BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This XXXX account associated with account number ID # XXXX XXXX .... was and is paid off completely as per the letter I received from the customer success team at the creditor furnisher in question. Its paid off and should be removed from my report, its verified through this letter. I am writing to formally request the removal of an account from my credit report. The account in question, listed under, Account ID # XXXX, has been paid off in full and is no longer active. I kindly request that you update my credit report accordingly to reflect this change. 
Account Details : Creditor : XXXX XXXX Account Number :, Account ID # XXXX Date of Last Activity : XXXX XXXX Balance : {$0.00} I have attached proof of the account 's full payment, which can be found in the attached documents. Additionally, I have included a copy of the confirmation letter from the creditor acknowledging the account 's paid-off status. 
As per the Fair Credit Reporting Act ( FCRA ), I understand that the credit reporting agencies must maintain accurate and up-to-date information on consumers ' credit reports. Since this account has been paid in full and is no longer active, it should no longer be reported on my credit report. It is essential for my financial well-being that my credit report accurately reflects my current credit status. 
I kindly request that you investigate and verify the information provided, and once verified, remove the account from my credit report as soon as possible. I also request that you provide me with a copy of the revised credit report once this update has been made. 
I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. If you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at XXXX Thank you for your cooperation and assistance in this matter. I look forward to a swift resolution of this request and the removal of the aforementioned account from my credit report.

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 2023-09-11
Company: John C. Heath, Attorney at Law, PLLC
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The last year or so Ive been seeing some red flags. Please allow me to explain it the best way I know how. 
I have a credit card from XXXX. The due payment date is the XXXX of every month. But I like to pay early so I may pay it somewhere around the XXXX of the month. On my credit report I was receiving from XXXX XXXX, It shows where Maybe on XX/XX/XXXX, I was late making that payment, somehow on the XXXX it show XXXX law had it remove. I havent notice none of this until I got tired of arguing with the companies and then I felt was putting this on my credit report.I have tried numerous times to call and speak to someone at XXXX XXXX, and I only spoke with a paralegal. I explain all the different things I felt were in correct I ask them numerous times if they could call these different businesses and find out why they keep saying Im late when Im not. To see if these different business would correct what I felt was their error. They said they couldnt do it. 
I also pay off my school loan in XXXX XXXX. 
It was showing up as late payment in XXXX. Its called XXXX, or XXXX XXXX XXXX. Was was the meaning of XX/XX/XXXX as current, when its been pay off. And other records show me as late payment. Other bills kept popping up as late payment or unknown. The reports I was getting didnt look like it came from the three major credit bureaus. I look at the way it was written up, the paper, so many unknown, what does that mean. I kept bring this to XXXX law for their assistance, and again I was getting the same respond when I did call. I had to call the places and try to get it straighten out. For months I would call them, sometimes we would aruge over the phone.Because theyre telling me, they have not report that, and I just believe they all did. I really believe inlexington law. It wasnt until I step away in XX/XX/XXXX and took timeout to go over my credit report, to find a lot of in accuracy.. I am very hurt and surprise and shock at this company. I now dont trust any repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made XXXX purchases on XX/XX/21 at Lowe 's store while in Ohio from Florida. I went online to pay bills on XX/XX/21 and to my disbelief I was shown 4 days late on my payment. I called Lowe 's ( Synchrony Bank ) and talked with a rep who said their billing cycle is on the 7th of the month and therefore I was late. However, after discussion, the rep told me she would deduct the late payment and finally told me they would not report the payment as late to the credit bureaus. Even with that, I thought I should have 30 days from the date of purchase before a payment is due. According to their standards, if I make a XXXX purchase on the XXXX a payment becomes due the following day. 
I have many credit cards and several through Synchrony and have never been late on any payment in over 15 years.

