BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the occasions I mail a copy of the front and back of me insurance and irhythems did nothing today I receive a letter from Revco a collection agency telling me I owe XXXX I have been in XXXX after my admission and this is the first letter I receive when I call the first time to collections agency they hang up the second time I call XXXX they connect to calle toon on three occasions I send XXXX my insurance which is a tripe of XXXX but threw the county now they say I owe it because its over one year however I had contact with irrhythem on three occasions and gave insurance info. This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
related to complaint XXXX XXXX, now they have messed up my XXXX XXXX, after XXXX cards being issued, finally got on that worked. XXXX worked XXXX. yesterday and today, it no longer works. When I look online or mobile banking the Debit Card no longer shows up on my account. What are they doing to me. Tried calling specialist that called me, says I am not authorized to call this # XXXX XXXX XXXX ext. XXXX. I can't live without being able to access my funds. How is BOA allowed to get away with this.

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 2021-11-05
Company: FIRST HOME MORTGAGE CORPORATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in an approved forbearance for the last 18 months. 
I have a letter from First Home Mortgage Company dated XX/XX/XXXX that my requested deferral was approved and that my account would be updated as of XX/XX/XXXX. 
The account and website still have not been updated. 
I paid XX/XX/XXXX 's mortgage payment. 
Today I received a certified letter informing me that I am in default on my mortgage and subject to foreclosure. 
When I call the number provided XXXX XXXX I am told by XXXX that there is no one available who can talk or help me with my problem because it is with the underwriters. They claim they are sending an email to them. And they expect me to just wait

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Auto Trakk, LLC
State: PA
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:
Autotrakk placed an Hard Inquiry on my credit file XX/XX/2018. Requested company to supply information reasonings of hard inquiry. Company stated inquiry will be removed and still remain on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, PayPal sent me an email with the subject line, " You can no longer do business with PayPal ( Ref ID - XXXX ) ''. The email stated that my PayPal business account is permanently limited due to " potential risk associated with the account '' and my funds would be frozen for 180 days. 

I am a brand new coaching business, I signed up for this PayPal Business account on XX/XX/2021. At the time I received this email, I had a total of 3 customers who had paid me a total of {$1100.00} through PayPal. 

I am unable to access payments from these three different clients. The transaction deatils are as follows : XX/XX/2021 - {$330.00} XX/XX/2021 - {$440.00} XX/XX/2021 - {$440.00} I reached out to PayPal for an explanation on XX/XX/2021 and spoke with XXXX from PayPal Limitations Department. XXXX told me that she was unable to tell me why I can no longer do business with PayPal and she told me that the decision was irreversible. When I asked for more information, XXXX told me that that information was for " internal use only ''. She also told me that I would need to wait for 180 days from the time of the account being disabled to be eligible to receive my balance of {$1100.00}. 

I asked to be connected with her supervisor and she told me I would get a call back from XXXX XXXX, " one of the supervisors in the back office team ''. 

I then spoke to XXXX XXXX, who identified himself as a PayPal supervisor, and he told me the same thing XXXX told me. At no point was the conversation heated. He ended up leaving the call without explanation by putting me on hold ( with no warning ) and then never came back. I waited on hold and the call was disconnected after around 10 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization,  Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below PUBLIC FILINGS XXXX   RECORDER OF DEEDS {$3800.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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 status incorrect

Complaint:
XX/XX/XXXX, I disputed the account for XXXX/XXXX XXXX - XXXX XXXX XXXX XXXX it shows as open and I'm currently late. The account was closed and sold in XXXX or XXXX. I paid the new company in full in XX/XX/XXXX. Both the company and the credit reporting agencies ( Experian and XXXX  ) continue to report inaccurate information, even after I've provided them with the correct and updated information. XXXX XXXX XXXX, XXXX provided me a letter stating, the account has been sold, but they continue to update with erroneous information. 

XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX Paid XXXX ( XXXX XXXX XXXX XXXX account was sold to ) in XX/XX/XXXX Notified Experian, XXXX  , and XXXX  XXXX XXXX in XX/XX/XXXX and again XX/XX/XXXX to correct credit report. 
XX/XX/XXXX - XXXX/XXXX  XXXX ( XXXX XXXX XXXX, XXXX ) updated erroneous information again.

