BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i had gone to a dealer in XXXX because i was tried to get a car and the i provide the dealer my info they ran my credit i couldn't get approved in the next month i check my credit report i find out it wasn't one time the dealer pulled my credit I saw a bunch of inquiries about auto finance now my credit is kind of heavy with all these inquiries its about 20 inquiries listed below and they kept repeating over and over XX/XX/XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX ally financial  XX/XX/XXXX ally financial XX/XX/XXXX ally financial   XX/XX/XXXX ally financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX all this reported to my credit report just because i requested a loan from the dealership now my credit is worthless because of these hard inquiries from my 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 2018-03-06
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
request denied on XX/XX/XXXX by navient, I have balance of XXXX to pay I told them I can't they are not willing to help they say I have opened one credit card or excuses such as you cosigner didn't respond last year when I was approved for a year to pay XXXX a mont ratter than XXXX per month only because I threaten to sue them and told them I just won't pay now they give run around and tell me that I am denied I can't afford XXXX per month please help me or students like me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions 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:
Not only have XXXX  breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX 4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}

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 non-monetary relief
Consumer complaint received 2019-05-29
Company: Eastern Revenue, Inc.
State: NC
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:
The collection agency has re-aged this account according to the original creditors date of first delinquency. I disputed 2 accounts with XXXX XXXX XXXX regarding the balances of {$700.00} and {$1300.00} which was successfully deleted on XX/XX/2018. The 2 accounts reappeared under a new collection agency Eastern Revenue Inc. with a new date of XX/XX/2018 being the start of the collection. Currently I disputed and currently Im waiting for a response but I know its against the law to re-age an account to look newer than what it actually is. The original creditor is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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:
Not only have Equifax breach affected me but I also lost my wallet. I have disputed these allegations of accounts before all to no prevail. The credit agencies only position was responding by saying verified. Verified without providing me the physical documentation inwhich I'm entitled to. But still and all they are not mines. I'm requesting that the following accounts be blocked from my credit report. 

1 ) XXXX XXXX XXXX 2 ) XXXX.. {$56.00} 3 ) XXXX XXXX  4 )  XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX .. {$52.00} 7 ) XXXX   8 )  XXXX.. {$52.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Iam a PNC bank customer. 
Monday morning I went by my branch to check my account as I expected fairly large deposit from XXXX. I was going to use it to pay down my CC and transferred {$800.00} to pay down the card. 
But the bank misplaced ( or something ) my {$800.00} and it disappeared for several days.It magically reappeared on Friday during a meeting I was having at the bank, with the bank 's comment, '' 'Oh I do show an {$800.00} deposit on Thursday and it will clear tonight so the card can be used on Saturday, '' That's all well and good, but I was nowhere near a PNC branch on Thursday. 
How can a bank mysteriously lose {$800.00} deported in person with a teller? I will have to put on the big search for the receipt, and when I find it what action should I take?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a letter dated XX/XX/XXXX from wells fargo telling me that they did a risk review of my credit card account and had decided to close it. I have never been over the limit or late on a payment as a matter of fact I paid the balance in full every month. Immediately called on XX/XX/XXXX ( when i received the letter ) and was connected to the executive office and spoke with XXXX. I explained that I was unable to redeem the rewards I have been saving for years from the card because they closed it. She put me on hold and looked into the matter verifying that I had indeed earned XXXX points through my purchases. She agreed that I am due the rewards and gave me a case number and phone number and said that the case manager would call me the following day. 

The following day I returned a missed call from XXXX my case manager on two occasions but she didn't return my call. On the third call I spoke with the person that answered the phone and he said he would look into whats going on, after a long hold he returned and said that the rewards have been forfeited and that was a final. After informing him I was never given notice or any chance to redeem my honestly earned rewards he just stated again that they have been forfeited. 

I see that closing accounts for no good reason is a common practice at Wells Fargo but I have earned those rewards and this amounts to theft.

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 2019-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
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:
I have managed my Bank of America credit card with excellent payment history, continually paying my balance in full each month. With zero notice, the bank closes my account and refuses to honor my {$16.00} in earned rewards dollars. I call customer service and account representatives offer no help. Bank of America offers no decency in making things right with consumer and is denying money that is owed to me. Horrid experience.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : Placed for collection:XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX Loan Type : DEBT BUYER **This company is reporting on my credit report that I reaffirmed this debt. This is incorrect and they are violating HIPPA rights with this misinformation.

Placed for collection:XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX This company is reporting that this account is correct and is not consistently reported across the three credit reports. This debt is incorrect and needs to be removed. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please Delete Telephone numbers that do not belong to me as well.

