BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: Experian Information Solutions Inc.
State: LA
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:
I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.

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 2022-03-10
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The credits are not being applied on my account. On XX/XX/XXXX, I made a return and I should get back 80 dollars. I see it on my statement as green as in credited but it isnt in my account. I had a 23 dollar return credit work out the same way. I showed as credited but wasnt actually in my account. Im not sure where my money is located but its not back with me like it should be. This is a new complaint for a new issue. Not a repeat complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled the account with Jefferson Capital Systems and paid the agreed amountin exchange for the account to be listed as settled in full. After payment the account was never updated and continues to damage my credit worthiness. I reached out them again concerning this account and haven't gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating 'No Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have reached out to XXXX  and Transunion for them to give me information on the bankruptcy information that they have listed on my credit report for over a year. I have asked them to supply me with whom they have verified the information with and my request have went unanswered. I have talked to the courthouse and they have stated that they do not supply the credit bureaus with the information and that it should be removed.

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 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. These issues were addressed to both Creditors and TransUnion but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule. 

XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry 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 2017-12-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About 3.5-4 years ago I contacted XXXXt to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a XXXX, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was XXXX months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Continental Credit Control
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 status incorrect

Complaint:
I have several accounts that were included in my Bk and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting calls from synchrony Bank from XX/XX/2018 until XXXX. They call me at least 5 to 6 times a day and before XXXX. I have answered and told them many many times on many occasions that the person they are calling for does not own this number and to stop calling me. They have refused to stop and continue to call before XXXX and all throughout the day.

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 2022-01-09
Company: ALLY FINANCIAL INC.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have transfer money to the same lady bank account 4 times in year 2020. I have waited over 1 year for her to deliver on her words but she did not honor her promise. I have taken out additional loan in order to have these sums to transfer to her, and have written email with her and have other document received to back up what she in her organization will do after she received the funds. But, she and the organization have never honored her words. And it is over 1 year now and they still do not honor their words, in fact, they are keep changing the price, increasing the price, that, no matter how much amount of money I send to them, is never enough. I have all documents to prove each time why I send such amount as she have requested, but they never once honored their words to deliver on their promise once they have received my transfer funds to her bank account. 

The dates below and the amount I have transfer to her bank account : 1. {$5500.00} in XX/XX/2020 I have split into 2 different transfer to send the total amount of {$32000.00} as : 2. {$15000.00} in XX/XX/2020 3. {$17000.00} in XX/XX/2020 This transaction was heavily funded from a loan I applied for online in order to send 4. {$25000.00} in XXXX XXXX I have called my bank to explain to them this situation, but, the bank said it is money transfer that I have authorized, therefore, they can not help me to get my money back. The same person that have received my transfer 4 times is a fraudulent person that is scamming me because they have not deliver on their promise. Please help me to get my money back as this is a lady scamming me of my money because I had believed she would deliver on her promise, but, not once did she delivered on her promised. I have all emails exchange with her as proof and each step of the documents to back up what she will do once she received the funds, but, it has not come true at all. Therefore, this is a scam. Please help me to get my money back.

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint on XX/XX/XXXX for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. Listed below are the accounts on my Transunion Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. 

XXXX. XXXX XXXX - This is a FRAUDULENT ACCOUNT! I did not open up nor have I ever applied for an XXXX XXXX Account. This account needs to be deleted! 
XXXX. XXXX XXXX shows 2 late payments - XX/XX/XXXX and XX/XX/XXXX. I have never paid this account late. Since the account has been paid in full, the creditor refuses to make the correction.

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 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of america notified me they were closing my direct deposit account and would not give any reason for that.the only thing that they would say is they were closing it and I couldn't do anything about it.the only thing I see is a fraudulentXX/XX/XXXX attempt for XXXX dollar with drawl the bank stopped

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 2021-10-23
Company: Granite Bay Acceptance Inc.
State: OK
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:
Granite Bay Acceptance accessed my credit file on XX/XX/2021. I have no business or collections with this company, thus they are illegally pulling my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
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: Old information reappears or never goes away

Complaint:
I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my XXXX and TRansUnion credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.

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 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX I refreshed my 3 credit scores and it came back with no score for Equifax stating XXXXNo Indicator on file '' and all of my history was gone! no accounts listed or anything just a blank report like I didn't exist or anything. I attempted to Call Equifax customer care team and they do not know what I'm trying to explain. I don't have access to my current score as it has since disappeared into thin air. I then attempted to get my Equifax report/score through different credit apps like XXXX and XXXX and I still did not receive a credit score or report back from Equifax. Either my credit file has some glitch or it has been mixed/split up. I can't get anyone at Equifax to help me with this issue and its been a huge stress to my life. Please recover my score and report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I finally received my XXXX XXXX card with my funds on it after waiting weeks when I did my money was on there but after like 3 days boa took my money leaving me in the negative balance everything I certify for has been taken I spoke with edd they said it was no fraud on my behalf so why has the bank taken my money no time frame of when it would be fixed I'm extremely discouraged and don't know what to do.

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 2017-11-02
Company: Experian Information Solutions 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:
Hi, I 'm XXXX XXXX XXXX that reside at XXXX XXXX XXXX TX, XXXX I 'll written several letters to Experian regarding inaccurate accounts on my report and to update my profile, which removing inaccurate information on my report. Such as. addresses, Names, phone numbers and social security number. I 'll call and sent out certified letters. This company has done nothing on my behalf. Since XXXX of XXXX, XXXX XXXX, & XXXX XXXX Sincerely XXXX XXXX XXXX Birth XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX, 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 2022-03-10
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is in regards to a duplicate account on both my Transunion and XXXX consumer reports. The XXXXXXXX XXXX XXXX account ending in XXXX is a duplicate under a different name XXXX In case these consumer reporting agencies need to be educated on the law, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 
There is absolutely no excuse for this type of negligence. I demand this invalid account be removed from my credit file immediately and permanently.

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 2021-10-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During my refinance, I was required to provide proof of homeowners insurance. The proof I provided clearly shows it does not expire until XX/XX/XXXX. 

Now, in XX/XX/XXXX, the Mr. Cooper has purchased insurance for me. 

Their letter says they have a website where I can upload documents proving my policy. However, the website, XXXX XXXX XXXX is broken. The popup window says " You must enter your e-mail address and if available, make a selection regarding whether you would like to receive SMS messages before proceeding. '' But there is no box to select SMS messages. There is no way to proceed. I can not upload my policy and get this policy canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our previous mortgage company, XXXX XXXX, paid our property taxes on XX/XX/XXXX in the amount of {$1000.00} to XXXX XXXX City Tax Collector . My husband also paid the {$1000.00} taxes to XXXX XXXX Tax Collector prior to the delivery of the escrow payment to the city Tax Collector. Our taxes are paid for XXXX XXXX XXXX, XXXX, NC XXXX. 

The city issued a refund of the mortgage escrow tax payment to XXXX on XX/XX/XXXX ( XXXX XXXX to XXXX  # XXXX {$1000.00} XXXX XXXX XXXX XXXX, TX XX/XX/XXXX TT ). Our mortgage was purchased by Freedom Mortgage sometime in XXXX. 
I tried to get in touch with XXXX XXXX  in XXXX and XXXX about the funds but since our mortgage company has changed to Freedom Mortgage. I was not able to get answers from XXXX to XXXX but understood and was patient with the process since the mortgage was just newly acquired. 

I then saw in our Freedom Mortgage payment history the exact amount of {$1000.00} as " funds received '' into escrow. I have called once a month since XXXX trying to get our account review and the overpayment of tax money refunded. I typically speak to at least three different Freedom Mortgage employees and get transferred between departments and get promised a solution if I call back next time wasting about two hours each call. 

I did feel like I was getting answers on XX/XX/XXXX when I was told our escrow account would be reviewed, we would get a refund back to our bank and a follow up phone call. Nothing has happened and it is XX/XX/XXXX. I just called this morning and have spoken with three different individuals and have politely expressed my frustration over the matter and continued to get transferred between the tax and escrow departments and was even asked by someone at the tax department " why I was talking to them when it wasn't her department that dealt with this '' as if I have any ideas to the inner workings of their company.

I am at my ends and have wasted a lot of my patience, a lot of time and am very frustrated with how dysfunctional and manipulative Freedom Mortgage has treated me ad my situation. I have been lied to and have been blown off for months. I hope to have my issue resolved but I more hope my problems and the inept attitudes of Freedom Mortgage gets brought to light.

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