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 2022-01-14
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transfinacial is reporting on my credit report for a medical bill in the amount of XXXX. Ive asked them to validate the debt and send me a contract with my signature and any procedures Ive had with them. Ive never been to transfinacial or had any dealings with them. Since they cant validate the debt with my signature or nothing else I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage pulled my credit without consent and now refuses to reverse the inquiry and will not share the many voice recordings justifying my claim. I was told by XXXX XXXX and XXXX XXXX that it would cost Rocket " XXXX  of dollars '' to reverse the inquiry. 
I have reached out to XXXX XXXX ( General Counsel as least 12-20 times with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I submitted a dispute letter concerning TransUnion case : XXXX, Chapter XXXX Bankruptcy. 

On XX/XX/XXXX TransUnion sent me a response stating that the above item was " verified '' stating that they or a " third party we hire '' check " applicable court records ''. 

On XX/XX/2021 I contacted TransUnion knowing that the previous dispute letter sent on XX/XX/2021 had correspondence from the Court stating that they do not report to credit reporting companies. Despite this XXXX said the the Court verified the item. This was on XX/XX/2021 at approx XXXX EST. 

I was then transferred to a XXXX XXXX who claimed to be a supervisor ( around XXXX EST ) who stated that the Court verified it. After discussing with him the correspondence I had from the Court, revealing their lie he then said it was a third party they hired. 

I asked for the name, address, and phone number of this third party vendor in connection with this investigation as per The Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 6 ) ( iii ) states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including business name and address of any furnisher of information contracted in connection with such information and the phone number of such furnisher if reasonably available. 

He denied me this information, I was then told that I would be transferred to someone else but instead the line was dropped. I called back where I spoke with XXXX ( around XXXX EST ) who would also deny me information that would help me get clarity on how they " investigated '' my dispute in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: PNC Bank N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Please note that on XX/XX/2021 I lost my debit card ending in XXXX. I reported this to PNC Bank on XX/XX/2021, and I was advised to put a lock on my card which I did on the XXXX or XXXX of XX/XX/2021. Then on XX/XX/2021, I went into the PNC branch located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and I met with Mr. XXXX  XXXX who provided me with a new card ending and he advised me that the card ending in XXXX was cancelled. I discovered today that the card ending in XXXX was never cancelled and an unauthorized charge from XXXX for $ XXXXUSD posted 2x to my account in error. I can not get anyone to fix this. This is a terrible error and it needs to be fixed. Why this happened I will never know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-28
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:
XXXX XXXX XXXX is a result of a fraudulent account of XXXX XXXX bank sent in theft report and XXXX have not removed yet. 
XXXX XXXX is a result of fraudulent account and XXXX have not removed yet. 

XXXX  Bank is a result of fraudulent account and XXXX  have not removed yet. 

XXXX XXXX bank is result of fraudulent account and XXXX have not removed yet. 

Inquiries : XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Incorrect Addresses I provided Id and supporting doc of address and they still wont removed address : XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX # XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx 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 non-monetary relief
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
i paid XXXX XXXX XXXX XXXX XXXX XXXX {$940.00}, in payments : ( 1 ) ) XX/XX/21 {$45.00} ( 2 ) XX/XX/21 {$130.00} ( 3 ) XX/XX/21 {$45.00} ( 4 ) XX/XX/21 {$45.00} ( 5 ) XX/XX/21 {$45.00} ( 6 ) XX/XX/21 {$130.00} ( 7 ) XXXX {$45.00} ( 8 ) XXXX {$240.00} XX/XX/21 {$200.00} BANK OF AMERICA, WHICH I FILED SEVERAL DISPUTES WITH REFUSED TOO HELP ME GET MY MONIES BACK FROM XXXX XXXX, EVEN WHEN I PROVED IT TO THEM!!! I WANT YOU TO CALL BANK OF AMERICA XXXXXFRAUD TOO PROVE THAT BANK OF AMERICA REFUSES TOO GIVE ME A REFUND OF {$940.00} THAT XXXX  XXXX TOOK FROM ME!!! I SIGN THIS UNDER THE SEVEREST PENALTIES OF PERJURY TOO PROVE THIS TOO YOU!!!!!!!!!! XXXX XXXX XXXX. PLEASE HELP ME GET MY MONIES BACK, AS I LIVE ON FIXED INCOME.

