BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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

Complaint:
I tried to give access to XXXX XXXX  and it was not cleared with PNC bank, I cant receive money from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
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: Public record information inaccurate

Complaint:
I have filed multiple disputes over the year to Experian that they have my bankruptcy listed incorrectly and they need to remove it. Every time they come back with the company that does the investigations for them says it is confirmed and it will be updated and stay on my report. However, they do n't do any updates and keep the same information. The whole problem is that they have me down as filing bankruptcy for {$0.00} when I filed for a lot more then nothing. I have sent them documents and still the same results. I am about to file a law suit if they do not take it off. The other two credit bureau 's have followed suite and removed it.

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 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
I have been the victim of identity fraud and my personal and financial information was compromised. There have been a series of unauthorized charges on my credit cards and withdrawals from my bank accounts in the form of cash advances that I am still trying to remedy. I have filed a report with the local authorities and FTC, am receiving support from XXXX XXXX XXXX, initiated credit freezes and have tried laboriously to reach resolution on the claims with each of my financial institutions. My Bank of America credit card still shows a balance of XXXX {$40000.00}, the majority of which is all fraudulent activity that has not been taken off. Bank of America mistakenly denied my claim because of errors inputted into their systems and incorrect / missing information to actually submit the claim. I have called the banks numerous times on a daily basis to get this resolved to little or no success. XXXX XXXX still shows excessive balances as well that have not been corrected. This has caused extreme impacts to my XXXX XXXX and XXXX XXXX   and I have not been able to support myself given the amount of this activity and the corresponding fees from each fraudulent charge.

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 2017-09-14
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
There is an account listed on my reports from Pinnacle LLC that should not be reporting. The Federal Trade Commision has stated in federal court orders that Pinnacle is prohibited from participating in debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Ive asked Navient about my options to be able to afford the payment theyre requesting. I was told they have an affordable repayment program which still exceeds what Im able to afford. 

Ive asked them to minimize calling because its disruptive. ( On average, I get about 4-5 calls before XXXX ). 

That is harassment. 

I even asked that they stop calling, theyve called at least XXXX times since. 

Thats harassment. 

Im trying to communicate with them so we can come to a middle ground, but Ive already gotten written up because of how often theyre calling. My boss thought I was lying. 

This is ridiculous. And Im sure its not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Regarding previously filed Complaint Number : XXXX. 
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize and also requested validation. I do not owe this company Southwest Credit Systems anything and they have stated they will cease collection of this debt per their response to my complaint XXXX. See below, they responded to my complaint with : " XXXX has notified Southwest Credit Systems to cease and desist all collection efforts against Mr. XXXX. However, because XXXX considers this debt to be valid and owed, we will pursue all our legal rights and remedies to collect this balance. According to XXXX, the debt is valid. On XX/XX/2018, XXXX closed Mr. XXXX account in our office. SWC has ceased collection activity and is no longer pursuing the matter '' However Southwest Credit Systems LP continue to report this debt on my credit reports. I NEED Southwest Credit Systems TO REMOVE THIS ACCOUNT FROM ALL MY CREDIT REPORTS IMMEDIATELY. This company Southwest Credit Systems LP is violating the FCRA by still reporting an alleged debt to my credit reports under Southwest Credit Systems. I do not owe Southwest Credit Systems for this alleged debt and I am prepared to take further legal action if this account is not removed from all my credit reports immediately. I have never had an account with XXXX and I have previously been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
my XXXX  XXXX account is not update on my credit reports it hurting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
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: Information is missing that should be on the report

Complaint:
My XXXX XXXX credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of XXXX XXXXXXXX of 12 month history along with the tradeline of {$600.00}. XXXX  XXXX denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of XXXX XXXXXXXX for transunion and XXXX. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor XXXX XXXXXXXX. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with XXXX   XXXX since XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. XXXX XXXXXXXX does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not transunion and XXXX. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs transunion and XXXX   have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on transunion and XXXX resulting in loss of age in credit history and fico scoring XXXX XXXX have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXX XXXX credit monitoring service as well as the XXXX report. I have an old account and another active account with XXXX XXXX  old account dating from XXXX that was settled and another that is active which is XXXX opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by XXXX XXXXXXXX to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from XXXX XXXXXXXX of 602 reporting the only cra reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: GA
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my 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 explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD AND IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XXXX2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
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:
I have send this company a letter asking to remove all incorrect information on my report and have not receive any response.

