BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: NV
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: Problem with personal statement of dispute

Complaint:
0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) 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 2021-05-28
Company: EQUIFAX, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/21 I went into my bank which is Suntrust Bank to withdraw funds from a wire that was from a client for in the amount of {$50000.00}. It was a new account. And Ive had a long relationship with Suntrust with no issues whatsoever until now. They froze my account. Would not tell me why and I had to find out through multiple calls through the wire department. It was because the sender who happened to be my client accidentally sent himself as the beneficiary. XXXX XXXX  has electronically reached out to Suntrust confirming the wire as well as the sender. I was told they are in the process of closing my account and have sent me mail as of XX/XX/21 but I have yet to receive it. Ive requested to have them release my funds as soon as possible but have not been helpful at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Square Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Over {$23000.00} stolen from Cashapp with no explanation or response to any of my support requests. This is unbelievable! I am a XXXX XXXX I run a XXXX XXXX there is no fraud nothing suspicious. They haven't answered ever. Not once. Why did you refund the unemployment benefits why wont you answer via cashapp support, email, XXXX, XXXX? This is the most insane life ruining thing you can do to someone and not have a phone number to call. I'm so angry you can't even imagine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collection Agency continues to call my place of employment, and family/friends and harassing me. I have made a written request for them to correspond via email or mail. They continue to call my employer and are causing me financial harm. 

Contact information of Collection Bureau : Financial Adjustment Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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: Their investigation did not fix an error on your report

Complaint:
In your response to CFPB XXXX you expressed some information that are flat out lies. I've documented my evidence as screenshots attached. In screenshot 1 you allege " there is no mention of a Ch XXXX Bankruptcy that will be dismissed in XXXX of this year. '' In screenshot 2 as clear as day you are saying that " Therefore, as permitted under law, it will remain on your file until XXXX " Why are you lying to preserve inaccurate information on my profile? I'm starting to think this is personal. The fact that you simply ignore the evidence presented to you shows a pattern of negligence that is a cause for a lawsuit. I have visual proof that you reported 2 different deletion dates, 2 different chapters of Bankruptcies, and now you're alleging you never even said it when the evidence is in your face? My lawyer, XXXX XXXX suggests that I have a solid case for negligence and willful noncompliance. Also, you keep mentioning XXXX, I've used XXXX  also, it's a database you can just type in a name and get incomplete and inaccurate information. Clearly my point is this information is wrong. Therefore it is your obligation to investigate the original furnisher ( THE COURT ) to get  complete and accurate information. I keep providing proof of my address in a government ID and Bank Statement yet you insist on telling me where I live. Do you realize how crazy that sounds? I am attaching a police report stating I am a victim of identity theft and I need you to block this bankruptcy from credit profile immediately in accordance with FCRA 609 ( e ). You have shown you are unwilling to investigate this issue and have committed numerous violations of my consumer rights. I am attaching my ID, bank statement, a letter from the original account ( Bankruptcy Court ), Your discrepancies in the investigation, and your lies about the discrepancies. Please do not respond with stalling tactics. You must stop violating the law.

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 2018-05-04
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:
There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.

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 2018-05-04
Company: EQUIFAX, 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:
There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
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:
On XX/XX/2018 i have settled two account s with XXXX XXXX a collection company for XXXX   XXXX XXXX. Both accounts were settled in full. I have provided copies to the credit reporting companies and XXXX XXXX XXXX and today i called XXXX  and spoke to XXXX ID XXXX and she advised me that she could not do anything for me because that department did not have a direct number and that she could not advice me that if they had received the settled paid documents that I mailed to them because the only way it would be to restart another dispute. I have contacted Equifax today and the advised me that conns has responded to my dispute and they claim that the account is still open. I told her that i have provided copies of the paid out letters and she claimed that they could not use them that was was important was what the creditor responded. I have done all they ask me to do and they can verify the account with their collection company,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 : I call Synchrony Bank to inquire why transactions aren't going through. *transactions are denied thru money in my PayPal XXXX and from my bank, despite funds being available. I escalate to dismiss all late fees. 
call lasts XXXX XX/XX/2020 : Email frXXXX XXXX  -- Payment confirmation received XX/XX/2020 : Email from XXXX -- Your payment was returned XX/XX/2020 : Email from PayPal -- Payment receipt received XX/XX/2020 : Email from PayPal -- Your bank declined payment XX/XX/2020 : Closed account XX/XX/2020 : Call Synchrony Bank to inquire why account closed. Am told I missed payment in XXXX XXXX lasts XXXX XX/XX/2020 : Email from PayPal -- Your payment is scheduled XX/XX/2020 : Called XXXX to ask how payment is distributed. Agent says payments apply to special financing last if customer doesn't call and dictate how they want the payment distributed. 
XX/XX/2020 : Email from PayPal -- Your payment was not applied XX/XX/2020 : Contacted XXXX XXXX to inquire about denied transactions and agent says transactions were never attempted. " That's odd. We don't ever block payments to customers bills or credit card. '' For nearly a year, I have been making payments to PayPal and they have been returned by Synchrony Bank. This month has been the most egregious delay in scheduling the payment and getting a notice that the payment was not applied. Regardless of what bank account I pay from, even if I attempt to transfer money from my own PayPal account balance within PayPal,  Synchrony claims the transaction is denied or the payment isn't applied. 

It seems purposefully confusing because notices come from PayPal but payments go through synchrony and synchrony blames it on PayPal and PayPal blames it on synchrony. Synchrony also blames my bank ND my bank says they have no record that there has even been an attempt to put the transactions through. When they do go through, it is applied however Synchrony decides rather than customer interest or special financing purposes. 

Lastly, the late payments and closed account have significantly impacted my credit score and the stress is unnecessary, especially given the times. It's confusing, expensive, and wastes my time.

