BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2020-11-03
Company: Southern Oregon Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to clear this up. XXXX XXXX performed unauthorized services and charged my credit card. There is no written work authorization and across the one they left it is clearly marked " Homeowner declined to sign. '' After filing a dispute with XXXX XXXX and providing proof via written explanation from an independent plumber that service performed charged were fraudulent. I have emails in my possession between XXXX XXXX and myself where the manager agrees that I was overcharged and services provided were unnecessary. she said she would correct them but that was never done. They have charged me for the county inspection which was never done and they were refunded by the county for that as well. I have successfully had the collections removed from XXXX and XXXX but can not seen to get XXXX to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
From XX/XX/XXXX- XX/XX/XXXX, I fell on hard times and was unable to make on-time payments for my car loan. When I would get behind on a late payment, I would make the payment during the next billing cycle to clear up the past due balance. Instead of the creditor applying my payment to the past due balance, they would compile the two payments and carry over the new balance as being 60+ days late. Resulting in more negative reporting on my account.

Despite my efforts to rectify this situation, I was unable to completely catch up on payments for about a year. During this time, I was a XXXX XXXX and relocated to XXXX XXXX XXXX to complete my education upon being accepted into an XXXX in the second most expensive city in the US.

One year later, I was hired onto that XXXX  as a full-time employee and became current on the account as soon as my financial standing improved and have remained so for over a year now. I am attempting to improve my credit score, but am having difficulty due to the negative listing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: NC
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:
An inquiry took place on my experian credit report on XXXX XXXX, 2017. I was never contacted with the results of this dispute in writing, email or via phone. I had to put a security freeze on my credit report due to the unauthorized inquiries that took place.

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 2020-11-03
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: Account status incorrect

Complaint:
I suddenly got a late payment delinquency report made by XXXX XXXX  from my credit bureau -XXXX  XXXX in the first week of XXXX. I called XXXX XXXX, right away and upon checking they apologised to me, and I was told that if I make the outstanding payment of {$220.00} ; the late payment report will be removed, and that I should dispute it with XXXX  so that they can support it as well. But the agent I spoke to lied to me. 
When I reported this, they reported back to XXXX that the report was valid. This is why I am now making this complaint. 

I was pretty much shocked and found it unbelievable because to my knowledge I had set up a payment plan with them not too long ago when I had called about the impact of the pandemic and the need to have my interest rates reduced. The outcome of that call about two months ago was that they told me there was a pandemic hardship program that will help to alleviate that problem. 

But, from what I can gather, they were more interested in getting me to delinquency, because in the next billing cycle, they just suddenly report me delinquent with no credible explanation. 
This action had also damaged my credit report thus making me further unable to make payments or get loans. As a direct result of this problem, they caused my APR to rise to over 15 percent when trying to get a loan, something that used to be around 6 percent before the incident. Thus, the damage that XXXX XXXX  had created is insurmountable. 

When this was happening, I also experienced a cyberattack against my accounts where some random payments are being transferred around and this XXXX XXXX situation is therefore also suspicious because it was as if someone was attempting to deplete my accounts of funds. 
So, I find it hard to believe that this payment issue is a random issue ; because ( s attached ) I have never had a late payment before. And then right in the middle of a pandemic, all of a sudden in XXXX, I get a hasty report of delinquency? Really? 
No, something is definitely fishy about this.

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 2020-05-31
Company: National Consumer Telecom & Utilities Exchange, 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 information incorrect

Complaint:
XXXX XXXX XXXX -NCTUE XXXX. XXXX XXXX XXXX, GA   XXXX XXXX XXXX XXXX On Saturday, XXXX, XXXX, NCTUE, knowingly Committed 4 different violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report. 

This admission is attached to this complaint with the following confirmation numbers : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX acct # XXXX is reporting the debt after 7 years. 

On Sunday, XX/XX/2020, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, XXXX XXXX XXXX XXXX, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed. 