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 2021-06-28
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CMRE Financial Services at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$200.00}. The collection has been reported as pasted due balance. I Do NOT know this company. I have never done any business with this company. This company does NOT have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: FIFTH THIRD 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: Account status incorrect

Complaint:
I already reached out to the credit bureaus and to Fifth Third Bank, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Oportun has been in continuous violation of an unauthorized credit inquiry on my credit report which still hasnt been removed as of todays date and continues to violate my credit by reporting an negative account with inaccurate information. Both violations have caused significant damage and I am gathering enough information to seek remedy for the damages it has caused me. STOP stating your following the FCRA when you know you are NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: PROPEL FINANCIAL SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I applied for a property tax loan. I learned in XXXX 2017 the loan was cancelled in XXXX 2017 without my knowledge. The first payment was due XXXX XXXX, 2017. I inquired as to why this account was not available for me to view via email. In XXXX, I called and was advised they do n't know why it was cancelled or why I was not notified. All they could do was to take a message. I was told my complaint would be forwarded to XXXX XXXX at the company. XXXX XXXX XXXX ( primary mortgage company ) is not allowing me to make any kind of online payments - I have attached a screen of what I see when I attempt to make a payment. I know from past experience, they will say it is because my account is not current. However, how can it be current when they added over {$3100.00} in escrow charges that are due? These companies are working together to ensure my house is foreclosed upon so they can profit.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-28
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was the victim of a scam to which Wells Fargo contributed. I was provided a cashiers check in the amount of {$1900.00} dollars which I cashed at Wells Fargo, where I had an account with approximately {$1200.00}. The cashier processed the check, provided the funds. 31 hours later I received notification from Wells Fargo that the check was not good and my account had been emptied by the bank to cover the amount. Additionally, I was charged {$670.00} to cover the {$1900.00} and charged a {$12.00} fee. My complaint and concerns are that at no time did anyone in the bank advise me that cashing the cashiers check would make me liable for the whole amount, notwithstanding that I didn't have sufficient funds in my account to cover the entire amount. At a minimum I should have been advised of that policy and I would have deposited the check instead and we would all have found out it was fraudulent and worthless. Instead, by extending me the funds in excess of my account holdings Wells Fargo contributed to the fraud perpetrated against me, however unwittingly. The delay from accepting the cashiers check for pay-out to the discovery of it being bogus - a full 31 hours - enabled the scammers to get away with their fraud. I own my duplicity in being scammed. However, current banking policy of paying out cashiers checks on demand notwithstanding the delay in verifying the authenticity of a cashiers check coupled with the bank 's automatic and apparently legal practice of plundering depositors ' funds to cover the bank 's inability to verify the legitimacy of a cashiers check is appalling. At a minimum when a customer is seeking to cash a cashiers check he/she should be informed of any risk to the customer 's account so that the customer can make an informed decision to deposit the check versus cashing it. Further, a customer shouldn't be allowed to cash a cashiers check in excess of their account holdings. The entire practice is deceptive and encourages scammers who clearly understand the banks ' practices and delays in verifying cashiers checks which are complicit in abetting scammers.

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 2020-11-23
Company: EQUIFAX, 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:
In good faith I paid off my student loans at the start of the pandemic. I paid them over {$2000.00} and made promises to me to have it removed from my report but to this day they are still reporting me. EQUIFAX just added remarks to an old closed out account forcing my score from XXXX to XXXX over night. I even paid off some credit cards during this time and it says Missed payments removed from US DEPARTMENT OF EDUCATION but still showing negative. You are destroying lives of Americans. My score went from over XXXX to XXXX in 2 months when my loans were resolved months ago. I just tried to go on EQUIFAX website to dispute but it doesn't even work. I am ashamed to be an American. How do I have a XXXX credit score when the only 2 negative items on my report are OLD OLD OLD and paid OFF!!!!! Image attached aa : This is the website error making it so I can not dispute. The rest of the site works. The Department of Education Uses different phone numbers and addresses to claim they never told me they would remove this from my credit report. Once I paid them they just pretend I don't exist and keep reporting me. My own country and education system is ruining my life. Image XXXX XXXX is the non working Equifax online dispute. The rest of the XXXX site works perfect until you try and dispute. I have disputed with XXXX and XXXX XXXX as well and they have not removed these items either. How can you just use a different address and phone number so people can never be held accountable? I've attached 6 different addresses the Department of Education has used so I can not contact anyone once they took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is ignoring the cares act and lowering credit scores due to unpaid student loans even though all student loans are suspended

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: UT
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:
Equifax is reporting an account that has an active police report showing XXXX is inaccurately reporting fraudulent balances that was due to identify theft. How did XXXX verify fraudulent balances?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit

Company response to consumer: Closed with explanation