BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
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:
I'M HAVING ISSUES GETTING MY DISPUTES SUBMITTED 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 2020-07-02
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I want to link my PNC account to my XXXX  account and PNC will not let me link my account. My account was linked and I was able to earn interest on the money that I automatically put into My XXXX account. PNC stopped this feature therefore I am losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from Transunion, XXXX, and XXXX, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # 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 2019-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
XX/XX/2019 called Bank of America the automated system to make a payment, I have XXXX and sometimes its the easiest way for me. I spoke that I wanted to pay XXXX which is more than required. It asked if I wanted to pay XXXX, I said yes and it thanked me for paying XXXX. I called back immediately and was told that they could not stop the payment and to call back the next day and they would refund me, and they had some problems with their system. I called and was told to call back Monday, I explained I had XXXX  and had bills to pay and that I needed it pit back. They said they were sorry and to call back I called back Monday and was told the same thing. As of today I have been charged XXXX from my bank for a bill not covered. I am not able to pay my Insurance as I need the money they took. I have been a good customer for years, yet they charge me a yearly fee and a high interest rate so I am never able to finish paying. I have XXXX boys, one in college and my husband has been out of work she we may end up losing everything.

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 2017-11-20
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX LL Bean refunded XXXX to a Barclay 's XXXX Credit Card. This card was closed due to very poor customer service in XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this refund and have been told I will get a check. Recently, XX/XX/XXXX, I followed up with Barclays and was told I would get a check and given case number XXXX. On XX/XX/XXXX, I called again and was told there is no such refund and the agent made a mistake and the cased number is invalid. 
I escalated this to a manager without resolve

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 2019-09-30
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
The last payment to XXXX was in XX/XX/2010 for account # XXXX. This account should be deleted because of it's age. It also appears 3 times instead of once. I only signed up for one loan. 

The accounts are then again reported a second time on my credit report under XXXX 's guarantor XX/XX/XXXX which gives the impression that I defaulted twice and owed twice the amount of debt i ever borrowed. 

I just spoke to XXXX at XXXX who was a supervisor ( ID XXXX ). He stated that XXXX never was able to reach me via phone once the account came to their office 4 years after my last payment. XXXX confirmed that XXXX never sent anything by certified mail and that they where contacting me at an address I had 13 years ago. They where not able to reach me by email or phone either. 

The loan was consolidate through another provider as I felt XXXX to be unethical, unprofessional, and incompetent. ( clearly nothing has changed ) There are multiple lawyers who say I can be part of a class action lawsuit against XXXX. I have submitted dispute and had XXXX remove these accounts. They still remain on Experian and XXXX. They are paid in full and too old to be 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 explanation
Consumer complaint received 2019-05-06
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 plan to get married soon, and a friend of mine helped me pull my credit report. And I swear the are collections listed that i have no clue about. Please assist me in removing this items from my report, so I can move on in life in a positive way. 

XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX {$16000.00}

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 2018-05-20
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Incorrect balance being reported by reporting agency

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified XXXX XXXX format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported item ( s )

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted the credit bureaus and the creditor. There is information on my credit report that is inaccurate and should not be on 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 non-monetary relief
Consumer complaint received 2019-09-30
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC TAKES overdraft fees after they have thier own way of clearing the purchases. I should have on fee but they keep bouncing my account at 4 fees at a time and I talked to the till I was blue in the face and it just happened again on XX/XX/XXXX thier process is off only the last transaction should have bounced as no now I have 4 fees at {$36.00} each and some of the transactions are keeps than {$5.00} and on 2 occasions {$1.00} and change ... WOW they left me on the side if the road with a dead battery because they need thier bounce fees and that left me stranded BRAVA I could have been killed but my sister who makes over a hundred thousand a year needs to steal my inheritance because gave freely all my life to her and her family so that gives her the right to lie and the world believes her because she throws money at everyone accept me and I am in the street ... WOW XXXX XXXX XXXX I need help in a morally BANKRUPT nation. Please have Mercy on my soul ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-20
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: Account information incorrect

Complaint:
Incorrect balance being reported by reporting agency

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 2018-12-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good Morning In XX/XX/2017 i have found some strange report on my credit file from unknown company " XXXX XXXX  XXXX XXXX '' but this collection is fraudelent and i do not have any idea where this is came from, i kindly ask you to investigate this case and delete this information from my report. 

