BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: PNC Bank N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Multiple fraudulent accounts have been reported to PNC Bank. They state account closure and confirm reporting of fraud. But account remains open, reaching out to the business does nothing to resolve this issue. False promises and the company allowing account creation without basic identity or credit verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Im looking for assistance or direction on how to handle a situation with XXXX XXXX  XXXX XXXX as their teller XXXX XXXX who is dating my ex spouse who Im in child custody court with At the time and she did that at his request or her thought to do it, he then called me and told me she did XXXX which time I reached out directly to the branch manager XXXX XXXX to inform her - commando was in placed on suspension and I and I received two letters from the corporate office to let me know the situation was resolved with an apology. I thought that was the end of it however I still had to keep my vehicle loan with them as I refinanced it at the same time I refinance my car due to the separation after nine years with my spouse and we have two children in common together I have three total so now Im being a single mother and paying a lawyer I have since had nothing but issues with my car payments which I have made duplicate payments the entire year last year where they have side has went to XXXX XXXX XXXX that they have put on my vehicle XXXX  I have XXXX I have sent that policy to them numerous times, Ive uploaded it to their portal which is allied insurance, Ive had my insurance agent who does my house insurance my liability insurance for my company and my vehicle insurance speak to them they have yet to takeoff XXXX XXXX XXXX they have yet to credit back the account and then when they do say if they did wan na credit it back it would go to principal only which is not something I agreed she was a single mom I can not afford to pay duplicate payments to go to principal only they have updated this to my credit report so now I do have a bad credit score because I have late payments unnecessarily, and I also have money sitting in a bank account because they refused to put it towards my vehicle payment and the collector I spoke with XXXX and I quote would not let me speak to a supervisor numerous times they did a audit in XXXX which they refused to provide to me after I asked for it numerous times they locked me out of my online banking, and it has been nothing but harassment since the situation which just happens to be the branch she worked at. They still have {$900.00} they have not applied to my vehicle loan sitting in a bank account that I did not open and I requested to be closed win their teller got caught going for my accounts. I have all the text messages screenshots letters from the bank and communications so I would greatly appreciate any assistance you can offer with us or direction on who I need to reach out to. Ive already reported this to the XXXX as well but the bank is offering no assistance they will not speak to me I am at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a Target credit card in XXXX. Around XXXX I was unable to pay and the account went default. This credit card has been reporting as derogatory for well over 7 years. I have continued to dispute this on XXXX and other CRA 's and it just will not come off. This debt is started nearly 14 years ago, and has been closed. I don't know how to get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Upstart Holdings, 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: Old information reappears or never goes away

Complaint:
Company is reporting info on account where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Upon looking over my credit report I was really surprised when I saw a late payment from XXXX of 2017. 
I honestly don't even know how this could have happened, since I always make my payments to you when I get the statements. The only thing I can think of is that the statement must have gotten lost in the mail.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX 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 2018-10-24
Company: Experian Information Solutions Inc.
State: TN
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 have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2023-10-30
Company: Synovus Bank
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, XXXX and XXXX is showing different history on XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: PNC Bank N.A.
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the credit bureaus and PNC BANK to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX ripped me off. The made me believe that my total debt for the school loan would be {$40000.00}. Considering that I earned an XXXX and a XXXX XXXX that I owed less than {$17000.00} on, I thought that the {$40000.00} would not be bad due to the fact that I did not have excessive student loan debt. As a single woman and a XXXX I strongly considered the loan amount/debt. XXXX continued to encourage me to take out loans and they took forever to get through the dissertation process. This school is a money pit. The closer I got to depletion my funds for a loan the school decided to concoct a story staing that I had plagerised. I was near the end of the program. Why would I purposely do such a thing? I would not. I went to a hearing to let the school know that I was ill and had been in the emergency room the week of the XXXX Exam ( which is what they said I cheated on ). I showed them the documentation. According to my credit report my student loan balance is over {$400000.00}. As a single XXXX I would never put myself in harms way like this. This student loan debt on my credit report is preventing me from living. I am unable to secure a loan for a home or car. It ; s stopped me from doing many things. To make matters worse, I did not even attain a degree from this school. XXXX XXXX robbed me and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XXXX, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. * I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
After requesting by certified mail that Transunion LLC investigate and remove inaccurately reported items on my credit report, Transunion failed to remove such inaccuracies or provide evidence within 30 Days of how they verified the accuracy of these accounts.

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 2018-05-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to all 3 credit bureaus as well as XXXX XXXX to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX XXXX XXXX ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX, however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with XXXX who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account status incorrect

Complaint:
TransUnion is reporting different credit scores for my account. All other credit reporting agencies scores are higher. TransUnion needs to investigate everything on my account and adjust my score. One credit score is listed as XXXX and one is listed as XXXX which is keeping me from renting. My other credit scores at other reporting agencies are in the 600 's. Please verify all the things on my credit report and adjust my score across the board.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX Account # 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.

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 2018-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I previous submitted a complaint against Bank of America ; however, the 100 page response didn't address nor verified proof that the Deed of Trust was transferred from XXXX to Bank of America in XX/XX/2011. Nor was their reason for an increase in my mortgage valid. They stated the ( Escrow ) property tax and mortgage home warranty was the reason for the increase in my mortgage ; however, neither increased. Bank of America transferred my loan to XXXX XXXX  without providing them with my loan history, loan documents nor the deed of trust. Therefore, I'm unable to dispute the increase in mortgage with XXXX because they stated they were not provided with any loan from Bank of America. Any assistance is greatly appreciated. XXXX XXXX BOA: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 2023-10-21
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XX/XX/XXXX I called XXXX XXXX  to inquire about the XXXX fund that was allocated to and my husband to help in a loan modification process. The reason I called was because my new servicer freedom mortgage stated they could not locate the XXXX fund that was received, the fund was never transferred to my new loan servicer though it was received On XX/XX/XXXX, XXXX XXXX contacted XXXX regarding the receipt of mortgage assistance funds in the amount of {$60000.00} from the XXXX XXXX  Assistance Fund ( XXXX ) agency. XXXX XXXX was advised that XXXX received and forwarded said funds to the XXXX Department for processing. ( Per prior complaint response from XXXX made in XXXX. ) the fund was never transferred and XXXX confirms receipt to the XXXX department on XX/XX/XXXX per XXXX. 
The fund was received prior to transfer and was never transferred and cause a delay in my partial claim process. The new servicer freedom mortgage is not willing to wait for the fund and sent me a modification which will cause my interest rate to increase. The XXXX fund would have allow me to benefit for a partial claim which would have caused my interest rate to remain the same. 
It seems as if this is plan by both mortgages to increase my interest rate especially for freedom mortgage to benefit more from my loan. 
I have been asking where is the fund, XXXX has no record of the fund being returned to them. XXXX is unable to tell me where is the fund. 
Freedom mortgage sent me modification paperwork to sign 14 days from 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 explanation
Consumer complaint received 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Balance : {$3900.00}

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 non-monetary relief