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 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX  {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. XXXX XXXX {$810.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
we have a mortgage with BBVA Back in XX/XX/XXXX we went to the Bank and asked to do a Deferral for thee months. The Bank issued a Forbearance on the loan, that was XX/XX/XXXX, we maid our payments on time, never missed a payment, XX/XX/XXXX XXXX we Requested a payoff of the loan, we were in the process of a Re-finance,, we are Requesting a payoff of the Forbearance, as of to date we have had no Response from the Bank. XX/XX/XXXX we asked for payoff of Forbearance XX/XX/XXXX no correspondence with the bank we try to call and are re-routed to the country of XXXX, cant understand there language. we also Also back in XX/XX/XXXX they Requested we Pay Three month Escrow XXXX, XXXX XXXX paid {$970.00} All we want to do is pay off the Forbearance, not the Mortgage, Hope you can help us with this situation, we have had nothing but problems with this Bank we started with them back XXXX when we wanted a construction loan, What a Night Mare, the have gone from BBVA COMPASS Bank to BBVA Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Nationwide Recovery Systems, Ltd
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide Recovery Systems did not properly disclose their identity. They did not properly disclose Consumer Rights, not properly disclosing to family members of their consumer rights, leaving a message on a shared voicemail for a family member.

NRS did not provide my details in writing of the debt. NRS has not contacted or sent notice to my address. They did not disclose their identity properly as well.

I have the voicemail NRS left for a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Radius Global Solutions LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019, credit card was paid off. Its been over a year and Im still unable to open a bank account with XXXX XXXX due to credit reporting still showing unpaid amount.

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 2018-08-24
Company: EdFinancial Services
State: CA
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:
XXXX has been non-compliant with removing the unverified account ED FINANCIAL/XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ED FINANCIAL/XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX AND TRANSUNION ARE REPORTING THAT I HAVE STUDENT LOANS FROM THE DEPARTMENT OF EDUCATION AND FED LOANS SERVICING. THEY ARE DELIBERTLY PUTTING DUPLICATE ACCOUNTS ON MY CREDIT REPORT ON PURPOSE. XXXX SAID I OWE XXXX IN STUDENT LOANS WHEN I ONLY OWED XXXX. NOW THAT XXXX HAS PAID THE XXXX? IT SHOWS THAT I STILL OWE XXXX. THIS CREDIT REPORTING AGENCIES ARE DOING THIS ON PURPOSE AND IT IS NT RIGHT TO THE CONSUMER. THIS INFORMATION IS INCORRECT AND SHOULD BE REMOVED AT ONCE. STUDENT LOANS. BELOW IS THE XXXX ACCOUNTS STILL OPEN ON MY TRANSUNION CREDIT REPORT {$11000.00} Reported balance XXXX XXXX {$7500.00} No Info XXXX XXXX {$3500.00} No Info XXXX HAS THAT I STILL OWE Total open balances {$68000.00} AFTER XXXX HAS PAID ALL OF MY STUDENT LOANS OFF!!! THEIR RESPONSE IS TO FILE XXXX DISPUTE WITH XXXX BUT THIS IS GOING OVER AND OVER WITH THE SAME SITUATION. WHY CANT THEY REPORT THE TRUTH FOR A CHANGE. I DONT OWE ANYONE!!!! FOR ANT STUDENT LOANS AND THIS IS NOT FAIR THAT THEY ARE STILL REPORTING EVERY MONTH THAT I OWE CAUSING A NEGATIVE IMPACT OB MY 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 2018-08-23
Company: EQUIFAX, INC.
State: PA
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:
Greetings, I have initiated a multiple disputes with XXXX  XXXX XXXX over the past few months to DELETE / REMOVE any reporting in regards to the unauthorized Charge-off account they have failed to prove belongs to me. It is also the responsibility of EQUIFAX and XXXX to report accurate accounts/information on personal credit reports per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX AND XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have failed to respond and prove/validate contractually the charge-off account belongs to me within 30 days. Below is the reporting account that should be Removed / Deleted from my EQUIFAX AND XXXX credit report. Also attached is a copy of my police report for your records. 

XXXX Reporting Charge-off Account : XXXX XXXX XXXX - Account # : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED EQUIFAX Reporting Charge-off Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX DATE OPENEDXX/XX/2015 STATUS : CLOSED Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 letter is to file a compliant about the way you have reported my student loans to the credit bureaus. After putting my loans in deferment because of XXXX XXXX then consolidating them, at which time we never had any late payments. You have decided to report that I was over 120  days late on 16 accounts which were in deferment and the loan details from you show that we were never late and the loans are all paid off. I have put in multiple disputes and now this is keeping me from buying a home. I am asking that the correct information be put on the credit reports that I was never late on ANY payments and loans were paid off according to the consolidation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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: Information belongs to someone else

Complaint:
To whom it may concern i have 3 hard inquries from XXXX which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.

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 2018-07-07
Company: EQUIFAX, INC.
State: FL
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:
My equifax credit report shows a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2018 which i do not recognize. I have paced a fraud protection watch through equifax. There is no contact information for the company checking the report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CITIBANK, N.A.
State: CO
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:
Someone stole my social security number, name and address and got a credit card from {$8000.00} credit limit with The Home Depot Store, I received today 05/27 a credit card statement with a balance of {$4300.00} and a minimum payment of {$44.00}. I called the Home Depot Store and supposedly they closed the account and sent a report to their Fraud Department, they should be investigating and getting back to me. I want this resolve and account eliminated from my credit report and any negative report to be deleted too.

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 2021-05-28
Company: EQUIFAX, INC.
State: MO
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:
My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) XXXX XXXX

Company response to consumer: Closed with explanation