Account number : XXXX Balance : XXXX $ Creditor Info : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Original creditor info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on 'black monday ' - XX/XX/2020 - received an email solitication from XXXX to purchase and XXXX XXXX or newer with Apple credit card and receive a {$50.00} XXXX  gift card. there were no other noted restrictions. I called Apple customer service at ( XXXX XXXX XXXX ) to clarify terms and see if the gift card could be applied to the purchase price. I was *clearly* informed that an XXXX XXXX would qualify and I could only apply gift card if I selected the 24mos pymt plan. I then went online as the representative advised, ordered the phone and used apple credit w/ the 24 mos pymt term. Part of the selection process was to choose carrier type or unlocked phone. There were no notices that not selected 'unlocked ' would result in not receiving the promo. I was told I'd receive the promo gift card as an email 24hrs after pickup. I then picked up the phone in an XXXX  store and asked the representative in the store on XXXX2020 about the gift card. On Thursday, XXXX/XXXX/2020, I called XXXX XXXX XXXX  to follow up on the gift card and was told today that I was 'ineligible for the promotion because I selected a carrier phone vs. an unlocked phone '. This was deceptively advertised, not clearly stated and I spoke with several representatives on the 800line and in store that did not indicate this would be cause not to receive the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-30
Company: AmeriCollect
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX {$150.00} Ammericollect : {$100.00} {$68.00} ; {$100.00} ; {$53.00} I sent a letter to the collection agencies XX/XX/2019, requesting for the debt to be validated, as well as reminding them of the HIPAA law, advising my permission was never given to the Healthcare providers to release my information to a third party. The debt was NEVER validated, nor was a response provided within 45 days provided by FCRA guidelines, that was outlined in the letter as well. XX/XX/2019, I sent a letter to all 3 major credit bureaus, XXXX, XXXX, XXXX disputing the accounts, providing attachment sent to collection agencies, also asking for proper investigation and proof of verification and what company verified it. XXXX investigated and removed the accounts. XXXX  and XXXX advised accounts being verified without any additional information on who verified it or how. I am aware of the Freedom of Information Act, which isn't being upheld from Credit Bureaus, nor collection agencies. Please REMOVE accounts!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX tranferred the servicing of this fraudulent loan, that I have been forced to pay them over the years. Ditech in addition of its knowledge that the mortgage lender was not XXXX XXXX XXXX, took the service of such fraudulent loan on XX/XX/XXXX with the intention to stole my property by conducting an evil plan with the aide of XXXX XXXX XXXX, XXXX by refusing payments. First they said, " we have to wait for all the documentation from XXXX XXXX XXXX it might take up to 60 days ''. Then they said on the 60 day " we still have not completed the transfer '', after the 60 days they said, '' we can not receive payments, you have to wait for a letter from us ''. We insisted that they could use the direct payment draft from our bank that XXXX, was using, but they insisted we have to wait for the letter. We made several calls to them the first one was in XX/XX/XXXX to XXXX who told us they have transferred the service to Ditech because they did not inform us. We called them right after and they replied what I wrote above, " we have not received the documents from XXXX you have to wait '', we called them several times each month. but they insisted to wait for their letter. but all of these was just part of their scheme because we discovered that Ditech Financial withdraw a payment on XX/XX/XXXX and then stopped the withdraw of the payments pretending they couldn't do it with the purpose to foreclose and stole our property. Then on XX/XX/XXXX they sent us a letter from XXXX XXXX stating, the full amount to reinstate the loan is {$6600.00} good to XX/XX/XXXX '' they also stated that some charges might not be used by that date. We paid them the entire amount requested before their due date. It was obvious they wanted to lead us to foreclosure to rob our property, because they knew XXXX and they did not own the mortgage because it was satisfied since XXXX. At that time we did not know of this fraud until three months ago. Ditech transferred the servicing to XXXX XXXX XXXX that also knew about this fraud on XX/XX/XXXX. We want an audit history that includes all the payment of principal, interests and fees. This crook had the audacity with the aide of its partner of crime XXXX XXXX XXXX to provide them when I asked for information from XXXX copies of fabricated monthly bills that they never sent, and fabricated letters stating, as if we asked them for a modification, and others as if we appealed their denial. which is a big lie. they again as XXXX and XXXX mentioned the name of a New York trust to be the owner of my alleged mortgage, which trust doesn't exist. The investors who are the ones that funded my loan based on my signature were fully paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
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: Information belongs to someone else

Complaint:
Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX  XXXX , XXXX/XXXX, XXXX/XXXX, XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Sun West Mortgage via XXXX XXXX XXXX ID XXXX. 

XXXX denied my application to submit to underwriting stating I did not meet FHA guidelines because I did not have a home I own and will be renting out via a lease appraised and that should could not accept the lease I had. 

Per FHA guidelines a current lease can be used to estimate rental income. 

XXXX is not an underwriter so she should not be preventing people from applying for FHA loans. 

I am now at risk of my contract falling through due to her and her companies negligence and incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice on my credit report for debt owed from Phoenix Financial Services. I called the company who is handling the debt. They started to read off dates and amounts, telling me they were " medical bills ''. I asked for written information on the debt owed, dates and who they were owed to. The guy informed me all he had to do was legally tell me how much was owed, he didn't have to tell me who it was owed to. He told me to call my insurance company to ask.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting that I was late XX/XX/2016, this reporting is not correct. I have tried disputing it with the major bureaus as well.

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