BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Continental Finance Company, LLC
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:
This is not my account. I have spoken with Continental Finance at nauseam about this yet they have failed to remove the account despite confirming they would do 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 explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2021-03-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So this situation isn't them calling me. It's me trying to get ahold of anyone at the Lakeview facility so I can pay my withstanding amount of mortgage debt.

I've been trying for weeks. Setting up " call backs '' early in the morning and never receiving a call. There's no one to email for information on how to pay in full. You can't pay in full online, not to mention it seems as if I've been locked out of my account since the last time I called, Not sure as to why.

I did stay on line for an obnoxious amount of time to get ahold of a representative and when I did, we got as far as answering all the security questions, then I was disconnected. This has happened more than once in the past.

They did reach out 1 time and left a message after letting the phone ring for about 4 seconds.

I don't mind paying the debt in full, but I need to get ahold of someone or have someone call me, and perhaps leave a call back number that isn't going to take an hour to get situated.

I wouldn't usually complain, but it really shouldn't be this hard for someone to pay their mortgage let alone this hard for a " debt collector '' to collect what's owed.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Collection company ( Portfolio Recovery ) called me Sunday XXXX XXXX time XXXX XXXX cst

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: NY
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 was disputing a Bankruptcy on my credit report that Experian verified as accurate. Confused by this i sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX asking for their method of verification. On XX/XX/2020 i received a letter from them Experian stating they were able verify that bankruptcy from my credit report by saying it was accurate but they failed to giving any proof on how they were able to verify it. i waited over a month with hopes that they will send me another letter with the verification i asked for but still i got nothing. ... .. 


Also for XXXX i also asked for the method of verification with tracking numbers XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 i received a letter from them stating they verified the Bankruptcy with the Bankruptcy court located on XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXX. I eventually went to that bankruptcy court in person and they told me when i got their that they don't verify bankruptcies with the credit bureaus. They gave me a letter stating that. After that i sent that letter to XXXX  through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 i asked them to remove that bankruptcy from my credit report because it could not be properly verified. As of XX/XX/2020 i have not gotten a reply from 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 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America do not want to credit my account from XXXX XXXX XXXX XXXX.They awarded me the credit then reverse it. This was a one time purchase practice test for my son on XXXX XXXX XXXX XXXX for a test he was schedule to have in XXXX of 2018. I noticed on my billing statement for XXXX a purchase for XXXX from XXXX XXXX XXXX XXXX. I contacted my credit card company ( Bank of America ) and discuss this charged with them. When speaking with one of representative, I then found out that a past charged from XXXX was on my past billing cycle from XXXX XXXX XXXX XXXX. After speaking with one of the their representative the matter was not resolve. I proceeded to contact Bank of America and started a claim. Bank of America later sent me a corresponding reaching out through a letter disputing the matter. The second corresponding letter was to inform me the dispute was resolved and they are glad to inform me the credit was issue back on my monthly statement. I later got a letter stating they reverse the charge and advise me to continue to pay XXXX XXXX XXXX XXXX. I have been contacting the credit card company on this matter since XXXX. I been getting the run around with this matter from faxing, and mailing my proof of documents. To the case been close, to them reopen my status.They also mention that I cancel my card so the XXXX can stop shown up on my account. Now they are saying with me calling since XXXX and giving them the proof my case is close But I can send my proof again but it not going to help the statue will remain the same

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 2023-06-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For the past three days, I have been trying to have my credit freeze temporarily lifted in order to allow a company to access my credit information. With XXXX, the security lift took about 5 minutes. With XXXX, the security lift took about 5 minutes. 
However, with Experian, this has been a three day nightmare. I first attempted to do it online ( experian.com/freeze ). While the procedure seems as if it would be simple, it is circuitous, and never allows the consumer to lift the freeze. If attempting to call Experian at XXXX, the experience is even worse. The bot sounds as if can deal with fraud or a credit score but it will not allow the consumer to lift the freeze. How in the world can Experian even be allowed to exist since it seems that they have absolutely no interest in assisting a consumer and the consumer has no possibility of opting out of Experian?

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 2021-03-22
Company: CHECK INTO CASH INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XXXX a payday loan was opened to assist purchasing a vehicle after theft. Loan was paid and reopened with lower amount of {$25.00} less each renewal. 
After personal reasons of filing Chapter XXXX bankruptcy XX/XX/XXXX, Check into Cash continues to harass by calling by different numbers & demanding payment each time being a different greater amount than previously claim I owed. {$270.00}, {$320.00}, {$520.00} and now {$670.00}. Company claims they are using 3rd party to collect and will submit my info for judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX I closed my IRA with Suntrust because they don't have any branches in XXXX XXXX. As a result, I was apparently sent a check of {$200.00} issued by Suntrust XXXX, with the instrument number XXXX -- but I never received it despite regularly receiving multiple types of correspondence from Suntrust before and after closing the IRA. 