I demand that NCTUE remove this inaccurate formation off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I did not appreciate Navient telling me that I was set up on a payment plan take my money and now tell me that the payment has been cancelled. I called 2 times to verify that this payment plan was still in place. XXXX Employee ID XXXX was useless. She told me the payment plan was cancelled and they would continue to take payments out of my account, but since it was not the total amount due, I would still be considered late, so I told her to cancel the payment plan. Now they are saying because your rep XXXX gave me the wrong information they might not put my payment plan back. I want a refund of my money especially if you are still gon na say my loan is past due. It was the worse decision I have ever made getting a loan with your company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: SUN LOAN COMPANY INC.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2014 i got a payday loan it has not been paid. I have tried contacting the company but i was told it was closed down for good the company is no longer there, i tried to use the contact information i have on my XXXX account but the information belongs to a company name XXXX XXXX XXXX. At this point i dont know what steps i should take.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 We contacted Cardinal Financial Company to start the process of refinancing our mortgage. The terms of the loan were acceptable and we agreed to proceed. We were given a rate of 2.875 % and points of 0.194 % with a no-fee rate lock until XX/XX/2020. We used the company 's webservice " XXXX '' to submit and respond to all request for documentation, always within 48 hours. The process was extremely slow and inefficient due to various departments working remotely from home. The title company being used also had major delays due to two hurricanes hitting the Gulf Coast where they were based. As a result, through no part of our own, the loan did not close before the rate-lock ended. Cardinal Financial began extending the lock week by week and charging us a fee. After several conversations with our loan originator, we were told not to worry, that the added fees would be adjusted upon closing. Unfortunately, by the time closing was ready, XX/XX/2020, the points were adjusted from {$670.00} up to {$2400.00} and a lock-extension fee of {$190.00} was added. We were exhausted with the process and needed to close, so we signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Ally Financial that is paid by my son. I live in XXXX, he lives in upstate XXXX. Over the past few months there have been payments made that were returned for insufficient funds when in fact there was more than enough money in the account to cover the payment. Most recently I set up an auto-pay account so that Ally will take the payment out on the due date. The payment ( {$550.00} XXXX was made on XX/XX/XXXX and acknowledged by Ally. 9 days later it was returned for insufficient funds. There was over {$600.00} in the account at the time of the payment. In addition as of this writing the money has not been returned to my sons account. Ally blames XXXX XXXX, XXXX XXXX  blames Ally. In addition I have receipts for electronic transfers made in XXXX, XXXX, XXXX, XXXX and XXXX of this year. XXXX XXXX  says the money was transferred, Ally says they never received it and those transfers do not appear on the Ally transactions sheet. Again they each blame the other and none of those funds were returned to my sons account. Those lost funds have resulted in over {$3600.00} in additional payments for payments that were already made. They have also destroyed my credit rating in the process. Numerous attempts to resolve these issues with both banks were unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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:
Ive attempted to have these items removed I sent letters to all companies and the credit bureaus and information isnt mines and its still on 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 2018-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Transunion forced enrollment in a monthly subscription program, in order for me to receive my credit report.

On the home website, there are two buttons to see what's advertised as a " free credit report '' but in actuality, is a $ XXXX/month subscription. One button says : " My Credit Score & Report '', the other says " Yes, Show Me My Score ''. Both of these force you to enroll in a program that costs $ XXXX/month, and is not clearly advertised.

The free credit report allowed for all customers under the Fair and Accurate Credit Reporting Act is NOT provided easily for users to be seen on their home page.

To all other users getting a credit report, DO NOT ORDER FROM TRANSUNION DIRECTLY. Instead, go to XXXX XXXX XXXX. Per the FTC, this is the ONLY way to get free credit reports : https : //www.consumer.ftc.gov/articles/0155-free-credit-reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: Absolute Resolutions Corp.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe any debts to Absolute Resolutions. This company has violated my rights under the FCRA. Absolute Resolutions by law had a responcibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. Absolute claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX Absolute resolutions had a legal onligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for Absolute resolutions to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attemtps to collect this debt will result in lgal action against Absolute resolutions for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
State: NC
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:
I have disputed many times inquires on XXXX, Equifax and XXXX that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, Citibank Na., Best Buy add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-03
Company: Harris & Harris, Ltd.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My hasband and i moved from a property we allowed my sister to take over the property i called the electric to have it turn off at the old property and turned on at the new. My sister called them back saying she was me and had them turn the power back on at the old property without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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: Old information reappears or never goes away

Complaint:
I do not owe any debts to XXXX XXXX. This company has violated my rights under the FCRA. XXXX XXXX by law had a responsibility to notify in writing of any debts owed to them prior to reporting to any third party credit agencies. They did not do so and can not provide any written documentation addressed to me. 

I filled for bankruptcy In XXXX of XXXX. XXXX  claims that the debt owed to them is from XXXX. If that was true when I filled for bankruptcy in XXXX of XXXX XXXX XXXXs had a legal obligation to appear in court and file for anything they felt was owed. They did not because they I did not then or now owe a debt to them. 

Also, because my bankruptcy was public my address was on file for XXXX XXXX to contact me regarding the debt. This debt is not owed. This is not a valid debt. Any further attempts to collect this debt will result in legal action against XXXX XXXX for violating my rights.

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 2018-07-12
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a mortgage modification application on XX/XX/2018 but have been denied. The company sent back a short sale option which I declined. The servicer has put I house up for sale

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I filed an investigation with Trans Union XXXX and XXXX on XX/XX/XXXX and I still havent gotten no information back on the investigation

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 2020-05-31
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My bank PNC makes it impossible to connect my XXXX app account. Its getting annoying trying to reconnect every time I log on and 95 % of the time it wont reconnect for some strange reason and I would very much like this taken care of. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Purchased used wheels through Paypal with purchase protection. The seller sold me an item that should have been covered. They were unusable, damaged beyond repair, and I had evidence from a shop stating this was the case. Paypal denied my claim because the original ad said the wheels had minor curb rash. I am now out {$4000.00}. Paypal and the seller have committed fraud.

Company response to consumer: Closed with monetary relief