BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX on XXXX XXXX I sent a certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. On XX/XX/2020 I sent another certified letter to Transunion disputing inaccurate items on my credit report. The certified letter was delivered to Transunion on XX/XX/2020 according to the USPS the tracking number associated with this delivery is ( XXXX ) as of XX/XX/2020 I have not received a response from Transunion. It has now been over 100 days since Transunion received the first dispute They are in violation of the Fair Credit Reporting Act as they are required to response to any and all disputes within 30 days

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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
One time I withdrew an amount from a credit card and got circumstances, so I delayed paying and my account was closed, so I paid the amount, but it was more than what I withdrew, so I was paying only because my account was suspended, so I asked them to activate my account and they refused, but they were withdrawing fees from me and my account was closed and they were still withdrawing amounts from me until I withdrew all my money And I went to another bank, they stole my money from me, and I want it back. It's Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed things on my credit report and Experian did not investigate these matters. I submitted the same disputed with CFPB and received a response that this was an error and will be removed. Experian has not yet removed this or any of the other items disputed that XXXX has removed. They are not investigating these disputes accordingly. They are just responding that they are valid.

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 2020-09-10
Company: CBC Companies, 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 is missing that should be on the report

Complaint:
Please investigate the following information. XXXX XXXX XXXX # ... XXXX. The address for this creditor is incorrect, correct it or delete this account. The date of 1st delinquency is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect. Correct or delete it. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. Correct or delete it. XXXX XXXX XXXX   # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account.The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. XXXX/XXXX XXXX XXXX # XXXX. Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. Payment history is incorrect, correct or or delete. XXXX # ... XXXX Date open is incorrect, correct it or delete it. Date of first reported, correct or delete this account. The high balance is incorrect, correct it or delete this account. The high balance is incorrect, correct it or delete this account. Creditor address is incorrect. Correct pr delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX should not be reporting to XXXX  and Transunion an outstanding balance in the amount of {$5300.00} as well as reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of the letter from XXXX dated XX/XX/2018 showing this account has been paid in full. I have also attached as additional proof that this account is paid in full, a copy of my title to the vehicle. This false reporting of a balance due and lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-11-20
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
A phone call originating with a XXXX, OH based area code ( XXXX ) attempted to collect personal data in order to verify identity, but would not disclose their intent, only that it was a " private business matter '' ; they also indicated that they knew of an old out of state address. They would also not disclose the nature of the company, only that they were in fact calling from Georgia. Return calls indicate that it is a call from Sequim Asset Solutions, a debt collection agency, although there has been no notification or communication from any services that would indicate debts are owed. This was certified after calling the actual services, and validating that money is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
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:
After careful reviewing my credit report, i noticed accounts which are not mine. 
I have never applied for these creditors, i don't have any contracts where is my signature on with these companies. 
I believe, that someone stole my personal information, i applied for police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scam and I was trying to tell my bank to give my money bank and they tell me I have to talk to a merchant that no longer exist and I just want my money back I was robbed Scam {$700.00} a week of my paycheck it was on XX/XX/2020 first it was {$500.00} and then {$200.00} i just want Capital One Bank to give my money and I actually report to police also an nothing help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Good morning, I am writing because the short sale to close my mortgage still appears on my Credit Report. On XXXX XXXX, XXXX, my ex-husband and I opened an account with XXXX XXXX. In XXXX, we could not pay our mortgage. We ended up closing the account due to a short sale. This account has since been paid and closed. 

It is now XXXX and I am still waiting for this information to be removed from my Credit Report. I have been working hard and have impeccable credit, however, this short sale/adverse mortgage is still showing up as 'delinquent account ' or 'delinquent activity. ' It continues to negatively affect my credit score. 

I would like to please request that this old information be removed from my Credit Report. I've waited 8 years, finally got divorced, and am eager to move on with my life and be able to purchase a home for myself. 

Thank you so much for your 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 2020-11-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my home with a VA IRRL. I began the process at the end XXXX with XXXX XXXX at Lakeview XXXX # XXXX. I have requested NUMEROUS updates and received nothing until XX/XX/XXXX. I was notified on the XXXX that my loan was approved and that I needed to hurry up for closing on the XXXX of XXXX. I was never updated on the status of my file prior to that. Under ECOA I should have be given some type of disposition within 30 days of application ; that NEVER happened. On the XXXX the processor cancelled my closing and has yet to provide me with an update for rescheduling my closing. I have left messages for the processor, processing manager and loan officer 's manager ; NO ONE has responded. The loan officer suggested that I contact another lender. I can only assume that this is avoid additional costs that they don't wish to incur as a result of the delays. 
It is unfortunately these types of transactions that give lending a bad name. I hope that someone takes this more serious than Lakeview has done. My loan # XXXX These delays have cost me the ability to save on my rate as pricing has changed since XXXX and they are not willing to close my loan due to errors on their part that we cost them money. 

thank you

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 2020-10-31
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: Account status incorrect