XX/XX/XXXX I reached out to Suntrust regarding the {$200.00} check that I never received. Both persons with whom I spoke informed me that I would have to fill out a form and have it notarized : a " Lost, Stolen or Destroyed Official Check Or Similar Instrument XXXX XXXX and XXXX of Loss. '' XX/XX/XXXX I realized I would have to pay a notary {$65.00} to receive back my {$200.00}. Notaries weren't working in offices due to the pandemic, so there was a {$35.00} house call fee. Yet Suntrust mailed me the XXXX XXXX form just fine and I still hadn't seen my check in the mail. Furthermore, to spend {$65.00} meant I was being fined for the bank 's loss of my check. And there was no guarantee that spending the money would actually ensure receipt of a second check. It was a quandary. 

XX/XX/XXXX I recently learned about the CFPB handling a case similar to this one -- with success! So, now I would like to obtain the {$200.00} from Suntrust that is rightfully due to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: STERLING BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is with Sterling National Bank. XXXX bought out my mortgage company, XXXX XXXX, in XXXX. I had paid off my mortgage in XXXX but XXXX never filed release of lien to my county records. This is causing my new mortgage to be rejected. I had called XXXX numerous times for them to send appropriate paper work to my county. They tell me that I have to email to their research department and there is no phone number for me to call. They refuse over night mail or emailing of my documents. Since they have collected all the money they can out of me, XXXX is in no hurry to correct a mistake made over a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus  as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 4 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
PNC CLOSED MY ACCOUNT WHEN I WENT TO OPEN AN ACCOUNT OF FOR MY XXXX YR OLD SON : THEY STATED THE WOULD NOT OPEN AN ACCOUNT FOR HIM AND THEY ARE ALSO GOING TO CLOSE MY ACCOUNT : AS THEY DID, THEY CLOSED MY ACCOUNT WITH NO REASON : MUILTI CALLS AS TO WHY MY ACCCOUNT WOULD BE CLOSED AND THEY SAID THEY HAVE A RIGHT TO CLOSE MY ACCOUNT PERIOD. 

THEY KEPT MY FUNDS FOR OVER 20 DAYS MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND PNC AND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE TO THE MERGER PERHAPS, IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION : they reported me to early warning credit as abuse ( with no documentation of abuse ) I'm currently not about to open a normal bank account due to being racial discriminated by PNC and XXXX XXXX XXXX : I will be posting the details with XXXX on a separated compliant : i have over 200 statements from PNC opening an account for my son and sending us both online bank cards, then letters stating they would closed : No verbal nor written reason was given and the documents received do not reflect abuse however they reported this to early credit warning as Abuse : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOA AND PNC HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR XXXX AS WELL. 

Account # : XXXX CLOSED XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: CA
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 tried and tried i have given Experian the proof to correct my consumer report, experian has been violating my consumer rights day in day out. i have asked for REAL VERIFICATION DEMANDED THAT THEY SUBSTANTIATE THEIR CLAIM TO VERIFICATION OF ACCURATE REPORTING BY PROVIDING ME WITH NO REAL DOCUMENTATION TO BACK UP THEIR INVESTIGATION. EXPERIAN JUST TELLS ME THAT THEY INVESTIGted, but no proof is given to me.. PLEASE HELP ME CFPB, PLEASE HELP ME WITH EXPERIAN.THEY LOVE VIOLATING FCRA LAW

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 2021-03-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The name XXXX XXXX XXXX should not be on my credit report. I have never used that name. I want it removed from my credit history. 

Also, XXXX XXXX is appearing on my credit report and this creditor abandoned the account inXX/XX/XXXXthey stopped collecting payments from my bank account. Previously I had made payments monthly from XX/XX/XXXX to XX/XX/XXXX The balance history is also wrong. 

XXXX XXXX  and XXXX XXXX credit card services forgave my debt and issued me a 1099 for XX/XX/XXXX of the amounts forgiven. They need to remove the debt from my credit report T. 

Finally, my credit score dropped 21 points in one day even though I reduced my debt credit usage from 93 % to 77 % and have paid off a loan recently. I want my credit score restored. 

Also, the fraud charges of an XXXX credit card that I never received and never used are still showing up on my credit report. XXXX credit cards are operated by bank in Maryland called XXXX XXXX. This needs to be removed as well and my {$300.00} deposit refunded to me immediately.

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 2023-04-01
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
ATTORNEY GENERAL- XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX and experian credit reporting agency XXXX to report improper payment information and violate 15 usc 1681 ( a ) and for years make up information about payment history that decreases my credit score. they have for over 5 years never corrected it. They continue to report 11 late fees no matter how much time passes or when others fall off they just magically change the payment history. Please help im ready to file a lawsuit for years of oppression. i have contacted them about the inccorrect information and experian continues to let them report even though they have caught them several times reporting inaccurate information. Other companies have removed them totally for this action. But experian continues to allow them to report and harm my credit report as a way of retaliaton. Please help stop my pain and suffering.

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