BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm opening up an complaint with Experian credit reporting agencies due to the fact that they failed to investigate my complaint on my credit report. Reinvestigation Required I have sent Experian documents via Certified mail of proof that i was Not late with XXXX credit card But they refused to investigate My claim after sending Experian Proof that I paid XXXX the Months that they are reporting that I was late. Per the FCRA ( A ) ( B ) ( C ) experian is required by law to investigate my complaint. I have filed complaint with The Minnesota Attorney Generals Office as well about this complaint as Experian has ruin my good name and reporting Negative and false information about me I 'm aware that Reporting agencies are just trying to make money off of consumers like myself reporting false information I will Not allow you to ruin my good name. Experian I 'm going to ask you One LAST AND FINAL time to invesitgate late payments with XXXX account number XXXX I have sent you bank statesments for my proof of payment I asked that you contact All if your sources that you used to verify this and send to me in writting how they verified the late payments You have copies on file at your office as we speak of proof that I paid and I expected you to send me Proof in writting via US MAIL. I 'm full aware of you not even during what the law require you to do so I 'm asking you if you can not provide me what I 'm requesting please have those negative late payments removed from my credit file or I will take full legal action againist your company I 'm fed up with the run around. 
Also I have sent you a copy of a police report on XXXX XXXX you have failed to investigate that which is also aginst the law. you need to follow the law and do what the law require your company to do. Like I said I havew file complaint with Minnesota attorney general office about this as well. next step i will hire my own personal lawyer and sue you for as much as the law req. THIS WILL BE MY FINAL NOTICED TO YOUR COMPANY BEFORE TAKING ACTIONS! 
THANKS 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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-03-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I joined the United States XXXX in XX/XX/XXXX and was XXXX in XXXX. I am from XXXX. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my Equifax and XXXX credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it may concern. 

RE : PNCXXXX XXXX XXXX, XXXX VA XXXX XXXX NUMBER XXXX My name is XXXX XXXX and I bought this property a while back in XXXX. 
This letter is to complain about the way and manner that PNC bank has handled and is handling the sale/repossession/foreclosure and or short sale of this property. 
I fell into hard times that caused me to reach out to PNC Bank that I was unable to afford my mortgage any longer. They locked me out of this home since XXXX. Since, that period, I enlisted into the XXXX XXXX as a low-rank enlisted XXXX with no rating. I have since been deployed and moved around the country for duty. It has been extremely hard to keep up with rent and mortgage and other financial challenges I have experienced during different periods, in the past years. 
After plenty of communication between PNC and me, they asked if I wanted the house to be foreclosed on and I said yes, they came back and asked if they should process a short sale, to which I responded, please do whatever you need to do, to take back the home. They requested several documents of proof of hardship, which I faxed and emailed over several different hardship applications and paperwork, but PNC always claimed, they never received any of the applications. PNC MORTGAGE bank gave me many foreclosure dates and they continuously change those dates. Eventually, I left the coast for duty and PNC MORTGAGE BANK proceeded with placing this delinquency on my credit for 7 whole years. Eventually, it fell off my credit, and I was able to purchase another home for my family of XXXX. 
Late last year, out of the blues, PNC reached out to me again and started the whole conversation about short sale/foreclosure all over again. I spoke many times with PNC but met a brick wall. I finally sought the help of a realtor who became a designated agent for me, and they started giving her the same runaround I had received from them in the previous years. I spoke with the PNC bank severally about this, and they repeatedly told me to write several hardships letters and fill out PNC BANK forms sent to me by the banks representatives. I have submitted multiple hardships forms and my real estate attorney has made several efforts to contact the PNC mortgage and sent in many offers for the purchase of the property from potential buyers. PNC ignored every attempt to speak with the staff about potential buyers proposals. 
My realtor eventually advised me to seek the help of a Real Estate Attorney, and I did contact XXXX XXXX to reach out to PNC Bank, on my behalf. 
As of today, PNC bank has told my attorneys that theyre unable to process the short sale application. 
They advised me to reach out to your office for assistance in this matter. 
Please I need help. 

Thank you in advance. 
Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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:
Dear XXXX XXXX/EXPERIAN/XXXX I am writing to dispute the XXXX XXXX account ( Account number : XXXX XXXX  that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with XXXX XXXX 

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b. 

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by XXXX XXXX is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : 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 2022-06-10
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I checked my credit report on XX/XX/2022 and noticed that my whole Self tradeline account has been removed from my credit report of XXXX, XXXX, and XXXX. In Self 's  XXXX XXXX XXXX complaint case number XXXX reply, Self stated that the tradeline was removed due to a request being sent to remove the tradeline from my credit report, but I never requested for the whole tradeline account to be removed. In CFPB Complaint Case Number XXXX, XXXX stated that an investigation was initiated due to the Self Financial/ Lead Bank account being furnished fraudulently, and in response Self deleted the tradeline account from my credit report. I understand that confusion was present during this investigation concerning this matter. I never stated that this account was furnished due to fraud or that the account itself was fraudulent. I requested that all late payments that are on the tradeline to be deleted and updated to paid as agreed and a deletion of those late payments, not the tradeline account, be submitted to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, 2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}.