Complaint:
On XX/XX/2020, as a XXXX Consumer I applied for a Mortgage Loan with XXXX XXXX XXXX, as part of the Lending process, there's a Tri-merge Ran by Lender, XXXX XXXX. Equifax reported internal and Fraudulent conditions of my TradeLines on my Credit Report. These XXXX literally [ OPEN ] of these Accounts with efforts of suppressing my Credit Report. Here are the TradeLines that these XXXX went back and [ Re-open ] up these TradeLines : XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX XXXX ending # XXXX. About 9 years ago, I addressed this issue with Equifax, and I was told by an a XXXX male in their General Counsel, right before letting this XXXX go this XXXX quote : We'll show you " XXXX '', I then told him to kiss my XXXX and that I was going to sue you XXXX, to-date I've got the Evidence needed to make me extremely " Wealthy '' for their " XXXX XXXX  '' tactics toward XXXX Consumers. See I've spoken with my TradeLines, none of these TradeLines mentioned they Re-open accts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2018, Shows late payment. I explained to them it was a electronic error automatic payment/ auto pay did not take the money out of my account resulting in a late payment for XX/XX/2018. Company Chrysler Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: WA
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:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2017-08-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have enrolled START Smart savings Program ( with US Bank ) in saving Act # XXXX I reached my goal, but did not receive reward as in the ads. They say because I had receive gift card 2 or 3 years ago but their ads of my rewards is Account Credit, so they are different programs, and every month I receive statement, there was print out that says I will receive reward just continue save, during the course of last year saving I have from time to time ask the US Bank over the phone whether I can get the reward the answer was always Yes.
No one from the bank, has told me that I did not eligible for it.
I have attached the copy of the Ads and copy of my last statement

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 2022-04-26
Company: EQUIFAX, 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:
I've dispute multiple reports and I've heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I had a positive available balance of over {$290.00}, prior to the following items becoming pending on my account : 1. {$42.00} - Restaraunt charge 2. {$25.00} - XXXX XXXX XXXX. {$32.00} - XXXX 4. {$35.00} - XXXX XXXX XXXX. {$5.00} All of these transactions extracted from my available balance on XX/XX/XXXX. However, when my direct deposit posted on today for XXXX, my available balance was showing {$3000.00}, which is incorrect because the account was only -XXXX on the evening of XX/XX/XXXX around XXXX because I checked my account during that time. Therefore, I believe I was double-charged on the transactions listed above and this is not the 1st time I have seen my account off with Wells Fargo. There have also been problems with debit transactions almost every other Friday on Payday for some reason. Are they taking my money in the backend Systems. I believe there something is going on with how Pending Transactions are initially debited from your available balance and then later debited again when it Posts such as in this case. These transactions were reduced my available balance on XX/XX/XXXX and should not have reduced my balance again when my Direct Deposit came through this morning for {$3200.00}. 

What is really going on here? There should be real-time accountability and True transparency along with a timestamp on each and every transaction which happens on anyones account and also during batch processing to properly reconcile your systems to ensure your programming software is not stealing from customers. This is a problem and we requesting our monies back for the above transactions.

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 2020-10-31
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: Account status incorrect

Complaint:
Hi, Ive worked tirelessly disputing incorrect information on my credit report with XXXX XXXX. They are reporting four inaccurate late payments from 2014. Ive never paid late. Ive always paid the full balance off on time every month. We are in the process of refinancing our home and this is causing a significant Challenge. We are needing to have this resolved so we can refinance our home before our son is born. 

This is causing both my wife and I a great deal of stress. My job is to do what is right and also keep her stress levels down while XXXX 

I want to keep my account with XXXX XXXX open. I just want my credit reporting statutes enforced by having the correct information reported on my credit reports.

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 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 made a payment of {$200.00} on XX/XX/XXXX it was credited on XX/XX/XXXX however, not applied to my credit available balance. I am being told the payment needs to be verified and will be held for up to 26 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: PNC Bank N.A.
State: MN
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:
Mortgage from PNC Bank was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to PNC Bank, but have gotten nowhere. 

PNC BANK XXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have my federal loans serviced by AES. I was told that the relief for federal loans, no charge and no interest from XX/XX/2020 through XX/XX/2020 does not apply to my account because that relief is only for accounts serviced by federal entities not a private servicing company. I do not believe that information to be accurate and seek the relief afforded to federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Not allowing either robo-investing/saving accounts to link to my PNC account. It's 2020, they should have a way of playing nice. I have previously tried to link my PNC account for usage with XXXX. I was unable to link it so that the " rounded '' amount could be transferred. However, I was unable to do so since PNC says they want " too much information ''. As a result I have since stopped using my PNC debit card and pivoted to using credit cards solely ( something I am sure PNC can attest to, and probably misses the fees associated with those charges ). I attempted to sign up for an account with XXXX as  well and have run into this issue again. 

It almost seems like PNC wants me to close my account and move to a more tech and future friendly bank.

Company response to consumer: Closed with explanation