at XXXX XXXX XXXX as I was studying there at the time. I expressed my interest for being considered for the role by sending my resume to which they replied positively to and told me I was the most ideal candidate for the role and hired me. First thing they asked me to do was to buy a laptop and printer as they said I would require both for the role and proceeded to send me a check of {$2100.00} to buy the new equipment. The check was later discovered to be fake but when I scanned the check to deposit the money into my PNC bank account, PNC deposited the {$2100.00} to my account the very next day. After PNC deposited the {$2100.00} from the fake check in my account the scamster then asked me to send {$1100.00} and {$920.00} payments on XXXX to a person he said he had appointed as his assistant who would help me get the new equipment ( laptop and printer ). I sent him the money as to that person and later that evening discovered that I had gotten scammed for {$2000.00} after which PNC also proceeded to removed the credited {$2100.00} from my account leaving me with a negative account balance as I had less than {$150.00} in my bank account at that time. My complaint is that PNC Bank should not have deposited the amount from the fake check in my account in the first place for me to proceed with the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: VA
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and found some errors in the reporting of XXXX XXXX XXXX XXXX XXXX. You are reporting information about me that is inaccurate. All the three credit bureaus are reporting different balances and payment information. This account has not been properly verified. Delete the following account immediately for failing to comply with the FCRA : XXXX XXXX XXXX - XXXX Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased the car in XXXX. My original loan amount was approximately {$9300.00}. My payments are {$270.00} a month. My loan is held by Credit Acceptance Corp. When I originally got the loan, I arranged for my payment date to line up with my pay dates, at the end of every month. I submitted my payments by that payment date. Approximately 4 years later, I learned that the company had been considering all my payments as late and I believe reported it to the credit agencies as such. They also assessed late fees to my payments without notifying me. Several of my payments have not been recorded or counted toward the payment of my car or debt. As a result, I have been paying on the car for almost five ( 5 ) years, and I am told that I still owe over {$4000.00} on my car. I have proof of my payments on months which they said were not paid. I presented proof of payment and was ignored. I have repeatedly requested payment history and have never received such. They do not send my monthly statements, and the online account with the company does not allow you to see payment history. There have never been any attempts to repossess my car, despite the inaccurate claims of non-payment. At this point, I believe I have more than paid off this debt, I also believe they have severely damaged my credit history.

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 2023-04-02
Company: COMMUNITY BANK SYSTEM, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a loan from XXXX XXXX XXXX, now Community Bank in NY. It's for a used atv. I want to pay it off. XXXX is the monthly payment. The bank is telling me the payoff is the total of the monthly payments. I'm being forced to pay interest on a loan. I am not able to just pay a principal amount. This is the second time I'm filing a complaint. The first time they responded and said that was right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Reporting company used your report improperly

Complaint:
Unauthorized usage of credit information was never confirmed to be placed on credit report, this is harming my credit scores drastically and is stopping me from moving forward.

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 2022-08-18
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Starting XX/XX/2021 we have been trying as a family to get our funds out of people 's bank with many road blocks, a year later we still have no resolution. 

The banks manager?, XXXX XXXX, at Peoples BANK, NOW M AND T keeps stalling, sending forms to incorrect addresses, asking for more items to be notarized, or for my XXXX XXXX XXXX mother who is no longer in the state to come and pick up a check. 

As of last correspondence the most recent info to be notarized was sent to my incorrect address even though we gave him the address record- - it seems he intentionally, maliciously changed the street # misspelled the town and gave the wrong zip to stall. 

we need resolution quick as this is putting undue stress on my mom who is XXXX XXXX XXXX and caring for her ailing  husband who doesn't have long to live. 

A TRIP OUT OF STATE TO THE XXXX BRANCH IS OUT OF OUR ABILITY AS WE ARE CARING FOR A VERY SICK MAN. 

PLEASE LET US KNOW OUR OPTIONS FOR GETTING THE MONEY OUT WITHOUT HASSLE. 

WE HAVE PROVIDED NUMEROUS FORMS, REVOCATIONS OF TRUSTS, PROOF OF NAME CHANGE, NOTARIZED SIGNATUUES ASKING FOR THE MONEY,. 

I think honestly we are dealing with someone who for some reason is acting illegally and unprofessionally holding back our money and we ned help. 

thank you XXXX, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being harassed multiple times each day by a debt collection " service. '' They insist on my providing personal identifying information in order to coerce me to pay a debt I do not have. I am over XXXX years old, and this is clearly elder abuse. Please make them stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to temporarily lift a credit freeze for a credit 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 non-monetary relief
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: MO
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 are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) Rent Debt {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) MO Child Support {$22000.00}

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 2022-08-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was notified by my bank about a year ago about credit card fraud where the person used my XXXX  account and ordered various items on my debit card and/or through my mastercard. I was told by the bank to file a report with the police which I did and also contact the three credit bureaus. I assumed everything was straightened out but it was not and I recently received a noted saying I am going to be sued by a credit collection agency, actually two of them. Can someone help me out with this? I have tried to contact the collection agency to no avail, yet I have been reading they have been noted to sue people in an unjust way? Can you help me please??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied 2 separate occasions for XXXX XXXX  and quicken loans. They both denied me even after I submitted the requested proof that my DTI is not what is reflected on my credit report. They have illegally denied my loan in violation of the ECOA and FHA regulations which state the minimum required credit score is XXXX and I am at XXXX with a 10 % down payment on XXXX single family home totaling XXXX. The loan is with a Co-borrower and they still denied me both of these companies did the same thing. Quicken denied me after accepting my application and preapproving my purchase which was done in XX/XX/2020 initiated and they left it in limbo and still have not sent out an official denial letter or posted it to my account as to why I was denied only told me over the phone. XXXX XXXX XXXX XXXX XXXX XXXX was my rep for this company. Loan application # XXXX. 

NOTE : MY CREDIT SCORE IS A XXXX AND THE CO-BORROWER IS A XXXX WITH YEARS OF PAYING DOWN HUGE DEBTS QUICKLY AND ON TIME. FURTHER MORE I HAVE IDENTITY THEFT DISCOVERED DURING THIS PROCESS AND HAVE REPORTED IT AND TAKEN ALL THE STEPS TO HAVE IT THOROUGHLY INVESTIGATED FOR CORRECTION OF ACCOUNTS. 

The application for XXXX was done by XXXX XXXX Mortgage Loan Originator NLMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Cell : XXXX XXXX They did send out my denial letter which you will see attached below but again the required process for submission to show I only am obligated for a certain portion of what is reflected on my credit report due to Cosigning for my daughters car but she pays all of her payments not myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-25
Company: EQUIFAX, INC.
State: VA
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: EQUIFAX, INC.
State: MO
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 are not mines nor do I have any relationship with these companies. I'm asking that these accounts be blocked/ removed or verified with detailed Methods Of Verification that will not only state who, when and how these accounts were verified but also providing me with physical documentation as stated within the laws of the FCRA. The following accounts are, ( A ) XXXX XXXX  {$2100.00}, ... ( B ) XXXX {$280.00}, and ( C ) XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion alert states that i recieved a hard enquiry on my report from " XXXX XXXX ''. no idea who it is, they can not tell me who it is and phone numbers ask to leave message

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-07-13
Company: EQUIFAX, INC.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX 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 deletion 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MI
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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2022-08-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
All these things on my report was falsely used and without my consent there's also inquiries that I have no knowledge of I want that that stuff removed bills inquiries everything

Company response to consumer: Closed with explanation