BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-02
Company: Experian Information Solutions Inc.
State: AL
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:
Please help me with this account, its paid in full and shows late payments from XX/XX/XXXX to XX/XX/XXXX. We did make the lower modified payments they asked for FHA Loan.We have XXXX kids and this is hurting us whenever we go for a car loan or refinance a mortgage. Please kind help us and our family will be thankful to you I am not satisfied with their reporting to Credit Bureaus because they are using an old code. The AC code was the closest fit so they used that to damage our credit history. XXXX XXXX XXXX executive, confirmed that it reported borrowers who made timely payments before and after agreeing to loan modifications as making only partial payments. Presumably, the bank used the AC code, which damaged the credit of many borrowers. The fact that the AC code signals that a consumer has made only a partial payment. 

That had a significant impact on the score with a good credit because I made all of their payments on time. The new CN code signifies a loan modified under a federal government plan similar to the one we had under Obama FHA Loan Modifications. It should have no impact on credit scores. So thats what they need to do. Change the code To CN

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 2022-08-14
Company: EQUIFAX, INC.
State: KY
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 received a copy of my credit report and noticed some hard inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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 was sick with XXXX  and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?

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 2019-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Found individual who posted XXXX XXXX tickets vs XXXX XXXX for Thursday XX/XX/2019. Invididual mentioned they were unable to attend due to work and that tickets would be transferred via XXXX. I asked for a screenshot of tickets and they did. They originally suggested XXXX to transfer money but XXXX was saying an error would occur when attempting to send so we switched to XXXX XXXX. As soon as they received the money ( {$280.00} ) via XXXX XXXX  they stopped writing back and picking up the phone. 

I contacted XXXX XXXX  today who said since the transaction was complete ( scammer auto accepts payments ), there was nothing they could do and suggested I contact the scammer back for a refund. They mentioned that they monitor users accounts daily for unusual activity, but yet can't accept a complaint or flag from my call to report to the account. The only other suggestion was to open a police report and they disclose information to them. I have a hard time believing they're doing their job when XXXX blocked the trans but XXXX XXXX easily accepted it. 
I then reached out to Bank of America who said I could dispute through the app and it would take over 30 days and there's not much that can be done.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I tried calling all 3 reporting agencies to get those inquiries removed but was unsuccessful. At one point I had almost 30 inquiries just in a months time. But I managed to get many removed. I never knew so many inquiries would damage a person 's credit so badly. This problem has drained so much energy from me, that I just can't handle by myself anymore. Thus deminishing my credit score. According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission. According to 15 USC 1681 I HAVE THE RIGHT OF PRIVACY.

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 2022-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit card with XXXX XXXX XXXX XXXX has been closed by Equifax which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: SYNCHRONY FINANCIAL
State: NJ
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:
synchrony bank- pep boys sold my past account to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. the collection agency said once I paid off the balance due, they would remove the charge-off then list the account as PAID IN FULL, not a paid collection or settlement. after paying off the balance, they refused to change the status from charge-off to PAID IN FULL, as agreed. I was informed they could not do it because they did not do the reporting to CRA. they said only synchrony bank-pep boys could remove or change the status. unfortunately, I did not record the conversation, as they always do. i reached out to synchrony bank-pep boys as the collection agency instructed me to do, they said there's nothing they can do. please help

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 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
In XXXX of XXXX, my card number was stolen and many instances of fraud were captured. Bank of America 's system alerted my phone to the transactions and I responded saying none of them were mine and to cancel them. 

A few transactions on XX/XX/XXXX were not refunded including {$240.00} at XXXX XXXX and {$74.00} at XXXX. I called Bank of America to dispute these and they filed a claim. Unfortunately, the attendant at the call center misheard me and also included a charge from XXXX XXXX XXXX at XXXX for {$7.00} which is a transaction I made and told them. They denied my claim saying that I made the purchases. I called to appeal and told them to remove the XXXX XXXX XXXX purchase but that the XXXX XXXX and XXXX purchases were not mine. 

Later, I went in to a Bank of America branch in XXXX XXXX to follow up and a XXXX there helped me appeal again but now it just says online that is has been " researched '' for the last 5 months and for some reason the Marshalls charge was dropped so they only think they owe me the {$240.00} from XXXX. I am still looking to be reimbursed for the XXXX and XXXX fraud which would be a total of {$310.00}.

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 monetary relief
Consumer complaint received 2021-05-06
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the creditor XXXX XXXX for two debts I owed to the companies in XXXX, 2021. I disputed this with all three credit bureaus. I disputed with XXXX two times with satisfaction of judgment letter from the creditor owed ; however, XXXX investigators concluded the amount owed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PNC Bank N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PNC Will not let me link my account to XXXX or XXXX for seemingly no reason. An error just occurs every time I log in to link my account. XXXX poor from PNC. I am not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received letters in the mail for credit cards I have never applied for. I have never in my life applied for a credit card. And I think I know who's doing it, because this person is already had several fraudulent cases pending against them. I have no idea how many or even if it's just limited to personal credit. On XX/XX/XXXX by a bank called comenity capital bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: FCI Lender Services Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working really hard to save my home since my XXXX. Unfortunately I was going through a legal battle with my ex that she did not want to sign the quit claim deed. My investor was ready to give me a plan to save my home but I was helpless. I finally sent the quit claim deed to them and now they are saying that its too late. I don't have a foreclosure sale date and I just want to save my home. I have worked really hard to get where I am now and I would hate to lose my home because of one document that I had no control over.