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 monetary relief
Consumer complaint received 2021-10-10
Company: Experian Information Solutions 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:
I have issues with the way this is being reported as it is damaged my credit. The car was repo XXXX  and experian say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on Experian and XXXX are the same while transunion is no showing XXXX. XXXX and XXXX are reporting as auto loan and XXXX is not reporting at all. XXXX has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed

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 2023-06-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I obtained my credit report from all three bureaus Experian, XXXX, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither Experian, nor XXXX, nor XXXX have deleted it yet. It has been more than 30 days.

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 2022-11-19
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:
XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Account # XXXX XXXX XXXX : My name is XXXX XXXX. Today I went to the location in XXXX on XXXX XXXX where I have been making my business loan payments since XX/XX/XXXX and found out that half of the payments that I have been making since XXXX have not been credited to my account. I have enclosed the statement from the branch and emails between myself and the law firm. In addition, I pulled my credit report today and found out that XXXX XXXX shows my account as being {$9000.00} past due with a balance of {$17000.00}. This information is incorrect. 

I have been making payments on my account since XXXX at XXXX XXXX branches. Paying this loan with my business closed and unemployed for most of XXXX and XXXX was extremely difficult, but I did. As a small food company, I was hit hard by XXXX. XXXX XXXX provided me with XXXX previous business loans that I repaid early. However, I struggled to repay the third loan due to a horrible experience with a co pack manufacturer, causing me to lose a large order to a major store. 

I would like to speak with someone at a branch who will correct my account, find and apply the missing payments, clarify why the interest rate is almost 10 %, and correct the inaccurate information to the credit bureaus, correct my credit report, and remove the returned check fees for payments that the XXXX branch on XXXX XXXX lied and told me they never received. I disagree with a judgement ever being placed upon me ; It was malicious and cruel and not necessary to punish me so severely financially after I had made successful early payments on XXXX previous business loans. This was especially cruel that it was done in XXXX. 

Yesterday I spoke with XXXX XXXX in Collections who I do no trust or believe will take this matter seriously. Therefore, I am writing to you and asking that someone else assist me. 

Respectfully, 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 2022-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
- On XX/XX/2022, someone impersonated us and went to Citizens bank located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is a XXXX XXXXy from our home made a transferred of {$140000.00} from our home equity account to checking account at the counter. Then, he advanced the money in mostly bank checks at the counter -In order to do this, the suspect needs to pass the facial identification, proper photo identification and security checks ; we did not get a call or text nor any notification from the bank for this unusual transfer and withdraw -Secondly, the withdraw is advanced from our HELOC account performed at the counter, this requires additional security verification, the reason suspect did not make the transfer through phone or online because he is missing a lot of our personal information -I have reported the unauthorized transfer and withdraw on the same day, reported the fraud but the bank refuse to stop payment on the checks. We have not lose our driver license nor any identity cards. Bank never issue a debit card for me on this account. It turns out that the suspect got a replacement debit card in one of the branch. we did not get a call or text or alert for this either- I have made multiple complaints and disputes. when i visited the branch, they tell me to call customer care ; when i call the customer care they tell me to visit the bank because its fraud in the bank - After XXXX Weeks of waiting, all of my disputes are denied, and someone them are erased from the system. They did not give me a single call nor send me any neither affidavit nor proof of evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AL
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report US DEP ED XXXX {$4000.00} US DEPT ED XXXX {$6200.00} US DEP ED XXXX {$2700.00} US DEP ED XXXX {$1000.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$230.00} XXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1600.00} USDOE/XXXX XXXX {$52000.00} US DEP ED XXXX XXXX US DEPT ED XXXX {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NY
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 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 2023-01-23
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:
The unverified items indicated below continue to report on my credit report despite numerous written requests, which is against federal law. The validation of these items shall be in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you don't verify these claims, I'll file a lawsuit against you. So that this situation can be rectified as soon as possible, kindly abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount they are stating I owe in debt is {$260.00} on my credit file yet when I call them they state that the amount is actually a much higher over {$1000.00}. I know for a fact that the medical service was not that high as I saw the bill from XXXX XXXX ( I believe the information was archived after the debt was sold to collections as I can no longer see the exact amount ) Additionally, I reached out to the agency telling them that I had insurance at the time ( due to covid it was medicare ) and that they told me it would fully cover the expenses of the therapy. They told me they would call me back over 4 months ago and no information has been updated or given to me as of today. I also sent a letter asking them to verify the debt to which there have been no results. However, XXXX seems to have stated in my latest dispute attempt that they verified and updated my file. The information shown on my file is only of name, address, and amount owed- all of which is relevant to the case. This means there was likely incorrect information regarding the debt that they updated only after my dispute and letter. 

