BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
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: Account information incorrect

Complaint:
I had opened a secure credit card in the amount of {$300.00} that I started with XXXX XXXX  back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX  and Transunion still will not remove this incorrect information.

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 2022-01-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
- td bank charged me excessive overdraft fees and they wont give me my money back. 
They credit my account and they debit it in a same time. 
I paid excessive overdraft fees for the last 2 years

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 was recently just released from XXXX, after 8yrs, only to find out that I been a victim to identity theft, my personal information has been seriously compromised and has left me in a rut. After reporting this thru the proper channels, I begun familiarize my self with the rules and laws of the FCRA. However, I chose this way first, demanding that the following unauthorized accounts be removed and blocked from my credit files. With Respect. 

1 ) XXXX XXXX XXXX {$630.00} 2 ) XXXX XXXX XXXX  {$720.00} 3 ) XXXX XXXX XXXX {$XXXX XXXX ) XXXX XXXX {$2100.00} 5 ) XXXX {$750.00} 6 ) XXXX XXXX XXXXce {$240.00} 7 ) XXXX XXXX XXXX {$2000.00} 8 ) XXXX XXXX XXXX   {$510.00} 9 ) XXXX XXXX XXXX {$180.00} 10 ) XXXX XXXX XXXX {$270.00} 11 ) XXXX {$11000.00} 12 ) XXXX XXXX XXXX  13 ) XXXX  14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16 ) 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 explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had opened a secure credit card in the amount of {$300.00} that I started with XXXX XXXX back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and Experian and XXXX  still will not remove this incorrect information.

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 2020-01-18
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: Was not notified of investigation status or results

Complaint:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
PNC has two mortgages filed with XXXX XXXX, which both mortgages have XXXX balances. We were scheduled to close on this property, as sellers, XXXX XXXX, XXXX, however, have been unable to close due to PNC not providing payoff documents to the title company for these two mortgages. The title company has requested payoff balances to prepare their documents, and I have spoken with the following PNC individuals regarding these mortgages ; XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Left message for XXXX XXXX, XXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Followed up with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX, XXXX XXXX/XXXX/XXXX - Received email from XXXX XXXX, XXXXXXXXXXXX XXXX/XXXX/XXXX - Met with Branch Mgr - XXXX XXXX, XXXX XXXX/XXXX/XXXX - Stopped in at branch in a.m. for follow up with XXXX XXXX. He was unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XXXX was taken out of my account Fraud I never lost my card and nobody has my number So Im assuming it was a hacker So Wells Fargo bank offered me fraud protection When I signed up I submitted a claims report That got denied I assume because its a large amount There reason for denying is because I logged in to my account and didnt catch it the first time They never flagged my account or asked if these purchases were made by me The activity on my account was so ridiculous Its hard to believe they didnt catch it It was with 3 websites Money was being drained for about 3 weeks Im asking myself isnt that the banks job to protect my money? 

They closed my claim And told me tuff luck

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 2020-05-06
Company: EQUIFAX, 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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been fighting with all three credit bureau for two years now. i have been sending letters by certified mail to dispute things on my credit report .they have not taken the time to fully investigate anything. for example if i dispute four things with XXXX they will dispute one item then remove it from my credit report then two weeks later the same information pop up but under a different debt collector name. 

XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX All three continue to disregard any request to fully investigate. Every letter that was sent have been notarized.Within a week these credit bureaus will come back and say they have fully verified all the information on my credit report I thought it normally take 30 days to investigate. They allow any company out there to report false information on your credit .This has caused alot of stress in my life, the fact that they allow this thing to happen as if they just get paid just to report and dont care on the lives they ruin in the process. This needs to stop.

