BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HELP!!!!! 
Community loan servicing was my servicer until XX/XX/XXXX. I was approved for LOAN MODIFICATION on XX/XX/XXXX. And agreement send out on that date. I have signed the loan modification docs on XX/XX/XXXX and got the fully executed modification docs on XX/XX/XXXX. BUT the new Specialized loan servicing company who is servicing the loan now didnt got the new terms. and Im going back and forth and getting nowhere.

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 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX and contacted the police department. Please block and remove all information from my credit report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX : ACCOUNT NUMBER XXXX 3. XXXX XXXX XXXX Original creditor : XXXX XXXX : XXXX 4. XXXX XXXX XXXX Original creditor : XXXX XXXX : ACCOUNT NUMBER XXXX 5. XXXX XXXX XXXX : ACCOUNT NUMBER XXXX 6. XXXX XXXX Original creditor : XXXX XXXX : ACCOUNT NUMBER XXXX Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2023-12-02
Company: Block, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Cash App will not allow me to use funds on my card. It started with a dispute I had for a fraudulent purchase. After several attempts to dispute I noticed every time i would need to swipe my card for purchases it would state unusual activity and decline. I am limited to only sending/receiving money from other recipients. I can not make any withdrawals nor are payments able to be taken for bills when I have the funds in my account. I asked Customer Support several times if I could provide any personal information to clear up the problem and they continually state they have no further information to provide. Now they have removed my card from the app and it can longer be used. I still have funds in my account I can not gain access too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like a full investigation into this company and their practice of stealing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.

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 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting that my account ( s ) are updated. This is a lie. It's fraudulent. All the accounts are not updated. All the paid zero balance accounts are still being reported as if they were open. The accounts are not. Transunion XXXX and XXXX are not updated. 
XXXX XXXX XXXX is reporting the accounts are updated by removing remarks added to accounts. This is fraudulent because XXXX XXXX  did not remove/ delete the account. XXXX XXXX removed remarks stating closed and paid and on time but left the accounts on the credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: CITIBANK, N.A.
State: VA
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:
city bank Na Best Buy XX/XX/2017 and XX/XX/2017 made a hard inquiry which wasn't authorized by me and it is affecting my credit.

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 2023-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I learnt today that Wells Fargo gave me a mortgage forbearance during COVID that I did not request

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 2023-12-01
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my bank account and they said they would send the remaining {$400.00} that was in my account as a check but its been over 2 months and i still havent received it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: GA
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:
I had a bankruptcy that was XXXX by the court in Indiana 2 years ago and it is still showing on my credit report which is causing XXXX XXXX to deny my application for a card.

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 2022-02-06
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: Account status incorrect

Complaint:
XXXX XXXX still has a 90 day delinquent mark on my credit report although the account is current and has been current for more than a year. I've called XXXX XXXX to speak with them about the problem to which they responded that I should contact the credit bureaus. I did that and still no results. This delinquent mark is having a negative effect on my score.

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 2023-12-01
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Text and call me 100x a month, after I spoke to someone on the phone and told them this debt is wrong. I block the number and they call from a different number. This has occurred at least 7 times, They constantly harass me regarding a debt that is completely wrong.

The debt didnt even start with them, I do not understand how they constantly press me over something that is 1. ) wrong and 2. ) a debt they purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
on XX/XX/22 I reached out to this company as my final attempt to pay a debt owed. I was given this loan on a basis where my income could not meet the payback terms. I feel this is creditor abuse and I should have been denied this loan. I reached them to settle for 10 % of what I owe, if not I would file bankrupcy and they would receive 0 . I kept getting passed around as the company did not know how to assist me. I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: IN
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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

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 2020-03-05
Company: EQUIFAX, INC.
State: MI
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:
I have a charged-off account with XXXX XXXX XXXX XXXX -XXXX  XXXX. They are reporting incorrect information that is affecting my credit score. The account is charged-off ( since XX/XX/2018 ), and the last reported activity happened in XX/XX/2018. However, EVERY month since XX/XX/2018 to present XXXX XXXX reports me as being 90 days late to Equifax. How can they report me 90 days late on an account that is charged off?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I also told them they knew i was unemployed at the time and should never have given me a payment like that. I called them and explained I was XXXX and on ssdi. That I was not making much money and the payment was too high. That was the first conversation and then the car was repo 'd. my father who has since passed away from XXXX took care of the payment to get it back. Because he knew I was working on trying to find a way to fix my credit or get the loan down. I hired a credit agency because at that time I was hoping to find a way to buy a small home much cheaper then my XXXX rent. I told her I had called and begged them to take the negatives off since I was caught up. she told me to get another job. ok I'm XXXX I can't. then I hired a credit repair place I told her my issue XXXX the car payments and told her they don't care they won't help she said they would. did I explain about my surgeries I said yes they don't care. she called them and said your right I am so sorry they don't care at all.