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 2023-02-10
Company: Experian Information Solutions 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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 CAXXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked these companies to remove the fraud alert on my credit report. I have disputed many things that I dindt authorize or is not my account. Yet the reporting agencies wont help or remove yet post my file as a fraud alert. 

I have attached my texas drivers license.

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 2017-09-18
Company: Innovis
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: Account information incorrect

Complaint:
CBCInnovis was asked to forward me immediately my Tri-merge credit report in its entirety, per loan application for refinance of my beautiful home here in XXXX, GA. 
TO-DATE its been over 3 weeks since requesting my Tri-merge credit report to use as evidence against XXXX, XXXX, and XXXX in Federal Discriminatory complaint for suppression, compromise, delays, altering, false reporting of balances to suppress credit scores. See what both CFPB, XXXX XXXX XXXX XXXX do n't understand, number one, I 'm in control of my XXXX  credit file, and I 'm pending over XXXX XXXX dollars in entitlements, upon receiving proceeds, I 'm going to find the badest XXXX Consumer attorney to sue all listed here, each party will have their General Counsel department to try to reach out and offer a settlement, but no can DO, {>= $1,000,000} LAWSUIT for Discriminatory Practice, look at XXXX, you DODO Birds, you 've been dishonest with XXXX Consumers, you 've been Discriminative toward XXXX Consumer, but look at you know DUMBBELL. See I tried to tell each agency list in this complaint, as an professional I use to receive the XXXX XXXX XXXX report, XXXX reports , XXXX XXXX XXXX XXXX credit reports of consumers, I know how to read the Fair Issac modal and other modals so who 's the XXXX  DODO bird here, its not me. CBCInnovis you folks are a joke, you are not STOPPING me from doing business, I see what 's being done with the XXXX suppression and delaying of corrections to my credit report. Now CFPB I went up against others, XXXX XXXX XXXX in XXXX, it equated into {$110000.00} Principle FORGIVENESS, thanks to XXXX XXXX, XXXX XXXX, and the one and only Beautiful XXXX XXXX ( D ) CA, listening to and studying the POWER of the LAW, it will yield a profit, so CFPB, if its the Feds position to get in bed with XXXX XXXX XXXX XXXX to further attempt, and notice I SAID, Attempt to suppress my credit report to try to STOP me as an XXXX Consumer the right to create, control and maintain a Powerful Buying Authority as an Consumer. I 'm a Fighter, I legally FIGHT BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: CITIBANK, N.A.
State: NJ
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:
I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.

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 2023-01-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is my XXXX time complaining again in cfpb for my citi bank closed account full fund not received. Suddenly citi bank closed my account without letting me know the reason and giving me my fund. They XXXX  me a lot with my money. After claiming in cfpd first XXXX times, they gave me half potion of my money. I had XXXX on my account but they only gave me XXXX but rest XXXX they never gave it back to me. Everytime i call them they never gave me correct information and everytime i call them they make me wait XXXX hours and hang up on me. Last time I claimed at cfpd, citi bank contact me and told me they think XXXX} doesn't belongs to me and they will give that money to XXXX. I have tried to contact XXXX so many times, the informed me they never received any money from the citi bank. Those money I got it from unemployment in XXXX time. All I want my full money back from citi bank, which is XXXX. I have started XXXX college and I'm paying out of pocket XXXX for my college. I didn't get any fedaral help or scholarship. I really need to get my money back from citi bank. They need to tell me where is my XXXX because they never gave me right 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 2020-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 Associates - On XX/XX/2020, I sent a Cease and Desist letter requesting they cease all communication with me. I sent it via USPS Certified Mail ( XXXX ). Today, XX/XX/2020, they called my home phone ( XXXX ) XXXX at XXXX XXXX from a phone number listed under caller ID as Portfolio Recovery ( XXXX ) XXXX. I answered the phone, confirmed they were indeed calling for me, then informed them of the cease and desist letter. She said, " Yes I see we have that on file, '' then proceeded to ask me how I would make payment arrangements for the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
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 am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
From XX/XX/XXXX to present, Transunion illegally deducted monthly fees of {$26.00} from my credit card without my permission. I never received any services for this fee. Moreover, their website does not have a way to stop the subscription despite my efforts to effect it in writing and by calling 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 monetary relief
Consumer complaint received 2021-11-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
RESURGENT CAPITAL SERVICE SAID THE BOUGHT A DEBT FROM XXXX OR SOMETHING BUT THEY ENDED UP PULLING MY CREDIT REPORT AND ADDIND AN IQUIRY TO MY PROFILE. THIS COMPANY CLAIMS TO BE A COLLECTION AGENCY, I NEVER DID BUSINESS WITH THIS COMPANY WHY ARE THEY PULLING MY CREDIT? COLLECTIONS AGENCY DONT PULL YOUR CREDIT, I CALLED THEM AND THEY ACTING LIKE THEY DONT KNOW WHAT IM TALKING ABOUT. IF THEY DONT KNOW WHAT IM TALKING ABOUT SOME TYPE OF FRAUD IS GOING ON IN THAT OFFICE. THIS IS CRAZY TO ME THEIR TRYING TO BULLY ME INTO AN IQUIRY I HAVE NO IDEA ABOUT.

Company response to consumer: Closed with explanation