BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-27
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$240.00}, the amount they gave me to settle the XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was not deducted from the balance and now is still showing a full balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: EQUIFAX, INC.
State: CT
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:
Equifax has SEVERAL of my long standing positive accounts not showing on my report, I tried to contact them and deal with it and they blame the lenders ( well I'm sorry but there is simply just TOO many of them to be the problem ) In any case I have contacted these lenders and they confirmed what I already knew, they ARE reporting to Equifax and ALL my info is 100 % and triple checked, Equifax just needs to report it as my Equifax score is lightyears lower then XXXX  and XXXX  because of this and I was RECENTLY turned down for a loan because of it, The lender ONLY used Equifax and sadly I looked like a pretty thin file which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved for a FHA XXXX fix up loan of XXXX. From PRIMARY RESIDENTIAL MORTGAGE XXXX XXXX PA. I never asked for it although they seemed very helpful and wanting to give to me. They have all my bank statements of 7 months up to date last week along with taxes for 3 years. My credit was good XXXX and they knew from beginning I was contract labor. 15 years same company in fla to move to same company in Nj. I have plenty for down payments and move. Paid inspector etc. To then add Mom to loan to all being better and sent to underwriter. All good. We have a contingency contract with my place on a place in nj. 60 days to close. Now 30 to pull my credit and Mom 's again 3 days ago along with bank statements to that day. Told all good to ne t day dropped. Telling me I need to have paychecks and rent in nj for 6 months first.?? Contract labor?? From beginning known I paid off moms XXXX dollar loan for this and almost XXXX car note they wanted to tell me this. Im beside myself. They dropped my credit points low from repulling to dump me. I emailed corporate to them tell me I'm contract labor stuff again. No kidding. They knew from beginning. I have a work letter new job. But I live in fla. Hello. This is outrageous. Has left me searching for a loan to hopefully get my dream house back home. please help. Sincerely XXXX XXXX. I have all dates etc. Anything you need. Don't use PRIMARY RESIDENTIAL MORTGAGE

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asked PNC bank to stop contacting after XXXX of our mother. They containually contacted her to the point of her becomming upset. She had contacted them regarding this debt to come and take her residence. They were not interested at the time. She then had to go to a XXXX XXXX. She could not pay for this home & PNC/XXXX XXXX   was notified ( at the same time ). They had someone come out and were not interested. Our mother XXXX over a year ago. She had another XXXX after recieving another notice from PNC bank when we had asked them to stop these notices several times. She was XXXX   years old and had been in a XXXX XXXX. She then XXXX XXXX   from this XXXX. We filed complaint after complaint about this as now they are harassing us. She was living on assistance when she XXXX   and there were No assets.

The property in question was offered to PNC. They were not interested and wanted her to pay the balance. She could not. She became very ill, we think from ongoing harassment from PNC. She was consumed with medical issues and could not pay her property taxes at said property. The county seized her home after she was admitted into the ER and hospitalization.

This was several years ago. Our mother was continually contacted by PNC after we continually tried to work with them to stop harassing her and help. They were not interested in only her paying the balance. She was very ill & elderly.She since has XXXX  from a XXXX. Her second one shortly after reading letters from PNC.

We sent them the certified XXXX XXXX. We asked them to leave us alone in our time of grief. They continue and now address the correspondence to " To the estate ''. There is no estate. She was a widow with no assets. ALL of her funds went to her medical care as did ours. She had XXXX XXXX in the last couple of years after she would read these notices from PNC even though we had asked then to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two fraudulent account named XXXX XXXX were opened with my information at Lowes and XXXX XXXX. In both cases, I contacted the stores when I received a notice about these accounts in the mail at my home. For the Lowes account, in XX/XX/XXXX I called the store that items were ordered from and told the store that I did not order them. Then for the XXXX XXXX account, I called again in XX/XX/XXXX as soon as I got the letter about the accounts being opened and was also told that it was a mistake and not to worry about it. Now, two months later I have many bills from both stores and they both say that they have my information including ID that was used to open the accounts.

Lowes : They said that my claim for fraud was not valid and the amount is {$9700.00} XXXX XXXX  : My fraud claim was re-opened and the amount in question is {$4800.00}

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 2020-05-22
Company: Experian Information Solutions 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX   XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX  XXXX XXXX  XXXX  XXXX/XXXX   XXXX/XXXX  XXXX  XXXX/XXXX  XXXX  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 2018-02-13
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: Information belongs to someone else

Complaint:
IN 2015 I WAS THE VICTIM OF A ARMED ROBBERY AND MY IDENTITY WAS STOLEN AT THAT TIME. I HAVE MY ORIGINAL POLICE REPORT OF THE INCIDENT AND NOW YEARS LATER I HAVE DISCOVERED FRAUD ACCOUNTS ON MY CREDIT REPORTS. I NEED THIS INFORMATION BLOCKED SWIFTLY. THE CREDIT BUREAUS HAVE EXTENDED MY SUFFERING LONG ENOUGH. 

THANKS FOR YOUR HELP AND ATTENTION.

