BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-06
Company: BlueChip Financial
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have contacted XXXX  about harrassing me through mail offers for a Payday loan and asked them to stop and desist sending me offers for a Payday loan that I am not interested in in their loans.

XXXX   has failed in my request and continues to harrass me in taking out a Payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Franklin Collection Service, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX notified me in XXXX of an a bill for terminating my cable contract. I paid the full amount directly to XXXX XXXX XXXX. The company below reported the item in collections. When I disputed the items off my credit report. The company reports that this account open, which is incorrect. The full amount was paid in XXXX. The remarks state this account was settle for less than the full amount, which is false. I am contacting XXXX XXXX XXXX, with whom I currently have cell service for my companies that I own to get a statement showing this was paid in full. Regardless of anything, Franklin Collection Service has reported false information stating this account was open when it was not for about 4 years, which impacts my credit score.. Once this response comes back, I will find an attorney to review and determine what action should be taken. I also am watching this account because I do not want it to be illegally re-aged on my credit report .This company also appears to have been involved in multiple lawsuits. I will speak with my Senator 's office on Monday. There needs to be more done to companies like the one below. 

FRANKLIN COLL SVC # XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$380.00} Original Creditor : XXXX ( Utilities ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >SETTLED-LESS THAN FULL BLNC< ; >PAID COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : #, Account name : # XXXX, Account name : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-24
Company: Mountain Run Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XXXX of XXXX, I was notified by checking my credit bureaus reports by XXXX, XXXX, XXXX  XXXX, and I noticed a creditor by the name of mountain Runs Solution whom I was not familiar with. I was later contacted by them through a unrecognized number. After speaking with a representative, I asked why I was not contacted before now and was told by representative that they did not have my address and they told me that they had sent the letter to my last address at XXXX XXXX XXXX in XXXX, Georgia, where my son used to reside and where I resided with him at that address in XXXX from XXXX to XXXX of XXXX. They said they sent the letter to that address and this was bit puzzling for me because I had the system installed in my house at XXXX XXXX  XXXX, XXXX, Georgia XXXX in XXXX of XXXX and maintained the system from XX/XX/XXXX until XX/XX/XXXX, and now they are saying that I owe then {$94.00} which I know not to be true. To my knowledge the account was sold to XXXX from XXXX and from XXXX to Mountain Run Solutions debt collection. I contacted XXXX Monitoring company and they said they had no record of my information. Mountain Run must have gotten my information and is now trying to harass me for money I do not owe because I honored my contract from XX/XX/XXXX until XX/XX/XXXX according to their own recollection. I am asking that they send financial proof that I owe this money or this matter be dismissed off of my credit report. I had a high credit score until they sent this ridiculous report to XXXX. XXXX has dismissed it, but with no proof of this collection against XXXX is falsely reporting this on my credit report. I have been working with the CFPB and was given a case # XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.

604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.

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 2023-05-15
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I saw that my credit score had gone down. I got a copy of my credit report and found an account opened with {$7300.00} in charges. The account was with GS Bank USA XXXX XXXX. I filed a complaint with XXXX and after their short review they said Goldmansac said that they followed their protocol and that was it. I tried to call the bank 's fraud division at ( XXXX ) XXXX where no one is available and their voice mailbox is full. I tried the other number I have for the bank at ( XXXX ) XXXX and the voice recording asks to enter who you want to talk to, and then goes dead. I did not open this account, have never received a bill or any kind of statement. Looking at the XXXX credit report, it looks like whoever opened this account made two {$74.00} payments and failed to make the XXXX payment. This is very not much fun. I hope that you can help. I only have the last for numbers for the credit card which are XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Bread Financial Holdings, Inc.
State: IL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX XXXX {$26.00} XXXX  XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX  XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-09-22
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been working with XXXX XXXX XXXX 's collection agency Transworld Systems Inc, and through my bankruptcy XXXX and Transworld agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and Transworld lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with Transworld Systems. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. XXXX has never answered the complaint or contacted me. XXXX has disappeared and seems to not be honoring the agreement. I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. My income can not support these payments. I have filed multiple complaints and I need XXXX and Transworld to respond NOT XXXX. They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: SecurityNational Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a house with the lender Security National Mortgage in XXXX. Less than a month later, the loan was sold to XXXX XXXX. Since XXXX XXXX, I 've made my payments on time with XXXX XXXX but Security National Mortgage is reporting me past due for the past 6 years. 

I remember receiving a call from Security National Mortgage late XXXX and i agreed to send them a check for the payment amount. I sent the payment and never heard back. I did n't get any letters or any phone calls from them after, that made me believe that everything had been taken care of. 

Earlier this year, I checked my credit and found they were still reporting my account as past due. I sent a check late XXXX XXXX XXXX XXXX, mistakenly for {$700.00} instead of {$720.00}. But Security National Mortgage continues to report as past due and continues to report the balance as {$720.00}. 

I am more than happy to pay the {$21.00} that are left, but not before they remove all derogatory information from my credit report. They did not make me aware that the payment had not been received and they continue to report inaccurate information to the credit bureaus.

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 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
On XX/XX/23 I received letters that both my quicksilver card and platinum credit cards are closed due to too many returned payments. I was never notified of this prior and nothing states the card can be closed due to such thing. I made Payments on time even paying in full and my payments returned because capital one does not take payments from savings accounts and I was also not aware. This is a simple miscommunication and I would like my accounts reopened!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX SER  ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX SER ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT NAME : XXXX - XXXXXXXX SERVICE ACCOUNT # XXXX ACCOUNT NAME : XXXX - XXXX SERVICE ACCOUNT # 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 2022-11-30
Company: ALLY FINANCIAL INC.
State: TX
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 XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bought by PNC Mortgage from my previous company. After receiving a tax abatement, I sent materials to PNC Mortgage to have my escrow adjusted and alter my payments. I had, when visiting a branch to get my account set up, did a physical form for automatic payments ( in XX/XX/2022 ). 

Now in XXXX of 2022, I called to cancel that automatic payment since I an unable to cancel online what was submitted by physical form & fax. I was promised on two separate occasions that this old automatic payment was cancelled and I was instructed how to go about setting up a new one that is available on their Online Banking. 

It turns out that the rep only paused, not cancelled my automatic payment, without my knowledge. So I had set up a new payment. This means that PNC Mortgage has deducted TWO payments from my checking account and can not provide immediate relief of that second payment, opting to mail a check. As you can imagine, a mortgage is my single largest bill, so it's not like I can float that money until they snail mail me a check. 

However, had I not paid, I would receive fees. PNC Mortgage refuses to issue any sort of compensation or reimbursement for the issue and has not provided an adequate way to send the payment back immediately. 

AVOID PNC MORTGAGE AT ALL COSTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Credit Protection Association, L.P.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
COLLECTOR MUST CEASE AND DESIST COLLECTION EFFORTS AND CALLING MY CELL, THIS XXXX BILLS WAS DISCHARGED IN BANK RUPYCY ON XX/XX/2018.

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 2023-06-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo repeatedly causing {$35.00} overdraft fees

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 2023-01-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX, XXXX AND XXXX HAS COLLECTION ON MY CREDIT REPORT THAT ARE NOT MINE AND THEY REFUSE TO DELETE. 

ACCOUNTS THAT ARE NOT MINE. 
* The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

* The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

* The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: AL
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 checked my credit report profile on my XXXX time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile thank you

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