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 2020-12-17
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:
Dear CFPB, I desperately need your help. I'm being neglected by XXXX, Transunion, and XXXX. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2020, Ive disputed multiple inaccuracies on my credit report with Experian. These accounts were XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All of these accounts were reporting past due balances after the account has been closed and in collections. This inaccurate information has caused my credit score to drop tremendously. 

XXXX : past due balance {$1000.00} XXXX XXXX : past due balance of {$470.00} XXXX XXXX : {$350.00} Ive disputed these accounts several times, only for it to be updated with inaccurate information. This has made it very difficult to obtain employment as well as housing.

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 2022-01-14
Company: Experian Information Solutions Inc.
State: OH
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: Sierra Credit Corp
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2017, I tried to make my auto payment to SierraCredit.com ; however, the password reset and register option just would not let me do it. Unfortunately ; it was after hours ( I work until late ) and the office was not open to call. I called in on XXXX XXXX, 2017, and let them know the website still will not let me in and I need to make a payment. I called my mother whom was making this payment for me with her card and conferenced her in. First issue, was they just began talking to her without making sure I was who I said I was and second my mother asked if the late charge ( approx. {$16.00} ) could be waived as the website is down and she was told " nope ''. The unprofessional-ism in this company is astonishing. After the payment was made my mother had asked about being able to log on in the future since this late charge in no way should be charged to me and the rep did not offer to assist me getting logged in once. She stated she would put supervisor XXXX on the call. As we waited over 10 mins on silence another very unprofessional supervisor by the name of XXXX got on the line and continued to over talk my mother. She says to my mom XXXX is authorizing you in which I say I do ( again they dont check to see I am who I say ) At one point my mother said can you let me finish talking when XXXX responded " I was talking first ''. Where do they hire these people? My mother has been a manager for corporations for 20 years and if her staff spoke to anyone this way they 'd be out the door. My mother then asked XXXX to remove my only late charge in 17 payments. XXXX then told her that I have FIVE lates which is absolutely untrue and can prove it as my mother makes the payments for my every month on the XX/XX/XXXX ( my grace period is until the XX/XX/XXXX ). My mom ask where on the website does it say that, and XXXX responds its on the statement. Where? Im looking and it does not say that. XXXX stated if you make your payment on the weekend the grace period days arent counted because it will apply on Monday ( WHAT ) thats not legal at ALL. My mother then ask for one of those late charges to be waived and she again is told no. This will be going to an attorney as well. No one gave me my mini miranda which they should know is illegal.

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 2022-01-14
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:
On XX/XX/XXXX of XXXX our home was foreclosed on. For the past XXXX and XXXX years we have worked hard to improve our credit pay off any debt and make ourselves trustworthy again. Because of freedom mortgage we have not been able to obtain a new home loan. My husband is a VA eligible borrower and because freedom mortgage is reporting the account paid off in closed XXXX of XXXX instead of XX/XX/XXXX of XXXX when we were evicted. We have not been able to obtain a new mortgage on a new home we are trying to purchase. We take full responsibility and acknowledge the foreclosure. It happened due to circumstances beyond our control and we wish we could go back and correct the issue before the foreclosure took place. Unfortunately that is not the case and we must deal with the repercussions, but we ask that information be reported properly to the bureaus. We have filed various disputes asking for the dates to be corrected. And to show the last account reporting date reporting information and close account dates to be based on the date that the home was purchased by a new buyer which is XX/XX/XXXX. Reporting the account close in XXXX of XXXX is unacceptable unprofessional in a blatant lie. The account was and should be reflecting as closed out in XXXX and although we have tried various measures to correct the issue freedom mortgage has been difficult and unable to assist us and legally I believe they should not be able to do this We were asked to move out of our home in XXXX because the home was sold there should be no other legal stands for them to report anything after that date I have documentation showing when the property was sold, As well our eviction notice stating that the home was sold. All we're asking is for a credit reports to show the account closed date and last reporting date of 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