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am filing this report because today XX/XX/2020 I discovered two accounts on my credit report that do not belong to me. The only reason why I even looked at my credit today is because I was going to ask for a credit line increase for one of my credit cards and I wanted to make sure they would approve the credit increase. The  account names are XXXX XXXX XXXX XXXX XXXX XXXX. I have no relationship, contract or agreement with either of these companies and I did not give them permission to run or access my credit. At this time I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I have filed this report to the best of my knowledge.

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 2019-02-21
Company: EQUIFAX, INC.
State: CO
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 been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, XXXX  & Equifax asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX  responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
For 10 years, all the bureaus have mixed, mingled, and crossed my info with someone who shares my DOB and a similar name! I have disputed, spent hours calling and verifying who I am. Which is an absolute challenge because mine and the other partys identifiers are crossed too! What is the point in you all monitoring my report, if you are the ones creating the problem? This is bound to have its long term repercussions on me and you if this isnt correct soon. Its not identity theft because she isnt using my social and the police wont allow me to file a report Without some proof. Im beyond livid! This is going to mess with my retirement in the future and no one cares when I talk to them. They think Im trying to get out of a bill.

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 2020-07-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I usually make my mortgage payments directly out of my checking account, but because I am not working as I normally do I have sent cashiers checks certified mail. SPS Mortgage has lost 4 of my mortgage payments since I have been with them. I am current on my mortgage, but feel like maybe they need late charge money. I made XX/XX/XXXX's payment the end of XXXX and sent it certified return receipt and XXXX XXXX and they lost it.The check was signed for XX/XX/2020. I put a stop payment on the check and received a notice for NSF I sent the second check which was signed for XX/XX/2020 by XXXX XXXX. Again, we have called 4 times and keep looking at the payment site. They can not find the check. They have asked for us to make our payment out of my checking account. They do not care that they lost it and do not even pretend to be sorry. Banks are closed and walking in to put a stop payment on any type of check is not easy. They just want it sent again. I had reached out to their ombudsman department, a supervisor and numerous other people. Please help me I know that many people must be affected by their servicing. My background is Escrow so I am absolutely shocked at their service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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 am uploading a letter from the bank stating that the 4 personal loans I had with them will be reporting back on my credit reports. These loans were paid and satisfied and in good standing. They were removed off my credit reports which dropped my score significantly and was denied credit from another lender. XXXX  and TransUnion said they would notify me when the 4 accounts would be put back on my reports. I still have not been notified and there still not reporting

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 2020-10-18
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: Information belongs to someone else

Complaint:
The following account ( XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete.

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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} DPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXXT XXXX {$3000.00}

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 2021-02-23
Company: eToro USA LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/24 etoro app shut down around XXXX with all my cash and XXXX in it. Has been having 'technical difficulties ' for the past 6 hours, causing me to be unable to buy/sell XXXX. As a result I have not been able even see my account and have lost alot of money since I am not able to access or trade during a downturn in the XXXX market.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently dealing with a fee of {$960.00} tacked on to my existing mortgage by XXXX. XXXX transferred out mortgage to Mr Cooper about 1 month later. This fee was also carried over. They were in some kind of transition limbo and we had no way to try to solve this right away. 
I penned a letter to them and they gave me a canned response without even thoroughly researching it. 
When I responded to them I received no more communications and they deleted the dispute. 
I need help. Due to this fee I am not allowed to pay anything extra to the principal of my mortgage. 
I just want the fee waived. I have clear evidence we are not in the wrong. 
I have included the letter I wrote to them as well as the follow up to explain further to no avail. There is also our bank receipt to prove we paid and a screenshot of our mortgage payment page with the " Add additional principal '' grayed out unless we pay the fee. 

Thank you for your time. 

XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Address XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX pine XXXX, IL XXXX Should not be on my credit report

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 2018-02-13
Company: Bread Financial Holdings, 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:
Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21, Zelle transferred {$490.00} from my checking account to someone named XXXX XXXX. I do not nor have I ever had a Zelle account. I do not know XXXX XXXX. 

My bank was notified XX/XX/21 that this transaction was made without my approval. The transaction was not stopped. I phoned Zelle to make them aware, but was told this was an issue I had to take up with my bank. They would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: EQUIFAX, INC.
State: NJ
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:
During the last six months or more. I have notified ( via letter ( s ) the 3 Credit Reporting Agencies about inaccurate or illegal information being reported on my credit report. To date I only get from the agencies that the information is accurate.I recently applied for a loan ( XX/XX/XXXX ) and XX/XX/XXXX, when the Credit Union stated that information on the report was being reported. I did in fact state to the Credit Union Manager that the information was in fact incorrect and  based upon my understanding of what is applied via the law and states. The Debt collectors tactic of attempting to collect a debt that has been filed as a loss, and the company having filed for that loss with the company, can not collect a debt of that nature, as well as the fact that I as the debtor have no obligation to pay any monies to the collection agency, when there is no contractual agreement of obligation to that debt collector. 
I have sent approximately 6 letter to the credit bureau agencies, and all have refused to comply with my request for removal of the collection agency reporting to the agencies any such inaccurate information. ( Equifax, XXXX, XXXX  ). 
Should the information that I have obtained be the ruling factor, via state law, rule regulation, I request your assistance in rectifying this information as soon as possible thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: BMW Financial Services NA, LLC
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : BMW FIN SVC XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.

Company response to consumer: Closed with explanation