BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: AL
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the fair credit reporting act XXXX  Account # ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In accordance with the fair credit reporting act XXXX  Account # ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violate my rights. 
15 U.S.C. 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a Target Credit Card in XXXX of XXXX. I charged the account that day since the cashier did my application and gave me a temporary bar code. The amount was about {$3.00} and some change. They stated I would receive my card in the mail but I did not receive it and I was so confused about everything that I thought I had paid cash back in XXXX, so I thought I decided not to put a balance on it until I received my card. Months went by and I decided to call to see where my card was, because you normally do n't get any bills when you do n't have a balance on a credit card. Then they sent me to the collections department of Target and said I owed about {$7.00} and some change. I told them I did not receive my card or any bills at my address. They later said that I gave them an incorrect address and everything was being forwarded back to them. They also said I gave them the wrong address, when I remember giving the cashier at Target my driver 's license that has my address. I paid the amount I owed, and they took off any charges on their end and said for me to call within 24 hours, so I did. Then later I told them that this is affecting my credit, and it should not affect it because it was their error. They stated they would send me some sort of form to submit to the credit bureau, I did n't receive that either. So now I ask for them to fix this because I did not receive anything from them and I should n't be punished by having a horrible credit score, just because a retail store can not get an address correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Marlette Funding, LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX XX/XX/2021 I called BestEgg via phone and requested my auto payment to be canceled due to changing banks until further notice. The request was said to be done. I made a one time payment from XXXX via Bestegg website. One time payment of full payment due amount {$890.00} from XXXX on their website after the phone call. 
XXXX the auto payment was canceled so I made a one time payment from a new bank XXXX XXXX, the payment was successful. 
XX/XX/XXXX, I am confused why the XXXX account is on autopayment and then uncover BestEgg double billed me in XXXX. I made a one time payment from XXXX XXXX and an Auto Recurring from XXXX. I asked again for the autopayment to be canceled on XX/XX/2021. 
The bestegg.com website itself does not allow me to setup any auto payment, only one time payments. Bestegg must have decided to help themselves to my XXXX account in XXXX. Called Bestegg on XX/XX/2021 to discuss this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

WELLS FARGO BANK is reporting late, yet it is closed in my Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2018-01-05
Company: TRANSWORLD SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
have been calling for months in 2017 each day 2-3 times per day. 
It is a scam as I do not have any debts. 

Transworld systems asking us to call a XXXX XXXX ' at XXXX for a case number. We are not calling as we do not want to encourage this scam. 

Transworld Systems needs to take our number out of their system. We are unable to find out how to do this. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Cornerstone Home Lending Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Cornerstone Mortgage in XXXX to get started on a modification after being on a covid forbearance. I was sent a modification packet which I filled out and then sent back in. I then called to confirm that they had received ALL of it which they said they had and to wait 30-40 days. Now about a month has passed and I have just received a letter stating I am signed up for a deferral program with my first payment date being on XX/XX/XXXX. I didn't ask for a deferral, I requested a modification. This is a simple Flex Modification for a conventional mortgage that was in forbearance due to a loss of income from COVID. This servicer is awful. I have called four times today and been hung up on twice. Most of the contacts don't know what I am referring to. No one knows what is going on. I have wasted a month trying to get a Flex Modification and gotten no where. I am desperate for someone who has an idea of what is going on with the Cares Act and the standard process of getting off of forbearance. They are now stating that I don't qualify for a modification and are forcing me into a deferral. This servicer doesn't understand what is happening and I believe they are putting everyone on deferment even after the customer has requested modification. Please help! They are forcing me into a deferral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
My loan with XXXX XXXX XXXX for my XXXX  XXXX XXXX was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.

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 2020-11-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Two days ago paypal sent me an email notifying me about a permanent account limitation.I can't no longer send/receive nor withdraw my funds. I reached out to their support team by mail and phone and they couldn't provide with any reason for the aforementioned limitation. They agreed with me that i didn't violate any of their terms and conditions but they are not cooperating on solving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: MoneyLion Inc.
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: Information belongs to someone else

Complaint:
I have a money lion account on my credit report thats an negative mark i believe its fraud i do not recall working with that company or giving them my info Im trying to build my credit and this report is in my way i would love if it can be disputed thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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: Investigation took more than 30 days

Complaint:
I recently sent a letter to XXXX, Equifax, and XXXX  on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I had a loan with Bank of America about 3-4 years ago, due to becoming unemployed for a year I was unable to make car payments which forced me to return the car to the lender. I received docs showing the car was sold but way under pay Ans it showed a balance then later I noticed that the acct was charged off. I never received any attempts to collect or make any payment arrangements, its been difficult the last few years specially after COVID. Ive been attempting to start my photography business going to increase and improve income for me and my family. Last week I had an accident with my equipment and my renters insurance send me funds to fix it. The funds were transferred to my savings acct to fix the issue and Bank of America too the funds. Just found out they took it for the charged off loan. Im not too happy of the way things were handled they did not attempt to contact me. Notify me or make any arrangements. They forced me to make an arrangement now which it will be difficult since my gf still unemployed due to COVID but they didnt care. They said that I agreed to that back in 2005 when I open the bank acct with them.

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 2021-11-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Convergent Resources, 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:
Convergent Outsourcing is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Convergent Outsourcing is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent 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 explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: Santander Consumer USA Holdings Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX/XXXX/XXXX I paid Santander, via XXXX certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my XXXX account and posted to my 'closed ' Santander account. On XXXX/XXXX/XXXX, XXXX credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, XXXX reversed the credit to my checking account. When I inquired, I was told by a XXXX customer service representative that a representative from Santander confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with XXXX and Santander to correct this situation to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14
Company: Sequium Asset Solutions, LLC
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:
Sequium Asset Solution is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Sequium Asset Solution is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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:
My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on 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 2021-11-17
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA was bought out by PNC bank. We were assured the transition would be seamless. However over the bank transition weekend we had no access to our accounts online. I was unable to access my accounts for several days afterward resulting in overdrafts and fees. Once I was able to regain access my accounts were no longer linked and I was not able to transfer money between them online or through the app but had to either go to a branch or withdraw cash from one account at the atm and deposit it to another ( which didnt always work depending on the status of the atm ). I tried getting help at the local branch but received different responses and no solution. Customer service never answered phone calls. I did not receive help until I posted complaints on social media where I was advised to complete an account linking form and was told the problem would be resolved by the following week. That was XX/XX/XXXX and the problem has not been resolved. The leadership of PNC has failed to acknowledge the distress and inconvenience this transition has caused. I have contacted PNC twice since the XXXX to check the status of my request and have only been told I have to wait for the process to be complete. This process was something I had and appreciated as a BBVA customer and was assured that it would be available to me as a PNC customer. I didnt not ask for this merger to occur and it caused me weeks of emotional distress and extreme inconvenience as a small business owner that continues to occur.

Company response to consumer: Closed with explanation