BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: UT
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:
XXXX/XXXX  is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX/XXXX  is reporting a negative balance and negative account since XX/XX/2013 and the account was taken care of in the loan modification in XX/XX/2013.

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 2019-05-08
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:
On XX/XX/XXXX I submitted a complaint with the Consumer Financial Protection Bureaus website to get assistance in correcting this information and Trans Union added more fraudulent addresses for out of state. Now I am submitting an additional complaint and hope this can be expedited so that I can be done once and for all with this. On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX) and I have never lived out of state. On XX/XX/XXXX, I paid an additional {$24.00} to my credit monitoring account to refresh all three bureaus and noticed Trans Union added more out of state fraudulent accounts and an unauthorized inquiry also. I contacted Trans Union directly and they advised they were unable to help with anything at this time. The level of professionalism was unacceptable as a consumer and now I am writing to the CFPB for assistance once again.

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 2021-08-05
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello there, I complained about my saving account ended by XXXX. I transferred money back to my bank account. I found out that my lock was locked on XX/XX/2021. I complained the quality of service ( QoS ) 1. I chatted online. He told me to call XXXX to unlock it. I called the umber. It was out of office hour. 
2. I chatted online again. He told me to call the same number with option 2, option 1. The CSR asked me to write a letter to Citi without any instruction. It was so weird. She can not sent me an message to XXXX. But she called me to verify it. 
3. I called again. The CSR verified my information by text message with the same phone number. He told me the department is closed and office hours 8-6 but online chat told me it is 24 hours. 
4. I called again next day. He could not send me text message and call me to verify my info. It is ridiculous for the same company, they dont have the same quality to keep the QoS. He told me my account was unlocked. When I tried to transfer again. He told me I had to send my utility bill with fax number XXXX. He tried the XXXX XXXX but the citi used my discontinued phone XXXX, which was not in my profile at least 3 months ago. I dont know why they keep the old number there. I did not fax the documents as required. 
5. After I complained, Citi Executive Response Unit contacted me on XX/XX/2021. She asked some information, but she is not that helpful. She can not make final decision. She called me 3-4 times and sent 12 emails to ask my three different utility bills : Electric bill, Cable bill, and city water bill. To verify my information. However, until today ( XX/XX/2021 ), my saving account is still locked. 

I can understand citi want to keep the account safe to lock it. However, it does not have QoS to unlock it. I spent almost eight hours and 31 days so far without unlocking my account. Please close my account and mail a check back to me by home address or mail address : XXXX XXXX XXXX XXXX XXXX, GA XXXX OR XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX GA XXXX. 
It is very horrible experience and one company very excited to torture it customers. 

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 explanation
Consumer complaint received 2021-03-08
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
PDQ Services , Inc, have repeatedly tried to collect on an invalid bill for dental services, a cleaning, provided by XXXX XXXX XXXX on XX/XX/XXXX. Upon receiving a collection notice from PDQ, dated XX/XX/XXXX, I responded via mail to PDQ on XX/XX/XXXX, notifying them the claim was invalid and was in fact rejected by the insurance company because it was a duplicate already processed. I sent a copy of the EOB confirming the claim had already been paid by insurance and confirming that the billing in question was a duplicate and invalid claim. 

PDQ refused to correct the error and mailed me a second, threatening collection letter, dated XX/XX/XXXX, to which I responded again in writing on XX/XX/XXXX and provided another copy of the EOB confirming it was an invalid and duplicate bill. I followed that letter with a phone call to PDQ, during which they acknowledged receiving my correspondence and apologized for the error. 

On Sunday XX/XX/XXXX, I was notified by XXXX card services that PDQ had entered a derogatory claim on my credit record for failing to pay the invalid invoice referenced above. As a result my credit score has dropped and so far, one creditor has reduced my availability already, as a result of the fraudulent, derogatory information added to my credit record. 

Id like to pursue all options under the law to hold this abusive collection agency accountable for their illegal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: EMBRACE HOME LOANS
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our loan was refinanced in the summer of XX/XX/XXXX. Our first payment was due XX/XX/XXXX under the new loan. We tried multiple times to submit our payment using the online portal, but our payment was continuously denied. After troubleshooting, it was determined that the error was on XXXX 's side, as they were using the wrong bank account/routing number, despite us submitting the correct information multiple times. Needless to say, they were unwilling to move our first payment due date to XX/XX/XXXX to compensate for their mistake. Since that time, the payments were applied in a manner not consistent with our expectations, and we fell further and further behind accruing fees and other charges. In XX/XX/XXXX of this year, the lender refused our monthly payment, sending it back to our account. We submitted a package of loss mitigation documents to the lender on XX/XX/XXXX and involved a representative from HUD. The mortgage lender got back to us a month later stating they needed more updated documents, which were submitted. We received another letter saying our package was incomplete, and they wanted even more documentation. Today, XX/XX/XXXX, we received multiple notices stating our home was due for auction XX/XX/XXXX, despite having active loss mitigation activities ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
loans serviced by XXXX XXXX. I was mislead by customer sevice more than once re : available options for consolidation and refinancing. told it was a bad idea to consolidate. not informed re : forgiveness options for working as a registered nurse. as a result I could only afford to make interest payments and was not given proper information until loans taken over by Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
TransUnion continues to report account items as included in a bankruptcy that what deleted as inaccurate from my credit file in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

The items are below : ACCOUNTS XXXX XXXX XXXX  XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX no bankruptcy on file XXXX XXXX XXXX no bankruptcy on file

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 2017-12-02
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello Beginning XXXX XXXX I disputed an amount on my credit report that was not owed. The attorney continued to call and Harass me about this amount of {$2100.00}. I explained I did not owe that amount. They refused to listen to me. 