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 2018-05-03
Company: LMS Services, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got this threatening call out of the blue from a phantom collections company ( identified themselves as " LMS '' ) that said I would be " served up court documents if I didn't pay off a nonexistent debt '' ... number in question was : XXXX ( XXXX ) XXXX called them bask asking for further clarification as to why they were calling and they said they needed to " verify my information so I could be served up the necessary court documents '' I replied I am not going to provide that information to you over the phone and then they retorted " we will see you in court then '' and they hung up. 

I am 99.9 % sure this is a complete scam and I want to warn others so they don't get scammed by these people

Company response to consumer: Untimely response
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax credit report is continuing to report derogatory charge offs from 9 & 10 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Payoff amount provided by Rocket Mortgage 's personnel and by their website is more than the Closing disclosure document provided. All payoffs are based on a XX/XX/20 closing date. I'm refinancing with the same company ( Quicken-Rocket Mortgage ) as my current current loan. As such, you would think these numbers would match?? 

Payoff amount according to website viewed at XXXX XXXX and XXXX XXXX on XX/XX/XXXX : XXXX Payoff amount according to customer associate " XXXX '' at XXXX XXXX on XX/XX/20 : {$300000.00} Payoff amount according to closing disclosure document on XX/XX/20 at XXXX XXXX : {$300000.00} Payoff amount according to closing disclosure document on XX/XX/20 at XXXX XXXX : {$300000.00} When asked to explain why the closing statement is different than their own Payoff page and from their customer agent, they refused to provide me the data. in fact, as you can see, the payoff amount continues to increase with no viable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried for nearly a year to resolve this matter directly with Target however they have taken an impossible position and continue to create a worsening credit situation and increasing debt for truly an unjustified position. Therefore I am reluctantly forced to appeal for your help. 

To summarize : When I moved in XX/XX/2019 it took some time for the mail forwarding to catch up to my new address AND somehow during that time my auto pay ( which had been set up on this card since the date of opening ) was canceled. In XX/XX/2019 I made a purchase at Target and had a balance owing of {$19.00}, I have since been charged a {$40.00} late fee per month and my credit score has been ruined by Target. When I realized the problem in XX/XX/2019 I paid off most of the merchandise balance, Paid $ XXXXand then again in XX/XX/2019, XXXX : {$80.00}. But they applied those payments towards Late fees so I could never catch up. 

I tried on numerous occasions calling Target and explaining my position. But they would not fix the problem and continued charging me $ 40 monthly late fees. The balance is now over {$340.00}, and my credit scores are tanked. I live on SSI income and am in no position to ever be able to dig out from under these exorbitant fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CAPITALONE add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, WF CRD SVC add a  hard inquiry on my credit report per XXXX. 
On XX/XX/2020, WF CRD SVC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per 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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
these creditors are removed from 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 2018-03-06
Company: EQUIFAX, INC.
State: AZ
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:
Equifax is not updating payment history for XXXX XXXX XXXX XXXX Credit Card. Account is visible and active, just no payment history from this bureau. Opened the credit card in XXXX through current, no history available through Equifax. Spoke with customer service at XXXX XXXX on XX/XX/XXXX, they indicated they report complete information and history to all credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: CL Holdings LLC
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:
THIS IS A FRAUDULENT ACCOUNT THIS IS A CHANCE FOR XXXX XXXX TO ANSWER THIS PROOF OF CLAIM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2018-07-05
Company: Experian Information Solutions 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:
Ok after repeated attempts of blocking the following from my report it's becoming disrespectful for the credit agencies to continue reporting unverified accounts inwhich are not mines, and if this continues I will be left with no other choice but to file suit. With the upmost respect could you please block the following from my report, XXXX, XXXX  XXXX XXXX, and 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 2021-03-01
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a US Bank Reliacard from Cardholder Services in Indiana. I do not have an account of this kind with US Bank. I tried without success to contact US Bank. Then I called CFPB and was told that this is part of a nationwide scam and not to activate the card. I was told to report it to Unemployment Services in Indiana, but the website does not address this problem. What should I do next?

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 2020-01-28
Company: Experian Information Solutions Inc.
State: NV
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:
these creditors are removed from 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 non-monetary relief
Consumer complaint received 2020-08-30
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: Account status incorrect

Complaint:
XXXX XXXX refuses to fairly and accurately depict my account correctly. I have never paid this account late. XXXX XXXX admitted that they were sending my bill to the wrong address. They admitted this and agreed to correct this mistake.

Company response to consumer: Closed with explanation