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 2019-04-09
Company: EQUIFAX, 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:
four accounts are reporting on Equifax fraudulently, these accounts do not belong to me, and per FCRA laws these if the accounts are fraudulent it should not stay on someone elses profile, but these are and it has made my life very much unbearable and stressful.

please i need these inaccuracies to be deleted or removed from my equifax credit file, m they have not been friendly nor have been helpful.

i think they have a glitch or something, their system is not working well and very much stressful. i have already provided my police report and FTC report to them but no use., somehow i researched and i am writing this complaint regarding them. i will be attaching my paper work and the accounts names and numbers shown on the FTC report. will be letting you know which one i have complaint about.

appreciate your help and understanding.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2016 Portfolio Recovery Associates falsely reported to my Credit Reports that I owe them a debt of {$460.00} that was not mine. My identity was stolen by my ex-husband. He opened up credit cards and sent all kinds of collections to my Credit Report. I have successfully removed all of them except this company. They wont even talk to me, they just yell at me. One of them even cussed me out when I was on the phone with them trying to do a pay for delete. I need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid several mortgage payments to my loan servicing company to pay off the loan before the end of XX/XX/2019. My last payoff was {$1900.00} including the loan recording fee of {$98.00}. I paid an additional {$5.00} and a payment of {$1900.00}, just to make sure the interest was overpaid. I called up Rushmore Loan servicing a few days later and they applied the payment to the XXXX payment and put the rest of the money into a suspense account. They told me the next payment is due in XXXX XXXX. I told them the loan was paid in full according to the payoff amount I received. I spoke to many customer services reps and each morning I checked the account, there was a different balance. Rushmore applied all the payments in XXXX to XX/XX/XXXX-XX/XX/XXXX which affected the interest and the escrow. My escrow balance was over {$300.00} in the middle of XXXX and in XXXX it dropped to {$170.00}. Very confusing since I pay the taxes and insurance. I was supposed to have my title in my possession by the end of XXXX XXXX, because I had a buyer for my residence. I called up Rushmore each day, but very little response. The buyer got frustrated with me and went elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Penn Credit Corporation
State: PA
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 couldn't get a hold of them. Updated PENN CREDIT CORPORATIO Account XXXX of them. XXXX reported me, and I never received, and bill and no nothing about it and I can't get a hold of anyone, and I get disconnected PENN CREDIT CORPORATION Account Name XXXX Account Number Collection Account Type XXXX XXXX XXXXXX/XX/XXXX Date Opened Collection account. {$420.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$830.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$420.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
State: OR
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 was never late, I have talked to XXXX XXXX representative and told her that I made the payment but XXXX XXXX system DIDNT process the payment, it was not my fault, but Their fault. 
I talked to an individual at your company and they acknowledged the error and I was told it will NOT show on my credit report. I have paid my entire balance.

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 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
please removed this unknown credit inquiries from my report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-07-05
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I moved from my home in XXXX. At the time of the move, I notified XXXX XXXX XXXX, which provided curbside waste collection, to close my account and provide final billing. I paid final billing. Years later, in XX/XX/XXXX, I was contacted by a credit collection service, XXXX XXXX, regarding an account which XXXX had sent to collection ( stating original amount owed {$210.00}, then due {$340.00} ). I spoke with Phoenix rep several times and provided proof of my communication to XXXX closing the account. They took in for review - and to my knowledge, closed the file, but I did not get confirmation of that. In reviewing my credit report, I see that this remains as a derogatory action on my credit report and wish to have this removed. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2021-09-10
Company: HYUNDAI CAPITAL AMERICA
State: CA
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 did not give XXXX XXXX XXXX permission to run my credit on XX/XX/2020 I asked for the information to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My XXXX XXXX balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with XXXX  because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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:
I HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The previous addresses reported on my behalf are incorrect.

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 2018-02-14
Company: WELLS FARGO & COMPANY
State: SC
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:
Wells Fargo Executive office has worked on a current dispute for over 3 -4 months, during this time Wells Fargo charged me interest and applied a 30-60 days late on all credit beaures this merchant was paid on time, and I was never delinquent or defaulted on this loan. The creditor has ignored requests to remove this and todate the creditor have not provided a closure letter regarding this dispute. The creditor failed to remove {$870.00} from 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 monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
State: GA
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 report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take XXXX action.

Company response to consumer: Closed with explanation