Lastly, I tried filing a dispute through experian multiple times to which they denied me and said that the debt was valid despite me informing them not only on the insurance that I had at the time of scheduling the appointment. They continued to deny me when I told them that the debt was also invalid due to HIPAA as I never gave permission to XXXX XXXX to release my medical data nor signed any documents allowing them to do so. As such I would like to report both XXXX and Eastern Account System

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, I have filed 3 disputes and a corporate complaint as my phone was hacked and there were fraudulent XXXX transactions equating to almost {$2500.00} on XX/XX/XXXX. I have been given the run around with PNC on different departments and this is still not resolved. I will get my attorney involved as I am looking to get to a resolution and get reimbursed for direct funds from my personal bank account due to the fraud transactions. It has been 3 weeks and this is not resolved and I have been passed to different departments and there is not a resolution. This is completely unacceptable as I had my other business bank accounts hacked and I received the reimbursements back from them. This matter needs attention asap as this was not handled correctly and I am personally out of funds that I did not authorize or make the transactions as my phone and computer were hacked. The dispute department stated that it happened in my location well yes, likely it did as it happened with XXXX and XXXX XXXX as well as my XXXX credit card and XXXX  credit card and all of the other institutions have refunded me the money back from the fraud charges except for PNC Bank. I spent countless times on hold and Friday, XX/XX/XXXX I spent 4 hours on the phone with PNC and no resolution as they keep denying my dispute and will not refund me my money back from the fraud XXXX charges. I never used XXXX in my entire life and I was hacked. PNC keeps denying this and will not refund me my money even though this has been fraudulent transactions that were not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I need Wells Fargo Bank to Update my Account with the current Balance, correct credit balance to All the credit bureaus XXXX, XXXX, XXXX and the XXXX score as soonest possible.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: NJ
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 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 2021-10-10
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was preapproved for a USDA loan XXXX 2021. Went under contract for a home XX/XX/2021. Was made to switch agents bc the builder required you use his agent of choice. So switched to XXXX XXXX with Homestar financial. We spoke and he said USDA was a go. I spent over XXXX dollars on upgrades for the home thinking i would be okay with closing costs, etc based on USDA loan. Three days prior to closing i was told i would not qualify for usda and that i would have to go FHA requiring an additional XXXX dollars at closing which was now pushed back to XX/XX/XXXX. I tried to explain to them that my income varies and that they were not calculating it correctly but they would not listem. The change also increased my mortgage payment making it higher than i wanted. I had already invested in upgrades that were non refundable so could not walk away. On XX/XX/XXXX about 30 minutes prior to closing was told i had to have an additional XXXX dollars in order to close. I essentially emptied my savings leaving me nothing left. DUe to the fact i had to use him i could not utilize several XXXX or first XXXX XXXX available to save money. Not to mention the last minute changes left me no time to even be able to try and figure out other options. When i got to closing on XXXX they crossed out some areas and hand wrote on the disclosure which was very confusing. Instead of first payment being due XXXX like it shouldve been it was pushed up to XXXX leaving me 3 weeks before my first payment was due ( which is late ). They also required a years worth of escrow in my escrow account which i have been told is not the standard amt. I am broke, and risk losing this home bc im late with my payments. The whole process was a nightmare and now i am in a position where i dont know what to do. It is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation