BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, Transunion have incorrect information on my Credit Report that that needs to be deleted within 30 days, The Information belongs to someone else with a similar name i mailed them many time about this. The following info is the claim numbers that were givien to me when we filed the claim. They promised me it would be deleted in 30 days and gave me the following confirmation, they have not removed it within 30 days so thats what this complaint is for. 

XXXX XXXX # XXXX Transunion XXXX XXXX XXXX XXXXXXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dispute reference # 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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Back in XXXX I began a modification process on my mortgage due to loss of income. I was given a trial period to pay a new amount. Once my trial began I made all of my monthly mortgage payments On Time. I have not missed a single payment. My mortgage company, XXXX, was awful. I had to constantly resubmit paperwork that they lost and they sent incorrect documents that I had to get notarized to finally approve the modification Eight times. My name was wrong, my county information was incorrect, they had a former resident on the paperwork, they spelled my name wrong after they corrected it. The entire process lasted from XXXX until XXXX. It took two years to finalize my modification. I spoke to managers, got personal promises and sincere apologies for their mistakes and the length of the process. When I was told it was completed after two years, they told me that theyd update my payment status. The entire time I was going through this modification, I made all my payments on time. They have never changed my payment status. As of now, they still report that I missed two years of mortgage payments. In reality they were collecting my payments and applying them to my modification but not reporting them as on-time payments. I have called and spoken to managers, they have given me their personal assurance they would fix the status and it never happened. I was told to submit a credit report dispute through their website- I did that twice. I have also disputed this through the credit reporting app XXXX XXXX, three times. This incorrect payment history has ruined my credit and reflects that I neglected to pay my mortgage for two years. This is not accurate and has prevented me from taking out home equity loans, etc. I have pursued every avenue to have this horrible company correct 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 non-monetary relief
Consumer complaint received 2020-07-05
Company: ALLY FINANCIAL 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: Information is missing that should be on the report

Complaint:
Ally Auto has not reported any of my payments since XX/XX/2019. This is impacting my credit as I'm missing positive payment history.

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 2018-09-24
Company: Experian Information Solutions Inc.
State: SC
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 entitled to payment of restitution as punitive payment for the continual inaccurate reporting which is driven by profit versus accountability and accuracy, I make such demand. 

Experian is reporting a credit card account for XXXX  XXXX Credit card, which isn't mine and applied for without my knowledge or consent, and to make it even worst concerning their reporting, the information that was used to apply for this credit card was known not to belong to me, yet Experian reported it anyway, which is a violation of the statue XXXX XXXX acct no XXXX, per XXXX XXXX was applied using the address of XXXX XXXX XXXX, XXXX, SC XXXX, which is known by Experian not to be my address, and applied with social security number XXXX, which isn't my social security number.

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 2020-09-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent full documentation to Experian because i am a victim of identity theft. there response is to send to them the same exact items that i have already sent them, so please see again my FTC REPORT and ss and ID

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 2020-07-05
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I linked a few of my bank accounts to Current bank so that I would be able to send funds to and from those accounts in the future. Current Bank responded by suspending my account and blocking access to all my funds and the account. I tried contacting support through their only support channel which is email. I've send many emails, and I haven't received a response for a long time. I need access to my account, and I have a return of a XXXX purchase which has funds being returned to my Current card. I also paid for a service which allowed me to have a teen checking account linked which is now no longer active since I've been locked out of my account. I paid for a year of this service, and now neither me or the joint account holder can access our accounts. This is unacceptable, and no bank should ever be able to freeze funds and give no response or reimbursement for the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IL
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, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts XXXX XXXX, Acct. No. XXXX ; XXXX XXXX, Acct. XXXX ; XXXX XXXX Acct. XXXX ; XXXX XXXX, Acct. No. XXXX ; Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 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 XX/XX/XXXX These have violated my rights. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that 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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called XXXX  they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX  been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in XXXX  not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( experian ) XXXX XXXX XXXX Account Number XXXX. ( experian, XXXX ) XXXX XXXX XXXX Account Number XXXX ( experian ) XXXX XXXX XXXX Account Number 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 2018-07-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XXXX XXXX XXXX I was looking for a minimum $ XXXX higher limit but with no fees, lower interest.The suggestions as per reviews came back as American Express Simply Cash . I tried two times to get the forms fields to fill out correctly and it gave me a message that the offer wasn't available despite it took my information and never gave me a response let alone in 30 seconds as advertised. I had made soft inquiries before without any problems like this and became afraid that I was being info sucked to invade my social security account or some way to hurt me. I was then inquired about my bank info from the site that just claimed there was no offer available. 
I called customer service ( XXXX ) XXXX. The man took my social number and referred me over to another guy who was decidedly XXXX sounding. They had some fake sounding recording beep, and when they claimed my application was there I said I wanted to talk to a supervisor. He put me on hold for 15+- minutes and for a total of 20 minutes so I hung up. This is all too unbelievable compared to other applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started repaying my student loans after a divorce and getting settled in to a home with a steady job in 2007 when I could afford it. I was contacted by Sallie Mae to get on a repayment plan. They told me I would pay it off quicker if I had an automatic deduction from my account. I agreed. They started deductions and 13 years later I have paid them over {$49000.00} for a loan with penalties totaled less than {$32000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my crredit 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 non-monetary relief
Consumer complaint received 2020-12-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home mortgage, originally with XXXX XXXXXX/XX/XXXX I have never missed a payment, or even been late. I refinanced {$350000.00} into another XXXX XXXX XX/XX/XXXX mortgage in XX/XX/2020 at a lower rate ( good for me ). In XXXX XXXX XXXXXX/XX/XXXX sold my refinanced mortgage to Citizens Bank, as they were entitled to do. Unfortunately, the new lender, Citizens Bank, seems impenetrable. I am unable to track what happened to the escrow money, and I can not understand what happened to the principal balanceit went UP. Worst of all, it is extremely difficult to get anyone at Citizens Bank on the phone. Dont they have an obligation to be available to their mortgagees? Over the last several weeks I have tried calling their customer service XXXXnumber XXXX multiple times. Only once have I been able to speak to someone XXXXXX/XX/XXXX XX/XX/XXXX? ) said to check again in a week ). It usually says that due to high call volume they will call me back in a day or two. On Tuesday of this week their message said their call-back system couldn't call me back until 4 days later. Huh? Their secure messaging webpage offers a 5-day turn-around on messages. This is ridiculous. This lack of availability is certainly terrible customer service, but is it in compliance with federal regulations? 

I have a simple issueI just need Citizens to be reachable to explain what happened to the escrow money and the principal. But they seem unreachable. 

From a regulators standpoint I want you to know about this difficulty, and I thank you for your assistance and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2020 I made a purchase to XX/XX/XXXX using my Paypal Credit card in the amount of {$58.00}. The transaction successfully went through on XXXX XXXX and posted to my Paypal account on XXXX XXXX, 2020. 

On XXXX XXXX, 2020 I checked my Paypal credit account and there was a message for me to contact customer service regarding my account. I called customer service and was informed that my account had been closed due to inactivity. Very shocking to me because I had just made a purchase. The manager I spoke acknowledged the recent transaction made and she gave me a {$25.00} credit on my account for the inconvenience and told me unfortunately she couldn't reactivate my account and told me the she was going to enter a dispute on my behalf but knew it wasn't going to get resolved.

Please help. I do not want this to have a negative impact to my credit score. 

Best regards, 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 2021-08-10
Company: Selene Holdings LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I need help!! I fell behind 3 years ago after I lost my job due to my XXXX so I was without any income for a few months which is why I fell behind on my loan. Once I got approved for XXXX income, I did not make as much as I did working a wage earning job. I applied and was approved for a loan modification but with the income I made from my XXXX, I quickly fell behind again because the loan modification caused the payments to increase. After falling behind for a second time, I could not afford to catch up with the payments again. I have now been working for the past 4 months to get the Selene finance to approve a short sale and they have repeatedly rescheduled the auction date regardless of my efforts to get this settled. I have submitted ALL financial forms requested of me, a short sale application, as well as a solid offer from a buyer, the buyer 's documents, buyer 's driver license, EVERYTHING. Anything they've asked for I've sent in to them expeditiously and they are outright refusing to work with me, which I don't understand since they've sent countless packets of paperwork advising me to apply for this process. I deserve the courtesy of having them allow me to go through this process so long as I meet their requirements, which I have, but they are XXXX bent on trying to foreclose on me. I need someone to help me get through to this mortgage company so that I can move forward with a short sale. I've done everything I could to get this settled and I don't know where to turn anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, 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:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  XXXX XXXX Equifax : XXXX. 
XXXX : XXXX XXXX /XXXX Equifax XXXX XXXX. XXXX  : XXXX XXXX  : XXXX .XXXX XXXX XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: PNC Bank N.A.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/XXXX my partner and I went into XXXX XXXX and purchased a used car. They let us leave with it. I started calling XXXX about a week later asking about the tags, heard nothing back. Started calling and messaging two weeks later and they said the loan might now have gone through yet didnt give an option to bring the car back. I was asking for answers and explanations. Then on XX/XX/XXXX I went up to the XXXX dealership, again not offering any solution other than telling me that I had to sign the contracts alone because of my co-signer. This was almost a month apart due to credit and the loan. I even had mentioned bringing the car back and that was skipped over as if it wasnt a possibility. Circumstances have changed and I can not solely afford the car by myself and my partner and I split up. I have called the back, PNC, multiple times explaining the situation and asking for a loan extension or some sort of reprieve. I was originally supposed to be signing for my credit and my partner was the one providing pay stubs and pay for it. The bank has refused to work with me after wanting to speak to a manger I was told it could take up to theee days just to get a callback. I am appalled at how both companies have conducted themselves and the more I look for answers to keep my credit in tact and figure this out, the deeper in the hole I go with no solution of how to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: STERLING JEWELERS, INC.
State: IL
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:
An account from Kay jewelers is still reporting on my credit report. The account is closed with a XXXX   balance and I have attached proof. I had to call the company on XX/XX/2020 to get this letter that the account is paid in full and there is no balance to report and the account is not open. Ive tried to dispute the account but have had no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a PNC Bank Business account yesterday XX/XX/2020. I deposited {$500.00} cash I also deposited {$10.00} via XXXX XXXX. I was told my funds will be available today XX/XX/2020. When my funds of {$510.00} was available early in the morning on XX/XX/2020 I proceeded to deposit {$2100.00} into the same PNC business account which brought my account up to {$2600.00}. During the day while checking my account my account balance said {$0.00}. Then I called PNC Bank customer service to find out what was the reason for this they said my account was pending closure. Which no reason has been given why my account was closed and my funds were frozen. I was told to go to the branch and at the branch the same woman who opened up my business account the day before told me that there is nothing that can be done until Monday. Ive also called customer service multiple times today and Ive gotten the same answer no one has told me why my account was closed. Now I have no funds available funds that are used towards my business which is affecting my business and my customers. I need this resolved as soon as possible this is hurting my business and my brand I need help.

Company response to consumer: Closed with explanation