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 2021-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery is harassing me almost daily. About 6 months ago I finally answered and they said I owed this debt from XXXX  XXXX about {$400.00} and I told them I don't owe anything, I currently have XXXX  XXXX and have bought a house and refinanced in the last two years and this debt is not on my credit. I have told them to send me in writing the debt and that I would like to have the calls stopped. It continued and I kept getting calls every day for multiple numbers and is beyond harassment. I sent a letter a couple weeks ago explaining all of this again to them and to cease and desist all contact with me. They have still been calling me, almost every other day. I do not owe this debt and I'm so frustrated. I looked up the company and there gave been multiple lawsuits against them for the same issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experain and XXXX must be crazy because they have not been disputing this account because they would of been told that they must XXXX out the balance and pass due to a cancel debt there is 3 letters from XXXXXXXX XXXX XXXXXXXX from XX/XX/2023 XX/XX/202 and XX/XX/2023 that states they told all thee credit agencies to XXXX out the XXXX account they told them 3 months ago yet they come back as accurately reporting a balance when they were told to remove the balance this is the proof and I was told by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that they should contact him personally for a 3 way call

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 2020-03-05
Company: SYNCHRONY FINANCIAL
State: VA
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 been in a lot of stress with my credit report. Mid last year, I checked that my credit report had a 'serious delinquency ' mark on my XXXX XXXX credit report. Upon investigation, I learnt that it was because of a credit card issued by Gap Inc. ( Clothing retail company ). The amont was  {$310.00}. I called XXXX XXXX and was able to file a dispute. This was cleared later the same year, a month after I filed the dispute. 

So, I had never used the Gap Inc. casr for any purchases and therefore I beleive they were able to clear it out. 

That same amount then showed up with the original creditor name Synchrony Bank ( XXXX XXXX XXXX ). I got that too cleared from XXXX XXXX. 

The amount still still shows in my XXXX  Credit report and XXXX  credit report. 

I need help in clearing this out. My understanding is that if the Gap Inc was able to signal me green, why has not this been communicated to all the relevant bodies. 

I have not been able to apply and have any credit approved because of this deregatory remark and failing approval cycles has further made my credit look bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2019 Hard Inquiry Transunion reported that have a hard inquiry from XXXX. I never contacted XXXX or asked for their service. I tried to Contact XXXX and transunion but no luck getting the issued resolved.

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 2021-06-17
Company: EQUIFAX, 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:
On the XXXX of XXXX I sent in my dispute letters to the bureaus because I have false information reporting on my credit report and I want that misleading information off immediately. I waited 30 days like I have been advised to and I have heard no response from the bureaus. I feel like I am not being taken serious and taken advantage of because I am a consumer. Section 611 ( a ) Cleary says that a failure to investigate these items within 30 days gives a reason to delete those items off of my credit report. I am demanding that you remove these items off my credit report or litigation will be filed due to the stress you have caused me. My information was also affected in the Equifax Data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.

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 2023-11-29
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Three separate fraudulent charges were posted to my Wells Fargo account between XXXX. The amounts were {$99.00}, {$99.00} and {$99.00} from XXXX XXXX XXXX XXXX NM.. I called Wells Fargo on the XXXX while 2 of the charges were still pending and the first had been authorized and disputed all 3. I was told that it would be processed and I should hear back soon. Now all 3 charges are showing as approved on my account.

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 2022-02-10
Company: VW Credit
State: CO
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:
I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared Chapter XXXX bankruptcy. VW Credit stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( VW Credit ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, VW Credit 's credit bureau reporting has since been updated to only state " Chapter XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my XXXX and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Snow and Sauerteig LLP
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is attempting to collect a debt that I dont know what it is I asked for debt validation and they sent a copy of a bank statement but nothing that I have signed. I also checked and they are not licensed in the State of Ohio to collect this debt where I have resided for the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX - REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST ; I AM ALSO A VICTIM IF XXXX  SECURITY BREACH, ALL INCORRECT INFORMATION NEEDS TO BE DELETED 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