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
Consumer complaint received 2017-03-23
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Went to annualcreditreport.com and filled out information and when it should have come up digitally with the report to look at, it only said can not fill your request and gave instead something to mail. Are we doing this wrong??? We are afraid to try again because it said only one free report a year, but we have not received one!!

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 2023-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Vehicle was broken into - briefcase with identification and credit cards taken. XX/XX/XXXX. ALERTED Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX  FROZE ACCTS AND CORRECTED ACCTS CAPITAL ONE, AND XXXX  XXXX ISSUED NEW CARDS BASED ON FRAUDULENT ACTIVITIES THEN WHEN XXXX XXXX  REFUSED FRAUDULENT ACTIVITIES USED THEIR DENIALS TO CANCELLED MY CREDIT CARDS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Business & Professional Collection Service Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has listed a medical debt on my XXXX and XXXX credit reports. I have disputed this account intermittently for approximately two years. I do not have a signed contract with Hospital Collection Services and they have not sent me any documents proving that I own this debt. In an attempt to fraudulently and illegally manipulate the statute of limitations on credit reporting as well as add interest to medical debt, they have increased the original reporting amount by XXXX dollar each month since initially reporting this account which shows current activity. Furthermore, this debt is less than {$500.00} and continues to report on my XXXX and XXXX credit reports. The federal government has enacted legislation that medical bills less than {$500.00}, whether paid or unpaid, must no longer report to the credit bureaus as of XXXX XXXX XXXX. Therefore, I want Hospital Collection Services to cease reporting on my XXXX and XXXX credit reports as they have contributed to furnishing financially damaging information about me which costs me hundreds of dollars in interest each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I Recently view my credit report and i can see a unauthorized inquiry made by XXXXXXXX XXXX XXXXXXXX on XX/XX/2023.

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 2022-03-31
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently limited my account.I can longer conduct any kind of business with them.I still have the balanced on ky account.And the problem was I did exactly what their process of opening an account.Im a new user of their account so there is no possible reason why they just limited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
As of XX/XX/XXXX, This account was settled and paid off. It is still showing up as balanced due. XXXX  XXXX employee stated that they will report it paid off and removed from all three credit bureaus. This account was closed back in XXXX  and was removed off my credit back in XXXX. It keep showing up on my 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 2023-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
Hard inquiries not authorize XXXX XXXXXXXX. I have never apply for any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A  second hard inquiry occur without my authorization XXXX XXXXXXXX XXXX  using Transunion credit report. 

XXXX XXXX pulled a second hard inquiry XXXX XXXXXX/XX/XXXX. I open a business account XXXX XXXXXX/XX/XXXX for the first time. However, I called within a week for a credit increase limit customer service did not advise me that it would create a second hard pull. This hard inquiry has cause me huge drop of XXXX points from my Transunion. I have contacted several times XXXX XXXX XXXX to see if they can delete this hard inquiry since customer service did not advise me that it would create a second hard inquiry but they just kept ignoring my request. I still doing business with them and so far so good but this hard inquiry has cause me a delay in getting business fund for my company.

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 2021-08-02
Company: EQUIFAX, INC.
State: NH
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 filing a complaint against XXXX XXXX XXXX  including credit bureaus Equifax and XXXX. This account is not legitimate or has not been reported properly under FCRA. This needs immediate attention and all creditors and bureaus should be fined, and disciplined for their willful neglect to my financial situation. As a senior citizen, I am not pervy to all new forms of technology. However, I do know all credit validations are responded in USPS but I have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We bought a house in XXXX. We sold our old house in XXXX. In XX/XX/2021 we started to pay off our new mortgage in the money from the sale. Capital One would not allow an electronic money transfer so we had them write a cashier 's check for {$250000.00}. This was sent out on XX/XX/XXXX to XXXX XXXX ( who holds our mortgage ). XXXX XXXX signed for the check on XX/XX/XXXX, but then lost the check (! ). Capital One said they could not put a stop on the check until 90 days after. On XX/XX/XXXX, XXXX XXXX found the check and tried to deposit it into our mortgage account. In the meantime Capital One put a stop on the check without telling us and before the 90 day deadline they told us about. 

Now Capital One will not give us our money back. They have been holding our {$250000.00} since XX/XX/XXXX, even though they put a stop on the check. They cancelled our cashier 's check and have kept the money somewhere and have not given it back to us. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TD BANK US HOLDING COMPANY
State: WA
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 a charge off on my credit report from TD BANK N.AXXXX XXXX XX/XX/XXXX, I have been trying to settle this account for many years but there is no phone number to be able to settle the account. I have most recently summited a dispute XX/XX/XXXX, as well as mailed in a letter to all of the credit bureaus, only to get a mailed statement back of the account. I am not disputing the amount, I am disputing being able to get in contact to be able to settle so I can get this report off my account. I have called TD BANK/XXXX directly for them to have no information regarding account, despite the charge off continuously being reported. Because I have summitted prior disputes, I am now unable to continue to put in disputes even though the issue hasn't been resolved. How is this fair to consumers to be forced to have this charge off with no way to settle? I've called the credit bureaus costumer service with no advice. I'm taking all the steps that I can with no resolution and my credit score is suffering because of it.

Company response to consumer: Closed with explanation