Now the credit bureaus job was to gain evidence that the amount was inaccurate or correct. They continued to report that it was correct without even doing their job. Therefore this was to be deleted from my account within 30 days. I disputed 6x for an entire 8 months and no one listened to me. The Fair Credit Reporting Act states to verify and/or DELETE these inaccuracies within 30 days. They failed to do so. Why are they allowed to continue to keep this on my report inaccurate for 3 years? I want this deleted. I noticed recently that the price was changed, even after XXXX sent me a letter stating Paid in full, XXXX balance.

I 'm unsure why this amount is changed after almost 4 years. I called the National Credit Systems and they refused to delete it still. This is unjust to the laws that were put in place to protect the consumer. The new amount of {$620.00} on my report should be deleted and obsolete. 

I have been unable to secure a safe apartment for my children due to this inaccuracy that I reported in XXXX to all 3 bureaus MULTIPLE times for 8 months. Broken leases are not considered under any circumstances. 
This has gone on longer than the 30 day requirement to wait for an answer. 8 months longer. 
I want this deleted from my report as that was suppose to be done in XXXX XXXX after the inaccuracies were not investigated properly or deleted in a timely manner. 
How many people are being overcharged inaccurate fees that were not correct from the beginning? How many Americans are suffering with inaccurate debt placed on them due to a company mistake? I am not the only one. This should be stopped and the proper authorities should step in and give proper penalties to the bureaus and creditors for not following the Fair Credit Reporting Act accurately. Is n't that way it was written? 

Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: LA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX  obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.

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 2018-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card wasn't working so I finally called Bank of America and I was told the card was closed. Why was the card closed? I didn't call to close the account! This is my oldest card and Bank of America is trying to destroy my credit rating!

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 2021-09-16
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing regarding a late mortgage payment that was made to M & T Bank in XX/XX/XXXX. I have attached the letter I sent and the response received from M & T Bank requesting a goodwill adjustment. I also attached the latest correspondence received from M & T Bank after I missed my mortgage payment in XX/XX/XXXX. 

Previously, I had paid off a forbearance loan in XX/XX/XXXX for {$16000.00} to M & T Bank. 

After I received M & Ts response, I did a little research on the Cares Act 2020. Should I have been given consideration under the Cares Act for M & T Bank reporting my late mortgage payment to the credit bureaus?

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 2021-09-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX you closed our Savings Account without notice, and never sent our money to us. total of {$120000.00} plus the interest owed for the month of XX/XX/XXXX, plus the {$5500.00} deposit you cashed on XX/XX/XXXX from XXXX XXXX  ( XXXX ). ( This has been verified you cashed this deposit by XXXX XXXX  on XX/XX/XXXX while our account has been closed by you. We contacted you on several occasions the last week and a half and have been hung up on, said your money is lost, we don't exist and so on .... at this point, this is considered fraud and stealing. we have a copy of the XX/XX/XXXX Statement upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is NOT a credit repair company. This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : XXXX XXXX XXXX and XXXX XXXX XXXX. Fraudulent accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX 3 accounts ), XXXX XXXX XXXX. 2 Collection Accounts : XXXX XXXX and XXXX XXXXXXXX XXXX 

I am asking EQUIFAX, XXXX and XXXX to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NJ
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:
Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, I did a trade in with Hyundai for my XXXX XXXX XXXX to XXXX XXXX. Hyundai was to do the payoff exchange of {$1600.00}. I have proof of check that was submitted by XXXX XXXX Hyundai to Hyundai. Hyundai is claiming that I failed to make 3 payments from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have explained to them that I have made each of those payments but was sent to my old account which is XXXX. My current account is XXXX. I made these payments electronically on Hyundai Motor Finance website. I had spoken with several Representatives and Supervisors from Hyundai. I have proof of my payments and had forwarded my bank statements to prove that I did make them. I faxed and mailed these documents in XX/XX/XXXX. They were supposed to rectify this by transferring these payments to my current account. I have been told by Representatives that they have seen these payments in the system and that they will be transferring to another department to finish the process. They towed my car on Friday, XX/XX/XXXX. I had to do get a car rental in order to get to and from my job and get around the way I need to. I am current with my payments. They have been charging me late fees since XX/XX/XXXX. They also did not accept my most recent statement.

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 2020-12-16
Company: Experian Information Solutions Inc.
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:
Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : Experian, XXXX  & XXXX, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, 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 explanation